10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________

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	84133-1109
(Address of principal executive offices)	(Zip Code)

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

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

Title of Each Class	Trading Symbol	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
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock	ZB/G	New York Stock Exchange
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 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

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

Number of common shares outstanding at July 31, 2019      176,962,996 shares

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Table of Contents

		Page
PART  I. FINANCIAL INFORMATION
Item 1.	Financial Statements (Unaudited)	35
	Consolidated Balance Sheets	35
	Consolidated Statements of Income	36
	Consolidated Statements of Comprehensive Income	37
	Consolidated Statements of Changes in Shareholders’ Equity	38
	Consolidated Statements of Cash Flows	40
	Notes to Consolidated Financial Statements	41
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	3
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	79
Item 4.	Controls and Procedures	79
PART II. OTHER INFORMATION
Item 1.	Legal Proceedings	79
Item 1A.	Risk Factors	79
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	80
Item 6.	Exhibits	80
Signatures		81

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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" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements, market trends, industry results or regulatory outcomes to differ materially from those expressed or implied by such forward-looking statements. Forward-looking statements 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,” "might," "can," “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “target,” “commit,” “design,” “plan,” “projects,” "will," 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, such as statements about future financial and operating results. Actual results and outcomes 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

•uncertainty regarding the future of the London Interbank Offered Rate ("LIBOR"), and the potential transition away from LIBOR toward new interest rate benchmarks;

•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	AOCI	Accumulated Other Comprehensive Income
AFS	Available-for-Sale	ASC	Accounting Standards Codification
ALCO	Asset/Liability Committee	ASU	Accounting Standards Update
ALLL	Allowance for Loan and Lease Losses	ATM	Automated Teller Machine
Amegy	Amegy Bank, a division of Zions Bancorporation, National Association	bps	basis points

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CB&T	California Bank & Trust, a division of Zions Bancorporation, National Association	NM	Not Meaningful
CFPB	Consumer Financial Protection Bureau	NSB	Nevada State Bank, a division of Zions Bancorporation, National Association
CLTV	Combined Loan-to-Value Ratio	OCC	Office of the Comptroller of the Currency
COSO	Committee of Sponsoring Organizations of the Treadway Commission	OCI	Other Comprehensive Income
CRE	Commercial Real Estate	OREO	Other Real Estate Owned
Dodd-Frank Act	Dodd-Frank Wall Street Reform and Consumer Protection Act	OTTI	Other-Than-Temporary Impairment
DTA	Deferred Tax Asset	PAGA	Private Attorney General Act
EaR	Earnings at Risk	PEI	Private Equity Investment
ERM	Enterprise Risk Management	PPNR	Pre-provision Net Revenue
EVE	Economic Value of Equity at Risk	ROC	Risk Oversight Committee
FASB	Financial Accounting Standards Board	ROU	Right-of-Use
FDIC	Federal Deposit Insurance Corporation	RULC	Reserve for Unfunded Lending Commitments
FDICIA	Federal Deposit Insurance Corporation Improvement Act	S&P	Standard and Poor's
FHLB	Federal Home Loan Bank	SBA	Small Business Administration
FTP	Funds Transfer Pricing	SBIC	Small Business Investment Company
GAAP	Generally Accepted Accounting Principles	SEC	Securities and Exchange Commission
HECL	Home Equity Credit Line	TCBW	The Commerce Bank of Washington, a division of Zions Bancorporation, National Association
HTM	Held-to-Maturity	TDR	Troubled Debt Restructuring
IMG	International Manufacturing Group	Tier 1	Common Equity Tier 1 (Basel III)
LIBOR	London Interbank Offered Rate	Topic 842	ASU 2016-02, “Leases”
Municipalities	State and Local Governments	U.S.	United States
NASDAQ	National Association of Securities Dealers Automated Quotations	Vectra	Vectra Bank Colorado, a division of Zions Bancorporation, National Association
NBAZ	National Bank of Arizona, a division of Zions Bancorporation, National Association	Zions Bancorporation, N.A.	Zions Bancorporation, National Association
NIM	Net Interest Margin	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, including subsequent updates, 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 our internal Credit, Treasury, and Accounting groups, has developed models to meet the new standard. We continue to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, finalizing the qualitative allowance process, and developing 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)		June 30, 2019			March 31, 2019			December 31, 2018			June 30, 2018
Net earnings applicable to common shareholders (GAAP)		$	189		$	205		$	217		$	187
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)	$	189		$	205		$	217		$	187
Average common equity (GAAP)		$	6,988		$	7,005		$	6,938		$	7,072
Average goodwill and intangibles		(1,014)			(1,014)			(1,015)			(1,016)
Average tangible common equity (non-GAAP)	(b)	$	5,974		$	5,991		$	5,923		$	6,056
Number of days in quarter	(c)	91			90			92			91
Number of days in year	(d)	365			365			365			365
Return on average tangible common equity (non-GAAP)	(a/b/c)*d	12.7		%	13.9		%	14.5		%	12.4		%

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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)		June 30, 2019			March 31, 2019			December 31, 2018			June 30, 2018
Total shareholders’ equity (GAAP)		$	7,599		$	7,588		$	7,578		$	7,621
Goodwill and intangible		(1,014)			(1,014)			(1,015)			(1,015)
Tangible equity (non-GAAP)	(a)	6,585			6,574			6,563			6,606
Preferred stock		(566)			(566)			(566)			(566)
Tangible common equity (non-GAAP)	(b)	$	6,019		$	6,008		$	5,997		$	6,040
Total assets (GAAP)		$	70,065		$	69,195		$	68,746		$	66,457
Goodwill and intangible		(1,014)			(1,014)			(1,015)			(1,015)
Tangible assets (non-GAAP)	(c)	$	69,051		$	68,181		$	67,731		$	65,442
Common shares outstanding (thousands)	(d)	176,935			182,513			187,554			195,392
Tangible equity ratio (non-GAAP)	(a/c)	9.54		%	9.64		%	9.69		%	10.09		%
Tangible common equity ratio (non-GAAP)	(b/c)	8.72		%	8.81		%	8.85		%	9.23		%
Tangible book value per common share (non-GAAP)	(b/d)	$	34.02		$	32.92		$	31.97		$	30.91

Efficiency Ratio and Adjusted Pre-Provision Net Revenue – this schedule also includes “adjusted noninterest expense,” “taxable-equivalent net interest income,” “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. Taxable-equivalent net interest income allows management to assess the comparability of revenue arising from both taxable and tax-exempt sources.

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

		Three Months Ended									Six Months Ended						Year Ended
(Dollar amounts in millions)		June 30, 2019			March 31, 2019			June 30, 2018			June 30, 2019			June 30, 2018			December 31, 2018
Efficiency Ratio
Noninterest expense (GAAP)	(a)	$	424		$	430		$	421		$	854		$	840		$	1,679
Adjustments:
Severance costs		1			—			1			1			(1)			3
Other real estate expense, net		—			(1)			—			(1)			1			1
Amortization of core deposit and other intangibles		—			—			—			1			1			1
Restructuring costs		—			—			—			—			—			2
Total adjustments	(b)	1			(1)			1			1			1			7
Adjusted noninterest expense (non-GAAP)	(a-b)=(c)	$	423		$	431		$	420		$	853		$	839		$	1,672
Net interest income (GAAP)	(d)	$	569		$	576		$	548		$	1,145		$	1,090		$	2,230
Fully taxable-equivalent adjustments	(e)	7			6			5			13			10			22
Taxable-equivalent net interest income (non-GAAP)1	(d+e)=f	576			582			553			1,158			1,100			2,252
Noninterest income (GAAP)	g	132			132			138			264			276			552
Combined income (non-GAAP)	(f+g)=(h)	708			714			691			1,422			1,376			2,804
Adjustments:
Fair value and nonhedge derivative income (loss)		(6)			(3)			—			(8)			2			(1)
Securities gains (losses), net		(3)			1			1			(2)			1			1
Total adjustments	(i)	(9)			(2)			1			(10)			3			—
Adjusted taxable-equivalent revenue (non-GAAP)	(h-i)=(j)	$	717		$	716		$	690		$	1,432		$	1,373		$	2,804
Pre-provision net revenue (PPNR) (non-GAAP)	(h)-(a)	$	284		$	284		$	270		$	568		$	536		$	1,125
Adjusted PPNR (non-GAAP)	(j-c)=(k)	294			285			270			579			534			1,132
Efficiency ratio (non-GAAP)	(c/j)	59.0		%	60.2		%	60.9		%	59.6		%	61.1		%	59.6		%

Adjusted Pre-Provision Net Revenue per Diluted Common Share – this schedule uses “adjusted PPNR” as calculated in the efficiency ratio, which is divided by the weighted average diluted common 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 common shares outstanding provides a shareholder’s perspective of PPNR growth.

		Three Months Ended						Six Months Ended				Year Ended
(Dollar amounts in millions)		June 30, 2019		March 31, 2019		June 30, 2018		June 30, 2019		June 30, 2018		December 31, 2018
Adjusted PPNR per diluted common share
Adjusted PPNR (non-GAAP)	(k)	$	294	$	285	$	270	$	579	$	534	$	1,132
Weighted average diluted common shares outstanding (in thousands)	(l)	189,098		195,241		209,247		192,206		209,859		206,501
Adjusted PPNR per diluted common share (non-GAAP)	(k)/(l)	$	1.55	$	1.46	$	1.29	$	3.01	$	2.54	$	5.48

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RESULTS OF OPERATIONS

Executive Summary

The Bank reported net earnings applicable to common shareholders of $189 million, or $0.99 per diluted common share for the second quarter of 2019, compared with net earnings applicable to common shareholders of $187 million, or $0.89 per diluted common share for the second quarter of 2018. The improvement in diluted earnings per common share was primarily due to a reduction in diluted shares, resulting largely from common our share repurchases. The financial performance in the second quarter of 2019 reflects strong loan growth, moderate customer-related fee improvement, expense control, and stable credit quality, partially offset by a slightly lower net interest income and net interest margin compression. The second quarter of 2019 presented some challenges as our net interest margin decreased as a result of lower loan yields, increased deposit costs, and change in our funding mix. 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 increased by $1 million from $197 million in the second quarter of 2018 to $198 million in the second quarter of 2019, primarily due to a $21 million increase in net interest income, a $5 million increase in customer-related fees, and a $8 million decrease in FDIC premiums. These improvements to net income were partially offset by a $9 million increase in the provision for credit losses, a $8 million increase in salaries and employee benefits, a $5 million decrease in other noninterest income, and a $4 million decrease in securities gains.

Net income for the first six months of 2019 was $411 million, compared with $435 million for the first six months of 2018. The provision for credit losses increased by $60 million during this same time period to $25 million from ($35) million and was the primary reason for the decrease in net income. The negative provision for credit losses for the first six months of 2018 was primarily due to improving credit quality, particularly in the oil and gas portfolio, and minimal incurred losses from Hurricane Harvey. The increase in the provision for credit losses was partially offset by a $55 million increase in net interest income from the first six months of 2018 to the first six months of 2019.

Net interest income increased from the second quarter of 2018 to the second 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 $12 million in the second quarter of 2018 to $21 million in the second quarter of 2019, reflecting loan growth and generally stable credit quality in the total loan portfolio.

When comparing the second quarter of 2019 with the second quarter of 2018, customer-related fees increased by $5 million, or 4%, primarily due to an increase in other service charges, commissions and fees. Salaries and employee benefits increased $8 million during this same time period due to increases in base salaries from annual salary merit increases and headcount, and a decline in deferred salaries. FDIC premiums decreased by $8 million from the second quarter of 2018 to the second quarter of 2019.

Adjusted PPNR of $294 million for the second quarter of 2019 was up $24 million, or 9%, from the second quarter of 2018. The increase in PPNR reflects operating leverage improvement resulting from the same factors previously discussed. Noninterest expense increased by $3 million, or 1%, from the second quarter of 2018 to the second quarter of 2019.The Bank’s efficiency ratio was 59.0% in the second quarter of 2019 compared with 60.9% in the second quarter of 2018 and 60.2% in the first quarter of 2019. 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 $3.1 billion, or 7%, since the second quarter of 2018. We have seen widespread loan growth across most products and geographies, with particular strength in 1-4 family residential loans, and essentially all categories of commercial and commercial real estate loans. Asset quality during the second quarter of 2019 was generally stable when compared with the first quarter of 2019, but improved when compared with the second quarter of 2018. Credit quality in the oil and gas-related portfolio continues to strengthen and it has

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remained strong in the rest of the lending portfolio. Overall, from the second quarter of 2018 to the second quarter of 2019, criticized, classified, and nonaccrual loans declined by $232 million, $177 million, and $94 million, respectively.

Areas of focus for 2019

In 2019, we are focused on ongoing initiatives related to Bank profitability, reducing earnings volatility, and returns on- and of-equity. We are working to achieve earnings growth through positive operating leverage and achieved an 9% growth in adjusted PPNR from the second quarter of 2018 to the second quarter of 2019. With headwinds on revenue expected in the near future as a result of falling interest rates, we are focusing even more on expense control. We continue to implement technology upgrades and process simplification to ensure current and future performance, with emphasis on automation and simple, easy, fast, safe processes.

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 net income against a decline in interest rates. During the first six months of 2019, we added $3.5 billion of interest rate floors and $1.6 billion of interest rate swaps, and have $3.5 billion of interest rate floors and $2.7 billion of interest rate swaps outstanding as of June 30, 2019. Shortly after the end of the second quarter, the Bank modified all of its floors to reduce the strike rate from 1.5% to 1% while doubling the notional amount from $3.5 billion to $7.0 billion. The modification did not result in any additional costs to the Bank. See “Interest Rate and Market Risk Management” on page 27 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.

We continue to focus on the return on- and of- capital. During the last 12 months we have repurchased $985 million, or 20.0 million shares, of common stock which is equivalent to 10.2% of common stock outstanding as of June 30, 2018. The share repurchases have resulted in higher returns being provided to shareholders. For example, return on average tangible common equity was 12.7% in the second quarter of 2019, an increase of 30 basis points (“bps”) from the second quarter of 2018. Also, capital distributed as a percentage of net earnings applicable to common shareholders increased to 174% during the second quarter of 2019 from 89% during the second quarter of 2018. During July 2019, the Board approved a plan to repurchase $275 million of Bank common stock during the third quarter of 2019 and declared a dividend of $0.34 per common share during the third quarter of 2019. See “Areas of focus for 2019” in our 2018 Annual Report on Form 10-K for a more detailed 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 $569 million in the second quarter of 2019 from $548 million in the second quarter of 2018, and was driven by loan growth. The $21 million, or 4%, increase in net interest income was primarily due to a $67 million increase in interest and fees on loans, resulting from growth across all loan segments, partially offset by an increase in interest expense.

Interest expense increased $57 million from the second quarter of 2018 to the second quarter of 2019 due to an increase in short-term interest rates and an increase in short- and long-term borrowings. The Bank’s cost of total deposits and interest-bearing liabilities increased from 0.40% to 0.75% and the Bank’s use of short- and long-term borrowings increased $1.7 billion, or 32%.

Net Interest Margin and Interest Rate Spreads

The net interest margin (“NIM”) decreased to 3.54% in the second quarter of 2019, compared with 3.68% in the first quarter of 2019, and 3.56% in the same prior year period. The decrease in NIM from the prior year period was a result of increased costs of deposits and borrowed funds, which more than offset improved loan and securities yields. NIM decreased from the first quarter of 2019 primarily due to the increase in the cost of deposits and a decline in loan yields, both of which were due to changes in competitive pricing pressure and portfolio composition. The NIM continues to benefit from the stability of noninterest-bearing demand deposits.

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Average interest-earning assets increased $2.9 billion from the second quarter of 2018 to the second quarter of 2019, with average rates improving 31 bps. Average interest-bearing liabilities increased $3.7 billion in the second quarter of 2019 compared with the second quarter of 2018. The average rate on interest-bearing liabilities increased 53 bps from the second quarter of 2018 to the second quarter of 2019 due to rising interest rates and increased rates paid on deposits and federal funds purchased and other short-term borrowings.

The average loan portfolio increased $3.1 billion, or 7%, between the second quarter of 2018 and the second quarter of 2019, with growth across all loan segments. The average loan yield increased 28 bps over the same period, with increases in the average rates for commercial, CRE, and consumer loans of 26 bps, 28 bps, and 30 bps, respectively. Benchmark interest rates have increased several times during the last year, which has had a positive impact on NIM, 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 were flat compared with the second quarter of 2018. Yields on average AFS securities increased by 29 bps over the same period, and were primarily a result of 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 42% and 45% of average total deposits for the second quarters of 2019 and 2018, respectively. Average total deposits were $54.3 billion for the second quarter of 2019 compared with $52.9 billion for the second quarter of 2018. Average interest-bearing deposits were $31.3 billion in the second quarter of 2019, compared with $29.3 billion for the same prior year period. The daily average benchmark Federal Funds target rate increased from 1.79% to 2.50% between the second quarter of 2018 and the second quarter of 2019, or 71 bps, while the rate paid on the Bank’s average interest-bearing deposits increased 46 bps, implying a deposit beta of 65%, and the rate paid on total average deposits increased 27 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 are actively monitoring and managing deposit rates, and have been increasing deposit pricing as a result of competitive pricing pressure. During the initial stages of the rising rate cycle, deposit pricing increases lagged changes in benchmark rates. As we approach the end of the rising rate cycle, we have observed continued upward pressure on deposit rates in spite of benchmark rates no longer rising.

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 53 bps from the second quarter of 2018 to the second quarter of 2019. Further information regarding deposit assumptions is discussed in “Interest Rate and Market Risk Management” on page 27.

Average borrowed funds increased $1.7 billion, with average short-term borrowings increasing $0.9 billion and average long-term borrowings increasing by $0.8 billion, compared with the same prior year period, and the average interest rate paid on borrowed funds increased by 57 bps as a result of rising short-term interest rates.

The spread on average interest-bearing funds was 3.04% and 3.26% for the second 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 by 22 bps, the NIM decreased only 2 bps 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.

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 second quarter of 2019, our noninterest-bearing sources of funds contributed

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50 bps to the margin, compared with 30 bps in the second 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 27.

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 June 30, 2019						Three Months Ended June 30, 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	$	1,261	$	8	2.64	%	$	1,317	$	7	2.02	%
Securities:
Held-to-maturity	687		6		3.69		780		7		3.60
Available-for-sale	14,750		90		2.43		14,745		78		2.14
Trading account	172		2		4.48		179		2		4.06
Total securities 2	15,609		98		2.51		15,704		87		2.23
Loans held for sale	71		—		2.18		72		1		4.18
Loans and leases 3
Commercial	24,977		308		4.94		23,275		272		4.68
Commercial real estate	11,777		153		5.22		11,075		136		4.94
Consumer	11,570		124		4.28		10,892		108		3.98
Total loans and leases	48,324		585		4.85		45,242		516		4.57
Total interest-earning assets	65,265		691		4.24		62,335		611		3.93
Cash and due from banks	592						546
Allowance for loan losses	(496)						(480)
Goodwill and intangibles	1,014						1,016
Other assets	3,480						3,088
Total assets	$	69,855					$	66,505
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	26,262	41		0.63	%	$	25,479	17		0.26	%
Time	5,025		25		2.02		3,807		12		1.27
Total interest-bearing deposits	31,287		66		0.85		29,286		29		0.39
Borrowed funds:
Federal funds purchased and other short-term borrowings	5,795		37		2.53		4,927		24		1.92
Long-term debt	1,230		12		3.84		383		5		5.77
Total borrowed funds	7,025		49		2.76		5,310		29		2.19
Total interest-bearing liabilities	38,312		115		1.20		34,596		58		0.67
Noninterest-bearing deposits	23,060						23,610
Other liabilities	929						661
Total liabilities	62,301						58,867
Shareholders’ equity:
Preferred equity	566						566
Common equity	6,988						7,072
Total shareholders’ equity	7,554						7,638
Total liabilities and shareholders’ equity	$	69,855					$	66,505
Spread on average interest-bearing funds					3.04	%					3.26	%
Impact of net noninterest-bearing sources of funds					0.50						0.30
Net interest margin			$	576	3.54				$	553	3.56
Memo: total cost of deposits					0.49						0.22
Memo: total deposits and interest-bearing liabilities	$	61,372	115		0.75		$	58,206	58		0.40

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 Interest on total securities includes $31 million and $36 million of taxable-equivalent premium amortization for the second quarters of 2019 and 2018, respectively.

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

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	Six Months Ended June 30, 2019						Six Months Ended June 30, 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	$	1,264	$	17	2.69	%	$	1,406	$	13	1.85	%
Securities:
Held-to-maturity	758		14		3.71		784		14		3.57
Available-for-sale	14,737		180		2.46		14,846		159		2.16
Trading account	140		3		4.49		141		3		4.03
Total securities 2	15,635		197		2.54		15,771		176		2.24
Loans held for sale	67		1		1.96		62		1		4.08
Loans and leases 3
Commercial	24,703		612		4.99		23,158		538		4.69
Commercial real estate	11,557		301		5.26		11,070		264		4.81
Consumer	11,490		244		4.29		10,826		212		3.96
Total loans and leases	47,750		1,157		4.89		45,054		1,014		4.54
Total interest-earning assets	64,716		1,372		4.27		62,293		1,204		3.90
Cash and due from banks	574						569
Allowance for loan losses	(498)						(501)
Goodwill and intangibles	1,014						1,016
Other assets	3,417						3,059
Total assets	$	69,223					$	66,436
LIABILITIES AND SHAREHOLDERS’ EQUITY
Interest-bearing deposits:
Savings and money market	$	26,142	76		0.59	%	$	25,388	28		0.22	%
Time	4,851		47		1.96		3,545		20		1.15
Total interest-bearing deposits	30,993		123		0.80		28,933		48		0.34
Borrowed funds:
Federal funds purchased and other short-term borrowings	5,543		70		2.55		5,315		45		1.71
Long-term debt	1,056		21		3.94		383		11		5.80
Total borrowed funds	6,599		91		2.77		5,698		56		1.99
Total interest-bearing liabilities	37,592		214		1.15		34,631		104		0.61
Noninterest-bearing deposits	23,140						23,514
Other liabilities	929						658
Total liabilities	61,661						58,803
Shareholders’ equity:
Preferred equity	566						566
Common equity	6,996						7,067
Total shareholders’ equity	7,562						7,633
Total liabilities and shareholders’ equity	$	69,223					$	66,436
Spread on average interest-bearing funds					3.12	%					3.29	%
Impact of net noninterest-bearing sources of funds					0.49						0.27
Net interest margin			$	1,158	3.61				$	1,100	3.56
Memo: total cost of deposits					0.46						0.19
Memo: total deposits and interest-bearing liabilities	$	60,732	214		0.70		$	58,145	104		0.36

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 Interest on total securities includes $63 million and $68 million of taxable-equivalent premium amortization for the first six months of 2019 and 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 21 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 $21 million in the second quarter of 2019, compared with $12 million in the second quarter of 2018. The increased provision for credit losses reflects loan growth, increased net charge-offs, and an increase in the qualitative portion related to general economic indicators. Classified and nonaccrual loans in the total portfolio declined by $177 million and $94 million, respectively, from the second quarter of 2018 to the second quarter of 2019. During the second quarter of 2019, there were $14 million of net charge-offs, compared with net recoveries of $12 million during the second quarter of 2018.

The provision for loan losses was $20 million during the second quarter of 2019, compared with $5 million during the second quarter of 2018. This increase was primarily as a result of the previously mentioned loan growth, charge-offs, and qualitative adjustments.

During the second quarter of 2019, we recorded a $1 million provision for unfunded lending commitments, compared with a $7 million provision in the second quarter of 2018. This decrease is primarily due to certain portfolios that experienced growth or contraction in unfunded lending commitments relative to the same prior year period. 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 $15 million, when compared with the second 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 second quarter of 2019, noninterest income decreased $6 million, or 4%, compared with the second quarter of 2018. The following schedule presents a comparison of the major components of noninterest income.

NONINTEREST INCOME

	Three Months Ended June 30,				Amount change		Percent change		Six Months Ended June 30,				Amount change		Percent change
(Dollar amounts in millions)	2019		2018						2019		2018
Service charges and fees on deposit accounts	$	41	$	42	$	(1)	(2)	%	$	81	$	84	$	(3)	(4)	%
Other service charges, commissions and fees	58		55		3		5		113		110		3		3
Wealth management and trust income	13		14		(1)		(7)		26		25		1		4
Loan sales and servicing income	9		7		2		29		14		13		1		8
Capital markets and foreign exchange	9		7		2		29		16		15		1		7
Customer-related fees	130		125		5		4		250		247		3		1
Dividends and other investment income	9		11		(2)		(18)		18		22		(4)		(18)
Securities gains (losses), net	(3)		1		(4)		NM		(2)		1		(3)		NM
Other	(4)		1		(5)		NM		(2)		6		(8)		NM
Total noninterest income	$	132	$	138	$	(6)	(4)		$	264	$	276	$	(12)	(4)

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Customer-related fees increased $5 million, or 4%, from the second quarter of 2018 to the second quarter of 2019 and was largely attributable to an increase of $3 million in other service charges, commissions and fees as a result of increased lending activity, including syndication fees, and capital markets product sales. Securities losses were $3 million during the second quarter of 2019 compared to securities gains of $1 million during the second quarter of 2018 primarily as a result of changes in the market values of the Bank’s Small Business Investment Company (“SBIC”) investments. Other noninterest income decreased by $5 million, primarily due to a $6 million valuation adjustment on client-related interest rate swaps in the second quarter of 2019. As a result of the decline in interest rates during the second quarter of 2019, these client-related interest rate swaps significantly increased in value, resulting in a larger exposure to the Bank and a $6 million valuation adjustment.

Customer-related fees increased $3 million, or 1%, from the first six months of 2018 to the first six months of 2019. The only other significant item impacting noninterest income for the first six months of 2019 not previously discussed was a $3 million decrease in service charges and fees on deposit accounts. The decrease in service charges and fees on deposit accounts was primarily due to an unfavorable impact from the earnings credit rate associated with noninterest-bearing demand deposits and softness in retail and small business service charges.

Noninterest Expense

Noninterest expense increased by $3 million, or 1%, from the second quarter of 2018 to the second quarter of 2019. As discussed subsequently, adjusted noninterest expense also increased $3 million, or 1%, over the same period. This 1% increase is within our targeted growth rate of low single-digit percentage range relative to the prior year. As mentioned previously, with the potential headwinds on revenue expected in the near future as a result of falling interest rates, we are focused even more on expense control, 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. The following schedule presents a comparison of the major components of noninterest expense.

NONINTEREST EXPENSE

	Three Months Ended June 30,				Amount change		Percent change		Six Months Ended June 30,				Amount change		Percent change
(Dollar amounts in millions)	2019		2018						2019		2018
Salaries and employee benefits	$	274	$	266	$	8	3	%	$	562	$	535	$	27	5	%
Occupancy, net	32		32		—		—		65		63		2		3
Furniture, equipment and software, net	35		32		3		9		67		65		2		3
Other real estate expense, net	—		—		—		NM		(1)		1		(2)		NM
Credit-related expense	8		7		1		14		13		13		—		—
Professional and legal services	13		14		(1)		(7)		23		26		(3)		(12)
Advertising	5		7		(2)		(29)		11		13		(2)		(15)
FDIC premiums	6		14		(8)		(57)		12		26		(14)		(54)
Other	51		49		2		4		102		98		4		4
Total noninterest expense	$	424	$	421	$	3	1		$	854	$	840	$	14	2
Adjusted noninterest expense 1	$	423	$	420	$	3	1		$	853	$	839	$	14	2

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

Salary and employee benefits expense was up $8 million in the second quarter of 2019, compared with the second quarter of 2018. This increase was primarily due to a $7 million increase in base salaries resulting from annual salary merit increases partially influenced by employee headcount, and a $3 million decline in deferred salaries. The increase was partially offset by a $2 million decrease in incentive compensation. Furniture, equipment and software, net, increased by $3 million, primarily as a result of the successful implementation of our Core Transformation Project to replace our commercial loan systems, which occurred in the first quarter of 2019, and has subsequently resulted in increased amortization.

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The aforementioned increases in noninterest expense were offset by a $8 million decrease in FDIC premiums. The decrease in FDIC premiums is primarily due to the elimination of the FDIC surcharge for large banks because the required Deposit Insurance Fund reserve ratio has been met in addition to the Bank issuing more unsecured debt which results in lower FDIC premiums.

The Bank’s efficiency ratio was 59.0% in the second quarter of 2019 compared with 60.9% in the second quarter of 2018 and 60.2% in the first quarter of 2019. Adjusted noninterest expense for the second quarter of 2019 increased $3 million, or 1%, to $423 million, compared with $420 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.

Noninterest expense increased by $14 million, or 2%, from the first six months of 2018 to the first six months of 2019. This increase was a result of the same factors as the increase from the second quarter of 2018 to the second quarter of 2019.

Income Taxes

Income tax expense for the second quarter of 2019 was $58 million compared with $56 million for the same prior year period. The effective income tax rates were 22.7% and 22.1% for the second quarters of 2019 and 2018, respectively. Income tax expense for the first six months of 2019 was $119 million compared with $126 million for the same prior year period. The effective income tax rate for both year-to-date periods was 22.5%. 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 $9 million and $10 million during the second quarters of 2019 and 2018, respectively, and $17 million for both the first six months of 2019 and 2018.

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.

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 13.

Average interest-earning assets were $64.7 billion for the first six months of 2019, compared with $62.3 billion for the first six months of 2018. Average interest-earning assets as a percentage of total average assets were 94% for both the first six months of 2019 and 2018.

Average loans were $47.8 billion and $45.1 billion for the first six months of 2019 and 2018, respectively. Average loans as a percentage of total average assets for the first six 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 10% to $1.3 billion for the first six months of 2019, compared with $1.4 billion for the first six months of 2018. Average securities decreased by $1% for the first six months of 2019, compared with the first six months of 2018.

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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 30 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 3 of our 2018 Annual Report on Form 10-K.

INVESTMENT SECURITIES PORTFOLIO

	June 30, 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	$	695	$	695	$	698	$	774	$	774	$	767
Available-for-sale
U.S. Treasury securities	40		40		40		40		40		40
U.S. Government agencies and corporations:
Agency securities	1,372		1,372		1,373		1,395		1,394		1,375
Agency guaranteed mortgage-backed securities	9,981		10,110		10,133		10,093		10,236		10,014
Small Business Administration loan-backed securities	1,645		1,790		1,751		1,871		2,042		1,996
Municipal securities	1,203		1,322		1,350		1,178		1,303		1,291
Other debt securities	25		25		25		25		25		21
Total available-for-sale	14,266		14,659		14,672		14,602		15,040		14,737
Total investment securities	$	14,961	$	15,354	$	15,370	$	15,376	$	15,814	$	15,504

The amortized cost of investment securities at June 30, 2019 decreased by 3% from the balances at December 31, 2018. Approximately 34% of the investment securities are floating rate as of June 30, 2019.

The investment securities portfolio includes $393 million of net premium that is distributed across various asset classes as illustrated in the preceding schedule. Premium amortization for the six months ended June 30, 2019, was approximately $31 million, compared with approximately $36 million for the same period in 2018, reducing the yield on securities by 81 bps compared with a 92 bps impact for the same period in 2018.

As of June 30, 2019, under the GAAP fair value accounting hierarchy, 0.3% of the $14.7 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.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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

MUNICIPALITIES

(In millions)	June 30, 2019		December 31, 2018
Loans and leases	$	2,059	$	1,661
Held-to-maturity – municipal securities	695		774
Available-for-sale – municipal securities	1,350		1,291
Trading account – municipal securities	122		89
Unfunded lending commitments	157		144
Total direct exposure to municipalities	$	4,383	$	3,959

At June 30, 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.

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 June 30, 2019 and December 31, 2018.

Loan Portfolio

For the first six 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 June 30, 2019.

LOAN PORTFOLIO

	June 30, 2019				December 31, 2018
(Dollar amounts in millions)	Amount		% of total loans		Amount		% of total loans
Commercial:
Commercial and industrial	$	14,883	30.6	%	$	14,513	31.0	%
Leasing	337		0.7		327		0.7
Owner-occupied	7,828		16.1		7,661		16.4
Municipal	2,059		4.2		1,661		3.6
Total commercial	25,107		51.6		24,162		51.7
Commercial real estate:
Construction and land development	2,609		5.4		2,186		4.7
Term	9,218		19.0		8,939		19.1
Total commercial real estate	11,827		24.4		11,125		23.8
Consumer:
Home equity credit line	2,929		6.0		2,937		6.3
1-4 family residential	7,440		15.3		7,176		15.4
Construction and other consumer real estate	644		1.3		643		1.4
Bankcard and other revolving plans	502		1.0		491		1.0
Other	168		0.4		180		0.4
Total consumer	11,683		24.0		11,427		24.5
Total net loans	$	48,617	100.0	%	$	46,714	100.0	%

Loan portfolio growth during the first six months of 2019 continued to be widespread across loan products and geographies with particular strength in municipal, construction and land development, consumer 1-4 family

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

residential, and commercial and industrial loans. The growth in the loan portfolio during the first six months of 2019 was primarily at Amegy Bank (“Amegy”) and Zions Bank.

Other Noninterest-Bearing Investments

During the first six months of 2019, the Bank increased its short-term borrowings with the Federal Home Loan Bank (“FHLB”) by $450 million. This increase also led to an increase in FHLB activity stock, which consequently increased by $18 million during the year. Aside from this increase, other noninterest-bearing investments remained relatively stable as set forth in the following schedule.

OTHER NONINTEREST-BEARING INVESTMENTS

(In millions)	June 30, 2019		December 31, 2018
Bank-owned life insurance	$	522	$	516
Federal Home Loan Bank stock	208		190
Federal Reserve stock	123		139
Farmer Mac stock	51		54
SBIC investments	139		132
Non-SBIC investment funds	10		12
Other	3		3
Total other noninterest-bearing investments	$	1,056	$	1,046

Premises, Equipment, and Software

Net premises, equipment, and software increased $9 million, or 0.8%, during the first six 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.

	June 30, 2019
(In millions)	Phase 1		Phase 2		Phase 3		Total
Capitalized costs for the core replacement project
Total amount capitalized, less accumulated depreciation	$	59	$	86	$	46	$	191

Deposits

Deposits, both interest-bearing and noninterest-bearing, are a primary source of funding for the Bank. Average total deposits for the first six months of 2019 increased by 3%, compared with the first six months of 2018, with average interest-bearing deposits increasing by 7% and average noninterest-bearing deposits decreasing by 2%. The average interest rate paid for interest-bearing deposits was 46 bps higher during the first six months of 2019, compared with the first six months of 2018.

Demand, savings, and money market deposits were 91% and 92% of total deposits at June 30, 2019 and December 31, 2018, respectively. At June 30, 2019 and December 31, 2018, total deposits included $2.4 billion and $2.2 billion, respectively, of brokered deposits.

See “Liquidity Risk Management” on page 30 for additional information on funding and borrowed funds.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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 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 June 30, 2019, the principal balance of these loans was $575 million, and the guaranteed portion of these loans was $432 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)	June 30, 2019		Percent guaranteed		December 31, 2018		Percent guaranteed
Commercial	$	553	75	%	$	537	75	%
Commercial real estate	14		79		14		79
Consumer	8		100		9		100
Total loans	$	575	75		$	560	76

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

Commercial Lending

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

COMMERCIAL LENDING BY INDUSTRY GROUP

	June 30, 2019				December 31, 2018
(Dollar amounts in millions)	Amount		Percent		Amount		Percent
Real estate, rental and leasing	$	2,707	10.8	%	$	2,636	10.9	%
Retail trade 1	2,540		10.1		2,434		10.0
Manufacturing	2,227		8.9		2,145		8.9
Finance and insurance	1,813		7.2		2,036		8.4
Healthcare and social assistance	1,799		7.2		1,695		7.0
Wholesale trade	1,597		6.4		1,527		6.3
Utilities 2	1,424		5.7		1,163		4.8
Transportation and warehousing	1,416		5.6		1,328		5.5
Mining, quarrying, and oil and gas extraction	1,242		4.9		1,206		5.0
Construction	1,217		4.8		1,194		4.9
Public Administration	989		3.9		806		3.4
Hospitality and food services	986		3.9		1,005		4.2
Professional, scientific, and technical services	943		3.8		859		3.6
Other Services (except Public Administration)	854		3.4		887		3.7
Other 3	3,353		13.4		3,241		13.4
Total	$	25,107	100.0	%	$	24,162	100.0	%

¹ At June 30, 2019 and December 31, 2018, 84% and 83% of retail trade consist of motor vehicle and parts dealers, gas stations, grocery stores, building material suppliers, and direct-to-consumer retailers, respectively.

² Includes primarily utilities, power, and renewable energy.

³ No other industry group exceeds 3.2%.

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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	6/30/2019	$	1,221		$	2,969		$	605		$	577		$	1,566		$	1,314		$	397		$	569		$	9,218		77.9	%
% of loan type		13.2		%	32.2		%	6.6		%	6.3		%	17.0		%	14.2		%	4.3		%	6.2		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2019	0.2		%	—		%	—		%	—		%	—		%	0.3		%	—		%	0.4		%	0.1		%
	3/31/2019	0.3		%	0.2		%	0.2		%	—		%	0.1		%	0.1		%	—		%	0.3		%	0.2		%
≥ 90 days	6/30/2019	—		%	0.1		%	—		%	—		%	0.1		%	0.1		%	—		%	—		%	0.1		%
	3/31/2019	—		%	0.1		%	—		%	—		%	0.1		%	0.1		%	—		%	—		%	0.1		%
Accruing loans past due 90 days or more	6/30/2019	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	3/31/2019	—			—			—			—			—			1			—			—			1
Nonaccrual loans	6/30/2019	$	2		$	6		$	—		$	—		$	4		$	5		$	—		$	14		$	31
	3/31/2019	2			6			—			—			4			5			—			15			32
Residential construction and land development
Balance outstanding	6/30/2019	$	40		$	336		$	76		$	1		$	190		$	53		$	10		$	9		$	715		6.1	%
% of loan type		5.6		%	47.0		%	10.6		%	0.1		%	26.6		%	7.4		%	1.4		%	1.3		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
	3/31/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
≥ 90 days	6/30/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
	3/31/2019	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
Accruing loans past due 90 days or more	6/30/2019	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	3/31/2019	—			—			—			—			—			—			—			—			—
Nonaccrual loans	6/30/2019	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
	3/31/2019	—			—			—			—			—			—			—			—			—
Commercial construction and land development
Balance outstanding	6/30/2019	$	154		$	319		$	79		$	112		$	466		$	512		$	209		$	43		$	1,894		16.0	%
% of loan type		8.1		%	16.9		%	4.2		%	5.9		%	24.6		%	27.0		%	11.0		%	2.3		%	100.0		%
Delinquency rates 2:
30-89 days	6/30/2019	—		%	3.5		%	—		%	—		%	—		%	—		%	5.8		%	—		%	1.2		%
	3/31/2019	—		%	1.1		%	—		%	—		%	0.3		%	1.1		%	—		%	—		%	0.6		%
≥ 90 days	6/30/2019	—		%	—		%	—		%	—		%	—		%	1.2		%	—		%	—		%	0.3		%
	3/31/2019	—		%	—		%	—		%	—		%	—		%	0.2		%	—		%	—		%	0.1		%
Accruing loans past due 90 days or more	6/30/2019	$	—		$	—		$	—		$	—		$	—		$	5		$	—		$	—		$	5
	3/31/2019	—			—			—			—			—			1			—			—			1
Nonaccrual loans	6/30/2019	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
	3/31/2019	—			—			—			—			—			1			—			—			1
Total construction and land development	6/30/2019	$	194		$	655		$	155		$	113		$	656		$	565		$	219		$	52		$	2,609
Total commercial real estate	6/30/2019	$	1,415		$	3,624		$	760		$	690		$	2,222		$	1,879		$	616		$	621		$	11,827		100.0	%

¹ No other geography exceeds $91 million for all three loan types.

² Delinquency rates include nonaccrual loans.

Approximately 9% of the CRE term loans consist of mini-perm loans as of June 30, 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 91% 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 $210 million, or 8%, of the commercial construction and land development portfolio at June 30, 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 June 30, 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)	June 30, 2019		December 31, 2018
Secured by first deeds of trust	$	1,417	$	1,458
Secured by second (or junior) liens	1,512		1,479
Total	$	2,929	$	2,937

At June 30, 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 88% 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 six months of 2019 and 2018 for the HECL portfolio was (0.02)% and 0.01%, 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 0.52% at June 30, 2019, compared with 0.55% at December 31, 2018.

Total nonaccrual loans at June 30, 2019 decreased $4 million from December 31, 2018, primarily in the term commercial real estate 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 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.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

The following schedule sets forth our nonperforming assets:

NONPERFORMING ASSETS

(Dollar amounts in millions)	June 30, 2019			December 31, 2018
Nonaccrual loans 1	$	248		$	252
Other real estate owned	5			4
Total nonperforming assets	$	253		$	256
Ratio of nonperforming assets to net loans and leases1 and other real estate owned	0.52		%	0.55		%
Accruing loans past due 90 days or more	$	17		$	10
Ratio of accruing loans past due 90 days or more to loans and leases1	0.03		%	0.02		%
Nonaccrual loans and accruing loans past due 90 days or more	$	265		$	262
Ratio of nonaccrual loans and accruing loans past due 90 days or more to loans and leases1	0.54		%	0.56		%
Accruing loans past due 30-89 days	$	99		$	65
Nonaccrual loans1 current as to principal and interest payments	60.1		%	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 $26 million, or 13%, during the first six 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)	June 30, 2019		December 31, 2018
Restructured loans – accruing	$	97	$	112
Restructured loans – nonaccruing	79		90
Total	$	176	$	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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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

TROUBLED DEBT RESTRUCTURED LOANS ROLLFORWARD

	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2019		2018		2019		2018
Balance at beginning of period	$	174	$	229	$	202	$	226
New identified TDRs and principal increases	14		18		20		69
Payments and payoffs	(11)		(54)		(39)		(88)
Charge-offs	(1)		(2)		(5)		(3)
No longer reported as TDRs	—		(7)		—		(18)
Sales and other	—		(3)		(2)		(5)
Balance at end of period	$	176	$	181	$	176	$	181

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)	Six Months Ended June 30, 2019			Twelve Months Ended December 31, 2018			Six Months Ended June 30, 2018
Loans and leases outstanding (net of unearned income)	$	48,617		$	46,714		$	45,230
Average loans and leases outstanding (net of unearned income)	$	47,750		$	45,425		$	45,054
Allowance for loan losses:
Balance at beginning of period	$	495		$	518		$	518
Provision for loan losses	22			(39)			(35)
Charge-offs:
Commercial	27			46			30
Commercial real estate	1			5			—
Consumer	7			18			9
Total	35			69			39
Recoveries:
Commercial	12			68			38
Commercial real estate	3			9			5
Consumer	6			8			3
Total	21			85			46
Net loan and lease charge-offs (recoveries)	14			(16)			(7)
Balance at end of period	$	503		$	495		$	490
Ratio of annualized net charge-offs to average loans and leases	0.06		%	(0.04)		%	(0.03)		%
Ratio of allowance for loan losses to net loans and leases, at period end	1.03		%	1.06		%	1.08		%
Ratio of allowance for loan losses to nonaccrual loans, at period end	203		%	201		%	143		%
Ratio of allowance for loan losses to nonaccrual loans and accruing loans past due 90 days or more, at period end	190		%	193		%	141		%

The total ALLL increased during the first six months of 2019 by $8 million as a result of loan growth, increased net charge-offs, and an increase in the qualitative portion related to general economic indicators.

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 reserve are shown separately in the statement of income. At June 30, 2019, the reserve increased by $3 million from December 31, 2018, and increased by $2 million from June 30, 2018.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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 lower rates on net interest income contraction. We anticipate moderately lower net interest income in a falling rate environment as our assets reprice more quickly than our liabilities. Furthermore, as our deposit rates changes tend to lag changes in our assets, we anticipate a reduction in current interest income in a stable rate environment as asset yields level off and deposit rates continue to increase slightly.

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. As of June 30, 2019 the EaR declined by 8% for a 200 bps decline in rates.

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 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 the shape of the yield curve, 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

	June 30, 2019
Product	Effective duration (unchanged)		Effective duration (+200 bps)
Demand deposits	3.1	%	3.1	%
Money market	4.0	%	1.6	%
Savings and interest-on-checking	3.3	%	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

	June 30, 2019
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Earnings at Risk	(4.1)	%	—	%	3.2	%	6.0	%	8.9	%

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

For non-maturity interest-bearing deposits, the weighted average modeled beta is 42%. If the weighted average deposit beta increased to 58% it would decrease the EaR in the +200bps shock from 6.0% to 3.7%.

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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.

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 steeping rate shock where the short-term rate moves -200bps but the ten-year rate only moves -30bps, the earnings decline is 31% less severe over 12 months compared with the parallel -200bps rate shock.

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 42%. If the weighted average deposit beta increased to 58% it would decrease the EVE in the +200bps shock from (1.3)% to (3.2)%.

	June 30, 2019
	Parallel shift in rates (in bps)1
Repricing scenario	-100		0		+100		+200		+300
Economic Value of Equity	7.7	%	—	%	0.5	%	(1.3)	%	(3.3)	%

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		0		+100		+200		+300
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 June 30, 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 $5.2 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 $58 million of variable-rate loans being priced at floored rates at June 30, 2019, which were above the “index plus spread” rate by an average of 65 bps. At June 30, 2019, we also had $3.3 billion of variable-rate consumer loans scheduled to reprice in the next six months. Of these variable-rate consumer loans approximately $7 million were priced at floored rates, which were above the “index plus spread” rate by an average of 49 bps.

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

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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 June 30, 2019, we had a relatively small amount, $148 million, of trading assets and $66 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 second quarter of 2019, the after-tax change in AOCI attributable to AFS securities increased by $116 million, due largely to changes in the interest rate environment, compared with a $50 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 June 30, 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 June 30, 2019 and December 31, 2018.

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 June 30, 2019, our investment securities portfolio of $15.5 billion and cash and money market investments of $1.8 billion collectively comprised 25% of total assets.

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Liquidity Management Actions

The Bank’s consolidated cash, interest-bearing deposits held as investments, and security resell agreements was $1.7 billion at June 30, 2019 compared to $2.4 billion at December 31, 2018 and $1.5 billion at June 30, 2018. During the first six months of 2019 uses of cash were primarily from (1) loan originations, (2) repurchases of our common stock, and (3) 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 decrease in investment securities, (3) an increase in short-term debt, (4) an increase in deposits, and (5) net cash provided by operating activities

The Bank’s loan to total deposit ratio has increased slightly and was 89% at June 30, 2019 compared with 86% at December 31, 2018, and 84% at June 30, 2018 indicating a higher loan growth than deposit growth. As a result of the higher loan growth, the Bank is relying on more expensive wholesale funding for a portion of its loan growth. The Bank’s core deposits, consisting of noninterest-bearing demand deposits, savings and money market deposits, and time deposits under $250,000, was $51.0 billion at June 30, 2019 compared with $51.2 billion at December 31, 2018 and $50.8 billion at June 30, 2018.

Total deposits were $54.3 billion at June 30, 2019 compared to $54.1 billion at December 31, 2018 and $53.6 billion at June 30, 2018. The increase for the first six months of 2019 was a result of a $579 million and $350 million increase in time deposits and savings and money market deposits, respectively, partially offset by a $698 million decrease in noninterest-bearing demand deposits.

During the first six months 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 June 30, 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 $199 million during the first six months of 2019 from $100 million during the first six months of 2018 due to an increase in deposits, short- and long-term borrowings, and higher interest rates paid on deposits and short-term borrowings. Additionally, the Bank paid approximately $127 million of dividends on preferred stock and common stock for the first six months of 2019 compared with $104 million for the first six months of 2018. Dividends paid per common share increased from $0.24 in the second quarter of 2018 to $0.30 in the second quarter of 2019. In July 2019, the Board approved a quarterly common dividend of $.034 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 six months of 2019 and are presented in the following schedule.

CREDIT RATINGS
as of July 31, 2019:
Rating agency	Outlook	Long-term issuer/senior debt rating	Subordinated debt rating	Short-term debt rating
S&P	Stable	BBB+	BBB	A-2
Kroll	Stable	A-	BBB+	K2
Fitch	Positive	BBB	BBB-

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.

The amount available for additional FHLB and Federal Reserve borrowings was approximately $13.8 billion at both June 30, 2019 and December 31, 2018. Loans with a carrying value of approximately $23.3 billion at June 30, 2019 have been pledged at the FHLB of Des Moines and the Federal Reserve as collateral for current and potential

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borrowings compared with $22.6 billion at December 31, 2018. At June 30, 2019, we had $5.0 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 June 30, 2019, our total investment in FHLB and Federal Reserve stock was $208 million and $123 million, respectively, compared with $190 million and $139 million at December 31, 2018.

Our AFS investment securities are primarily held as a source of contingent liquidity. We target securities that can be easily turned into cash through sale or repurchase agreements and whose value remains relatively stable during market disruptions. We regularly manage our short-term funding needs through secured borrowing with the securities pledged as collateral. Interest rate risk management is another consideration for selection of investment securities. Our AFS securities balances have been fairly constant over the last year.

Our use of borrowed funds (both short- and long-term) increased by $882 million during the first six months of 2019, which helped to fund loan growth over the period.

During the first six months of 2019 we paid income taxes of $132 million compared to $91 million for the first six months 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.

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

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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.

Common stock and additional paid-in capital decreased $535 million, or 14%, from December 31, 2018 to June 30, 2019, primarily due to $550 million of Bank common stock repurchases from publicly announced plans.

Capital Management Actions

During the first six months of 2019, the Bank repurchased 11.3 million shares of common stock, or 6% of common stock outstanding as of December 31, 2018, for $550 million at an average price of $48.50 per share. During the last four quarters, the Bank repurchased 20.0 million shares of common stock, or 10% of common stock outstanding as of June 30, 2018, for $985 million at an average price of $49.29 per share. In July 2019, the Bank announced that the Board of Directors approved a plan to repurchase $275 million of common stock during the third 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 $110 million, or $0.60 per share, during the first six months of 2019 compared to $87 million, or $0.44 per share, during the first six months of 2018. In July 2019, the Board of Directors declared a quarterly dividend of $0.34 per common share payable on August 22, 2019 to shareholders of record on August 15, 2019. The Bank also paid dividends on preferred stock of $17 million for both the first six months of 2019 and 2018. See Note 9 for additional detail about capital management transactions during the first six months of 2019.

CAPITAL DISTRIBUTIONS

	Three Months Ended
(Dollar amounts in millions)	June 30, 2019			March 31, 2019			December 31, 2018			September 30, 2018			June 30, 2018			March 31, 2018
Common dividends paid	$	54		$	56		$	57		$	58		$	47		$	40
Bank common stock repurchased – from publicly announced plans	275			275			250			185			120			115
Total capital distributed to common shareholders	$	329		$	331		$	307		$	243		$	167		$	155
Capital distributed as a percentage of net earnings applicable to common shareholders	174		%	161		%	141		%	113		%	89		%	67		%

Total shareholders’ equity has remained consistent and was $7.6 billion at June 30, 2019, December 31, 2018 and June 30, 2018. The primary increases in shareholders’ equity during the first six months of 2019 was net income of $411 million and $275 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 period was $550 million from repurchases of Bank common stock from publicly announced plans and $127 million from common and preferred stock dividends paid.

Weighted average diluted shares decreased by 20 million and 18 million when comparing the second quarters of 2019 and 2018 and the first six months of 2019 and 2018, respectively, 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 June 30, 2019, the Bank had 29.3 million ZIONW warrants outstanding with an exercise price of $34.41 which expire on May 22, 2020.

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

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IMPACT OF COMMON STOCK WARRANTS

Assumed Zions Bancorporation, N.A. Common Stock Market Price		Diluted Shares (000s)
$	30.00	—
35.00		2,385
40.00		5,979
45.00		8,775
50.00		11,011
55.00		12,841
60.00		14,366
65.00		15,656

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 June 30, 2019. The following schedule presents the Bank’s capital and performance ratios as of June 30, 2019, December 31, 2018 and June 30, 2018.

CAPITAL RATIOS

	June 30, 2019			December 31, 2018			June 30, 2018
Tangible common equity ratio1	8.7		%	8.9		%	9.2		%
Tangible equity ratio1	9.5			9.7			10.1
Average equity to average assets (three months ended)	10.8			11.2			11.5
Basel III risk-based capital ratios:
Common equity tier 1 capital	10.8			11.7			12.2
Tier 1 leverage	9.5			10.3			10.5
Tier 1 risk-based	11.8			12.7			13.3
Total risk-based	13.0			13.9			14.8
Return on average common equity (three months ended)	10.8			12.4			10.6
Return on average tangible common equity (three months ended)1	12.7			14.5			12.4
Tangible book value per common share	$	34.02		$	31.97		$	30.91

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

At June 30, 2019, Basel III regulatory tier 1 risk-based capital and total risk-based capital was $6.6 billion and $7.2 billion, respectively, compared with $6.8 billion and $7.4 billion, respectively, at December 31, 2018. We believe that we have further room to optimize our capital ratios as supported by our stress testing and efforts to improve our loan portfolio composition and are continuing to reduce excess capital. 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.

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ITEM 1. FINANCIAL STATEMENTS (Unaudited)

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(In millions, shares in thousands)	June 30, 2019		December 31, 2018
	(Unaudited)
ASSETS
Cash and due from banks	$	538	$	614
Money market investments:
Interest-bearing deposits	634		619
Federal funds sold and security resell agreements	620		1,461
Investment securities:
Held-to-maturity, at amortized cost (approximate fair value $698 and $767)	695		774
Available-for-sale, at fair value	14,672		14,737
Trading account, at fair value	148		106
Total securities	15,515		15,617
Loans held for sale	105		93
Loans and leases, net of unearned income and fees	48,617		46,714
Less allowance for loan losses	503		495
Loans held for investment, net of allowance	48,114		46,219
Other noninterest-bearing investments	1,056		1,046
Premises, equipment and software, net	1,133		1,124
Goodwill and intangibles	1,014		1,015
Other real estate owned	5		4
Other assets	1,331		934
Total Assets	$	70,065	$	68,746
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing demand	$	22,947	$	23,645
Interest-bearing:
Savings and money market	26,470		26,120
Time	4,915		4,336
Total deposits	54,332		54,101
Federal funds purchased and other short-term borrowings	6,023		5,653
Long-term debt	1,236		724
Reserve for unfunded lending commitments	60		57
Other liabilities	815		633
Total liabilities	62,466		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 176,935 and 187,554 shares) and additional paid-in capital	3,271		3,806
Retained earnings	3,737		3,456
Accumulated other comprehensive income (loss)	25		(250)
Total shareholders’ equity	7,599		7,578
Total liabilities and shareholders’ equity	$	70,065	$	68,746

See accompanying notes to consolidated financial statements.

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CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

(In millions, except shares and per share amounts)	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Interest income:
Interest and fees on loans	$	581	$	514	$	1,151	$	1,011
Interest on money market investments	8		7		17		13
Interest on securities	95		85		191		170
Total interest income	684		606		1,359		1,194
Interest expense:
Interest on deposits	66		29		123		48
Interest on short- and long-term borrowings	49		29		91		56
Total interest expense	115		58		214		104
Net interest income	569		548		1,145		1,090
Provision for credit losses:
Provision for loan losses	20		5		22		(35)
Provision for unfunded lending commitments	1		7		3		—
Total provision for credit losses	21		12		25		(35)
Net interest income after provision for loan losses	548		536		1,120		1,125
Noninterest income:
Service charges and fees on deposit accounts	41		42		81		84
Other service charges, commissions and fees	58		55		113		110
Wealth management and trust income	13		14		26		25
Loan sales and servicing income	9		7		14		13
Capital markets and foreign exchange	9		7		16		15
Customer-related fees	130		125		250		247
Dividends and other investment income	9		11		18		22
Securities gains (losses), net	(3)		1		(2)		1
Other	(4)		1		(2)		6
Total noninterest income	132		138		264		276
Noninterest expense:
Salaries and employee benefits	274		266		562		535
Occupancy, net	32		32		65		63
Furniture, equipment and software, net	35		32		67		65
Other real estate expense, net	—		—		(1)		1
Credit-related expense	8		7		13		13
Professional and legal services	13		14		23		26
Advertising	5		7		11		13
FDIC premiums	6		14		12		26
Other	51		49		102		98
Total noninterest expense	424		421		854		840
Income before income taxes	256		253		530		561
Income taxes	58		56		119		126
Net income	198		197		411		435
Preferred stock dividends	(9)		(10)		(17)		(17)
Net earnings applicable to common shareholders	$	189	$	187	$	394	$	418
Weighted average common shares outstanding during the period:
Basic shares (in thousands)	179,156		195,583		181,946		196,149
Diluted shares (in thousands)	189,098		209,247		192,206		209,859
Net earnings per common share:
Basic	$	1.05	$	0.95	$	2.15	$	2.11
Diluted	0.99		0.89		2.04		1.97

See accompanying notes to consolidated financial statements.

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)

	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2019		2018		2019		2018
Net income for the period	$	198	$	197	$	411	$	435
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	116		(50)		237		(175)
Net unrealized gains (losses) on other noninterest-bearing investments	—		2		(3)		3
Net unrealized holding gains (losses) on derivative instruments	31		(2)		39		(5)
Reclassification adjustment for decrease in interest income recognized in earnings on derivative instruments	1		1		2		1
Other comprehensive income (loss)	148		(49)		275		(176)
Comprehensive income	$	346	$	148	$	686	$	259

See accompanying notes to consolidated financial statements.

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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 March 31, 2019	$	566	182,513	$	—	$	3,541	$	3,603		$	(122)	$	7,588
Net income for the period								198					198
Other comprehensive income, net of tax											147		147
Bank common stock repurchased			(5,857)			(276)							(276)
Net shares issued from stock warrant exercises			7
Net activity under employee plans and related tax benefits			272			6							6
Dividends on preferred stock								(10)					(10)
Dividends on common stock, $0.30 per share								(54)					(54)
Balance at June 30, 2019	$	566	176,935	$	—	$	3,271	$	3,737		$	25	$	7,599
Balance at March 31, 2018	$	566	197,050	$	4,346	$	—	$	2,999		$	(267)	$	7,644
Net income for the period								197					197
Other comprehensive loss, net of tax											(48)		(48)
Bank common stock repurchased			(2,270)	(127)									(127)
Net shares issued from stock warrant exercises			53
Net activity under employee plans and related tax benefits			559	12									12
Dividends on preferred stock								(10)					(10)
Dividends on common stock, $0.24 per share								(47)					(47)
Balance at June 30, 2018	$	566	195,392	$	4,231	$	—	$	3,139		$	(315)	$	7,621

38

(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								411					411
Other comprehensive income, net of tax											275		275
Cumulative effect adjustment, adoption of ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities								(3)					(3)
Bank common stock repurchased			(11,363)			(551)							(551)
Net shares issued from stock warrant exercises			8
Net activity under employee plans and related tax benefits			736			16							16
Dividends on preferred stock								(17)					(17)
Dividends on common stock, $0.60   per share								(110)					(110)
Balance at June 30, 2019	$	566	176,935	$	—	$	3,271	$	3,737		$	25	$	7,599
Balance at December 31, 2017	$	566	197,532	$	4,445	$	—	$	2,807		$	(139)	$	7,679
Net income for the period								435					435
Other comprehensive loss, net of tax											(176)		(176)
Cumulative effect adjustment, adoption of ASU 2014-09, Revenue from Contracts with Customers								1					1
Bank common stock repurchased			(4,541)	(248)									(248)
Net shares issued from stock warrant exercises			1,095
Net activity under employee plans and related tax benefits			1,306	34									34
Dividends on preferred stock								(17)					(17)
Dividends on common stock, $0.44 per share								(87)					(87)
Balance at June 30, 2018	$	566	195,392	$	4,231	$	—	$	3,139		$	(315)	$	7,621

See accompanying notes to consolidated financial statements.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

(In millions)	Six Months Ended June 30,
	2019		2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income for the period	$	411	$	435
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	25		(35)
Depreciation and amortization	93		92
Share-based compensation	18		18
Deferred income tax expense	3		2
Net increase in trading securities	(42)		(59)
Net increase in loans held for sale	(39)		(34)
Change in other liabilities	(73)		85
Change in other assets	(166)		(52)
Other, net	(10)		(14)
Net cash provided by operating activities	220		438
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in money market investments	827		40
Proceeds from maturities and paydowns of investment securities held-to-maturity	239		114
Purchases of investment securities held-to-maturity	(160)		(222)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	1,345		1,404
Purchases of investment securities available-for-sale	(1,028)		(1,176)
Net change in loans and leases	(1,877)		(431)
Purchases and sales of other noninterest-bearing investments	(5)		(4)
Purchases of premises and equipment	(60)		(54)
Other, net	4		—
Net cash used in investing activities	(715)		(329)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	232		965
Net change in short-term funds borrowed	371		1,181
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	7		17
Dividends paid on common and preferred stock	(127)		(104)
Bank common stock repurchased	(551)		(248)
Other, net	(10)		—
Net cash provided by (used in) financing activities	419		(189)
Net decrease in cash and due from banks	(76)		(80)
Cash and due from banks at beginning of period	614		548
Cash and due from banks at end of period	$	538	$	468
Cash paid for interest	$	199	$	100
Net cash paid for income taxes	132		91
Noncash activities are summarized as follows:
Loans held for investment transferred to other real estate owned	6		6
Loans held for investment reclassified to loans held for sale, net	—		39

See accompanying notes to consolidated financial statements.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

June 30, 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 six months ended June 30, 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 and subsequent related ASUs	This ASU, and subsequent updates, 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 our internal Credit, Treasury, and Accounting groups, has developed models to meet the new standard. We continue to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, finalizing the qualitative allowance process, and developing 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. The Bank will adopt this guidance beginning January 1, 2020. Transition to the new standard is through a cumulative-effect adjustment to the opening retained earnings as of the beginning of January 1, 2020.
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 significant decreases in the fair value identified for the relevant reporting units since the analysis was performed. 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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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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 ("ROU") 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 as of January 1, 2019 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 a lease liability of approximately $242 million. There was no impact to retained earnings upon adoption. 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 as of January 1, 2019 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 as of January 1, 2019. 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 as of January 1, 2019. 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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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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)	June 30, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,257	$	—	$	13,297
Municipal securities			1,350				1,350
Other debt securities			25				25
Total Available-for-sale	40		14,632		—		14,672
Trading account	18		130				148
Other noninterest-bearing investments:
Bank-owned life insurance			522				522
Private equity investments					105		105
Other assets:
Agriculture loan servicing and interest-only strips					19		19
Deferred compensation plan assets	106						106
Derivatives:
Derivatives designated as hedges			26				26
Derivatives not designated as hedges:
Customer-facing interest rate			139				139
Other interest rate			2				2
Foreign exchange	3						3
Total Assets	$	167	$	15,451	$	124	$	15,742
LIABILITIES
Securities sold, not yet purchased	$	66	$	—	$	—	$	66
Other liabilities:
Deferred compensation plan obligations	106						106
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			11				11
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	174	$	12	$	—	$	186

¹ We 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

¹ We 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								Six Months Ended
	June 30, 2019				June 30, 2018				June 30, 2019				June 30, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips		Private equity investments		Ag loan svcg and int-only strips		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	$	107	$	17	$	100	$	18	$	102	$	18	$	95	$	18
Securities gains (losses), net	(2)		—		1		—		(1)		—		1		—
Other noninterest income	—		2		—		—		—		1		—		—
Purchases	—		—		1		—		4		—		6		—
Balance at end of period	$	105	$	19	$	102	$	18	$	105	$	19	$	102	$	18

The reconciliation of Level 3 instruments does not include any realized gains and losses in the statement of income during the three months ended June 30, 2019 and 2018. During the six months ended June 30, there were no realized gains or losses in the statement of income in 2019 and $3 million in realized losses in 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 June 30, 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	—		6		—		6		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	7	$	—	$	7	$	—	$	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 June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
ASSETS
Private equity investments	$	—	$	—	$	—	$	—
Impaired loans	(9)		(1)		(9)		(5)
Other real estate owned	—		—		—		(1)
Total	$	(9)	$	(1)	$	(9)	$	(6)

During the three months ended June 30, we recognized an insignificant amount of net gains in 2019 and 2018 from

the sale of other real estate owned (“OREO”) properties. During the six months ended June 30, we recognized approximately $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 $2 million during these same periods. Prior to their sale, we recognized an insignificant amount of impairment on these properties during the six months ended June 30, 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 $9 million at

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

June 30, 2019 and $10 million at December 31, 2018. Amounts of other noninterest-bearing investments carried at cost were $332 million at June 30, 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 $38 million at June 30, 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:

	June 30, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	695	$	698	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	48,219		47,475		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,915		4,923		2	4,336		4,319		2
Long-term debt	1,236		1,248		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:

	June 30, 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	$	876	$	(256)	$	620	$	—	$	—	$	620
Derivatives (included in other assets)	170		—		170		(10)		(14)		146
Total assets	$	1,046	$	(256)	$	790	$	(10)	$	(14)	$	766
Liabilities:
Federal funds and other short-term borrowings	$	6,279	$	(256)	$	6,023	$	—	$	—	$	6,023
Derivatives (included in other liabilities)	14		—		14		(10)		(2)		2
Total Liabilities	$	6,293	$	(256)	$	6,037	$	(10)	$	(2)	$	6,025

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	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	$	1,506	$	—	$	1,506	$	(35)	$	(3)	$	1,468
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.

	June 30, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	695	$	5	$	2	$	698
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,372		6		5		1,373
Agency guaranteed mortgage-backed securities	10,110		86		63		10,133
Small Business Administration loan-backed securities	1,790		1		40		1,751
Municipal securities	1,322		28		—		1,350
Other debt securities	25		—		—		25
Total available-for-sale	14,659		121		108		14,672
Total investment securities	$	15,354	$	126	$	110	$	15,370

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	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 June 30, 2019, by contractual maturity 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.

	June 30, 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	$	138	$	138	$	177	$	177
Due after one year through five years	258		259		633		636
Due after five years through ten years	155		158		2,824		2,835
Due after ten years	144		143		11,025		11,024
Total debt investment securities	$	695	$	698	$	14,659	$	14,672

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:

	June 30, 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	$	—	$	13	$	2	$	275	$	2	$	288
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		14		5		606		5		620
Agency guaranteed mortgage-backed securities	1		72		62		4,535		63		4,607
Small Business Administration loan-backed securities	1		34		39		1,430		40		1,464
Municipal securities	—		30		—		159		—		189
Other	—		—		—		15		—		15
Total available-for-sale	2		150		106		6,745		108		6,895
Total investment securities	$	2	$	163	$	108	$	7,020	$	110	$	7,183

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	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 June 30, 2019 and December 31, 2018, respectively, 284 and 606 HTM and 1,182 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 six 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 June 30, 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 June 30,								Six Months Ended June 30,
	2019				2018				2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses
Other noninterest-bearing investments	$	1	$	4	$	4	$	3	$	5	$	7	$	6	$	5
Net gains (losses) 1			$	(3)			$	1			$	(2)			$	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 June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	3	$	3	$	6
Available-for-sale	81		6		87		70		7		77
Trading	—		2		2		—		2		2
Total securities	$	83	$	12	$	95	$	73	$	12	$	85

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	Six Months Ended June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	4	$	8	$	12	$	5	$	7	$	12
Available-for-sale	164		12		176		142		13		155
Trading	—		3		3		—		3		3
Total	$	168	$	23	$	191	$	147	$	23	$	170

Investment securities with a carrying value of $2.1 billion at June 30, 2019 and $2.6 billion at December 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.

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)	June 30, 2019		December 31, 2018
Loans held for sale	$	105	$	93
Commercial:
Commercial and industrial	$	14,883	$	14,513
Leasing	337		327
Owner-occupied	7,828		7,661
Municipal	2,059		1,661
Total commercial	25,107		24,162
Commercial real estate:
Construction and land development	2,609		2,186
Term	9,218		8,939
Total commercial real estate	11,827		11,125
Consumer:
Home equity credit line	2,929		2,937
1-4 family residential	7,440		7,176
Construction and other consumer real estate	644		643
Bankcard and other revolving plans	502		491
Other	168		180
Total consumer	11,683		11,427
Total loans 1	$	48,617	$	46,714

¹Loans are presented net of unearned income, unamortized purchase premiums and discounts, and net deferred loan fees and costs totaling $52 million and $50 million at June 30, 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 $210 million at June 30, 2019 and $237 million at December 31, 2018.

Loans with a carrying value of approximately $23.3 billion at June 30, 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 $132 million and $250 million for the three and six months ended June 30, 2019 and $206 million and $312 million for the three and six months ended June 30, 2018, respectively, that were classified as

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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 were $170 million and $263 million for the three and six months ended June 30, 2019 and $235 million and $400 million for the three and six months ended June 30, 2018, 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 June 30, 2019 and December 31, 2018. Income from loans sold, excluding servicing, was $3 million and $5 million for the six months ended June 30, 2019 and $4 million and $7 million for the three and six months ended June 30, 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 June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	328	$	113	$	56	$	497
Provision for loan losses	23		1		(4)		20
Deductions:
Gross loan and lease charge-offs	19		—		4		23
Recoveries	6		—		3		9
Net loan and lease charge-offs (recoveries)	13		—		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	42	$	17	$	—	$	59
Provision for unfunded lending commitments	(1)		2		—		1
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

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	Six Months Ended June 30, 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	22		2		(2)		22
Deductions:
Gross loan and lease charge-offs	27		1		7		35
Recoveries	12		3		6		21
Net loan and lease charge-offs (recoveries)	15		(2)		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	17	$	—	$	57
Provision for unfunded lending commitments	1		2		—		3
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

	Three Months Ended June 30, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	329	$	104	$	40	$	473
Provision for loan losses	(18)		15		8		5
Gross loan and lease charge-offs	10		—		3		13
Recoveries	20		3		2		25
Net loan and lease charge-offs (recoveries)	(10)		(3)		1		(12)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	11	$	—	$	51
Provision for unfunded lending commitments	3		4		—		7
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	Six Months Ended June 30, 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	(58)		14		9		(35)
Gross loan and lease charge-offs	30		—		9		39
Recoveries	38		5		3		46
Net loan and lease charge-offs (recoveries)	(8)		(5)		6		(7)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	48	$	10	$	—	$	58
Provision for unfunded lending commitments	(5)		5		—		—
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:

	June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	11	$	1	$	2	$	14
Collectively evaluated for impairment	327		113		49		489
Total	$	338	$	114	$	51	$	503
Outstanding loan balances:
Individually evaluated for impairment	$	168	$	48	$	69	$	285
Collectively evaluated for impairment	24,939		11,779		11,614		48,332
Total	$	25,107	$	11,827	$	11,683	$	48,617

	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)	June 30, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	85	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	156		152
Commercial real estate:
Construction and land development	1		—
Term	31		38
Total commercial real estate	32		38
Consumer:
Home equity credit line	12		13
1-4 family residential	44		42
Construction and other consumer real estate	4		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	60		56
Total	$	248	$	246

Past due loans (accruing and nonaccruing) are summarized as follows:

	June 30, 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	$	105	$	—	$	—	$	—	$	105	$	—	$	—
Commercial:
Commercial and industrial	$	14,820	$	37	$	26	$	63	$	14,883	$	4	$	53
Leasing	337		—		—		—		337		—		1
Owner-occupied	7,771		32		25		57		7,828		6		47
Municipal	2,058		—		1		1		2,059		—		—
Total commercial	24,986		69		52		121		25,107		10		101
Commercial real estate:
Construction and land development	2,580		23		6		29		2,609		5		—
Term	9,202		10		6		16		9,218		—		24
Total commercial real estate	11,782		33		12		45		11,827		5		24
Consumer:
Home equity credit line	2,919		6		4		10		2,929		—		6
1-4 family residential	7,411		8		21		29		7,440		—		17
Construction and other consumer real estate	640		1		3		4		644		—		—
Bankcard and other revolving plans	497		3		2		5		502		2		—
Other	167		1		—		1		168		—		—
Total consumer loans	11,634		19		30		49		11,683		2		23
Total	$	48,402	$	121	$	94	$	215	$	48,617	$	17	$	148

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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:

	June 30, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,247	$	273	$	363	$	—	$	14,883
Leasing	321		11		5		—		337
Owner-occupied	7,524		77		227		—		7,828
Municipal	2,032		—		27		—		2,059
Total commercial	24,124		361		622		—		25,107		$	338
Commercial real estate:
Construction and land development	2,586		16		7		—		2,609
Term	9,111		39		68		—		9,218
Total commercial real estate	11,697		55		75		—		11,827		114
Consumer:
Home equity credit line	2,913		—		16		—		2,929
1-4 family residential	7,391		—		49		—		7,440
Construction and other consumer real estate	639		—		5		—		644
Bankcard and other revolving plans	499		—		3		—		502
Other	168		—		—		—		168
Total consumer loans	11,610		—		73		—		11,683		51
Total	$	47,431	$	416	$	770	$	—	$	48,617	$	503

	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

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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 June 30, 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 and six months ended June 30, 2019 and 2018:

	June 30, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	129	$	36	$	62	$	98	$	10
Owner-occupied	63		44		11		55		1
Municipal	1		1		—		1		—
Total commercial	193		81		73		154		11
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	38		32		2		34		—
Total commercial real estate	38		32		2		34		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	60		29		23		52		2
Construction and other consumer real estate	3		1		2		3		—
Other	—		—		—		—		—
Total consumer loans	78		42		27		69		2
Total	$	309	$	155	$	102	$	257	$	13

	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 June 30, 2019				Six Months Ended June 30, 2019
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	108	$	1	$	96	$	2
Owner-occupied	59		—		60		—
Municipal	1		—		1		—
Total commercial	168		1		157		2
Commercial real estate:
Construction and land development	—		—		—		—
Term	39		—		37		—
Total commercial real estate	39		—		37		—
Consumer:
Home equity credit line	14		—		14		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	3		—		2		—
Other	—		—		—		—
Total consumer loans	72		—		71		—
Total	$	279	$	1	$	265	$	2

	Three Months Ended June 30, 2018				Six Months Ended June 30, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	138	$	—	$	126	$	—
Owner-occupied	54		—		55		8
Municipal	1		—		1		—
Total commercial	193		—		182		8
Commercial real estate:
Construction and land development	5		—		5		—
Term	58		—		53		—
Total commercial real estate	63		—		58		—
Consumer:
Home equity credit line	15		—		14		—
1-4 family residential	57		—		55		—
Construction and other consumer real estate	2		—		1		—
Other	—		—		—		—
Total consumer loans	74		—		70		—
Total	$	330	$	—	$	310	$	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:

	June 30, 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	$	9	$	29
Owner-occupied	4		1		—		—		3		6		14
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		15		43
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		4		8
Total commercial real estate	1		2		—		1		—		4		8
Consumer:
Home equity credit line	—		2		7		—		—		3		12
1-4 family residential	1		1		6		—		1		24		33
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		4		13		—		1		27		46
Total accruing	8		11		13		1		18		46		97
Nonaccruing
Commercial:
Commercial and industrial	1		5		—		1		1		26		34
Owner-occupied	6		1		—		—		1		6		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		1		2		33		49
Commercial real estate:
Term	3		—		—		2		3		11		19
Total commercial real estate	3		—		—		2		3		11		19
Consumer:
Home equity credit line	—		—		1		—		—		1		2
1-4 family residential	—		—		1		1		1		6		9
Total consumer loans	—		—		2		1		1		7		11
Total nonaccruing	10		6		2		4		6		51		79
Total	$	18	$	17	$	15	$	5	$	24	$	97	$	176

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 $12 million and $11 million at June 30, 2019 and December 31, 2018, respectively.

The total recorded investment of all TDRs in which interest rates were modified below market was $84 million at June 30, 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 and six months ended June 30, 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 June 30, 2019						Six Months Ended June 30, 2019
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	6	$	6
Owner-occupied	—		—		—		—		—		—
Total commercial	—		3		3		—		6		6
Commercial real estate:
Term	—		—		—		—		1		1
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	4	$	4	$	—	$	8	$	8

	Three Months Ended June 30, 2018						Six Months Ended June 30, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	5	$	5	$	—	$	5	$	5
Owner-occupied	—		—		—		—		1		1
Total commercial	—		5		5		—		6		6
Commercial real estate:
Term	—		2		2		—		2		2
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	8	$	8	$	—	$	9	$	9

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2019 and 2018 were $69 million and $73 million, respectively.

At June 30, 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 $8 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.

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Fair Value Hedges – As of June 30, 2019, the Bank had $1 billion of interest rate swaps designated 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 converting the interest on our fixed-rate debt to floating. These hedges are designated as fair values 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 received fixed-rate, or strike 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 3.425% for our two existing fair value hedges which continued to be highly effective and meet all other requirements to remain designated and part of a qualifying hedge accounting relationship of the balance sheet date.

The Bank has no remaining debt basis adjustments from previously designed fair value hedges 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 – As of June 30, 2019, the Bank had $1.7 billion of interest rate swaps and $3.5 billion of interest rate floors designated as cash flow hedges of pools of floating-rate commercial loans. The bank had 24 active interest rate swaps as of June 30, 2019 with a weighted-average maturity of approximately 2.8 years, compared with 2.7 years at March 31, 2019, and a weighted average received-fixed strike rate of 2.1%. During the second quarter of 2019, two of these receive-fixed interest rate swaps matured, each had a notional amount of $75 million. An additional three swaps will mature by year end, and seven total swaps maturing by the end of the second quarter of 2020. During the quarter, the Bank continued to expand its protection against its exposure to potential net interest income and margin compression in a down interest rate environment by expanding its cash flow hedge portfolio by adding four receive-fixed swaps with individual notional amounts of $100 million each (aggregate notional of $400 million). The four additional swaps added to the Bank's cash flow hedge portfolio have maturities ranging from three to five years in tenor.

During the first quarter of 2019 the Bank expanded its cash flow hedging program to include purchased floors. The Bank added one additional floor during the second quarter of 2019 with a $500 million notional and a strike rate of 1.5% and a term of approximately 3 years, consistent with the terms of the rest of the cash flow hedge floor portfolio. The additional floor increased the total floor notional to $3.5 billion, which is comprised of seven floors, each with a notional amount of $500 million, a strike rate of 1.5%, and an approximate life of 3 years. The floor added in the second quarter was purchased for $1.4 million making the aggregate purchase price of all seven floors purchased in the six months ended June 30, 2019 approximately $8 million. As of June 30, 2019, the fair value of the floors increased $15 million to $26 million as a result of the change in the LIBOR swap rate during the quarter.

Shortly after the end of the second quarter, the Bank modified all of its floors to reduce the strike rate to 1% while doubling the notional amount from $3.5 billion to $7.0 billion. The modification did not result in any additional costs to the Bank. While the accounting is being finalized at the time of this filing, it is expected that there will be no significant changes to the periodic impact on interest income from the premium amortization or any other accounting changes of note.

During the second quarter of 2019 the cash flow hedge swap portfolio increased in value by $26 million, which was recognized in AOCI. The fair value hedge swap portfolio increased in value by $12 million which was offset by the change in fair value of the hedged debt, resulting in no direct earnings impact.

For the cash flow hedges, changes in fair value remain deferred in AOCI as long as the hedging relationship remains highly effective and qualifies for hedge accounting. Amounts deferred in AOCI are reclassified into earning in the periods in which the hedged forecasted transactions effect earnings. The premium on the purchased floors is deferred in AOCI and amortized using straight-line over the life of the hedges with the offsetting entry to the AOCI release being recorded as a reduction in interest income.

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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 June 30, 2019, the fair value of our derivative liabilities was $155 million, for which we were required to pledge cash collateral of approximately $64 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 June 30, 2019, there would likely be no 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 June 30, 2019 and December 31, 2018, and the related gain (loss) of derivative instruments for the three and six months ended June 30, 2019 and 2018 is summarized as follows:

	June 30, 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	$	3,500	$	26	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,663		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	6,163		26		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives 1, 2	3,410		138		3		2,826		37		33
Offsetting interest rate derivatives 2	3,451		3		149		2,826		33		40
Other interest rate derivatives	570		2		1		300		1		1
Foreign exchange derivatives	366		3		2		389		4		2
Total derivatives not designated as hedging instruments	7,797		146		155		6,341		75		76
Total derivatives	$	13,960	$	172	$	155	$	7,528	$	75	$	76

¹ Customer-facing interest rate derivatives in an asset position include an $11 million and $3 million credit valuation adjustment reducing the fair value as of June 30, 2019 and December 31, 2018, respectively.

² The fair value amounts for these derivatives do not include the settlement amounts for those trades that are cleared. Once the settlement amounts with the clearing houses are included the derivative fair values would be the following:

	June 30, 2019				December 31, 2018
(In millions)	Other assets		Other liabilities		Other assets		Other liabilities
Customer-facing interest rate derivatives	$	136	$	3	$	7	$	33
Offsetting interest rate derivatives	3		8		33		3

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	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	15	$	(1)	$	—	$	—
Interest rate swaps	24		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	26		15		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							86
Offsetting interest rate derivatives							(85)
Other interest rate derivatives							(1)
Foreign exchange derivatives							6
Total derivatives not designated as hedging instruments							6
Total derivatives	$	26	$	15	$	(2)	$	6	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	18	$	(1)	$	—	$	—
Interest rate swaps	33		—		(3)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	35		18		(4)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							132
Offsetting interest rate derivatives							(130)
Other interest rate derivatives							(1)
Foreign exchange derivatives							11
Total derivatives not designated as hedging instruments							12
Total derivatives	$	35	$	18	$	(4)	$	12	$	—

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	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(2)		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(2)		—		(1)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(14)
Offsetting interest rate derivatives							18
Other interest rate derivatives							—
Foreign exchange derivatives							5
Total derivatives not designated as hedging instruments							9
Total derivatives	$	(2)	$	—	$	(1)	$	9	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(7)		—		(2)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(7)		—		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(43)
Offsetting interest rate derivatives							57
Other interest rate derivatives							—
Foreign exchange derivatives							10
Total derivatives not designated as hedging instruments							24
Total derivatives	$	(7)	$	—	$	(2)	$	24	$	—

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 June 30, 2019, we estimate that $2 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 June 30, 2019						Three Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	12	$	(12)	$	—	$	—	$	—	$	—

	Gain/(loss) recorded in income
	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	18	$	(18)	$	—	$	—	$	—	$	—

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 derivatives 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)	June 30, 2019		December 31, 2018		June 30, 2019		December 31, 2018
Long-term debt	$	(1,022)	$	(505)	$	(22)	$	(5)

The fair value of derivative assets was reduced by a net credit valuation adjustment of $11 million and $1 million at June 30, 2019 and 2018, respectfully. The adjustment for derivative liabilities was zero at June 30, 2019 and a decrease of less than $2 million at June 30, 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 ROU assets and lease liabilities on the balance sheet. Most prominent among the changes in the standard is the recognition of 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 there was no impact to retained earnings from recognizing 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.

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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 June 30, 2019, we had 432 branches, of which 277 are owned and 155 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 we have 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 June 30, 2019, assets recorded under operating leases were $232 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 and liabilities, their weighted average remaining life, and the weighted average discount rate.

(Dollar amounts in millions)	June 30, 2019
Operating assets and liabilities
Operating right-of-use assets, net of amortization	$	232
Operating lease liabilities	251
Weighted average remaining lease term (years)
Operating leases	9.3
Finance leases	0.9
Weighted average discount rate
Operating leases	3.2		%
Finance leases	12.6		%

The components of lease expense are as follows:

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Operating lease costs	$	12	$	24
Variable lease costs	13		26
Total lease cost	$	25	$	50

Supplemental cash flow information related to leases is as follows:

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	12	$	24

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Maturities analysis for lease liabilities as of June 30, 2019 is as follows (undiscounted lease payments):

(In millions)
2019 1	$	32
2020	47
2021	42
2022	37
2023	31
Thereafter	116
Total	$	305

¹ Contractual maturities for the six 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 $3 million for both the second quarters of 2019 and 2018, and $6 million and $5 million for the first six months of 2019 and 2018.

The Bank also has a lending division that makes equipment leases, considered to be sales-type leases or direct financing leases, totaling $337 million and $358 million as of June 30, 2019 and 2018, respectively. The Bank uses leasing of equipment as a venue for customers to access equipment without purchasing upfront. The Bank recorded income of $3 million on these leases for both the second quarters of 2019 and 2018, and $7 million for both the first six months of 2019 and 2018.

9. LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY

Long-Term Debt

Long-term debt is summarized as follows:

(In millions)	June 30, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,149		637
Total	$	1,236	$	724

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount, unamortized debt issuance costs, and valuation adjustments for fair value swaps. During the first six months 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

The Bank’s common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. As of June 30, 2019, there were 176.9 million shares of 0.001 par value common stock outstanding. As of June 30, 2019, 29.3 million common stock warrants (NASDAQ: ZIONW), with an exercise price of $34.41, were outstanding, and each common stock warrant was convertible into 1.06 shares. These warrants expire on May 22, 2020.

Common stock and additional paid-in capital was $3.3 billion at June 30, 2019, and decreased $535 million, or 14%, from December 31, 2018, primarily due to Bank common stock repurchases. During the second quarter of 2019, we continued our common stock buyback program and repurchased 5.8 million shares of common stock outstanding with a fair value of $275 million at an average price of $47.05 per share. During the first six months of 2019 we repurchased 11.3 million shares of common stock outstanding with a fair value of $550 million, at an average price of $48.50 per share compared to 4.3 million shares with a fair value of $235 million at an average

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price of $54.64 per share for the first six months of 2018. In July 2019, the Bank announced that the Board approved a plan to repurchase $275 million of common stock during the third quarter of 2019.

Accumulated Other Comprehensive Income

Accumulated other comprehensive income (loss) was $25 million at June 30, 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
Six Months Ended June 30, 2019
Balance at December 31, 2018	$	(228)	$	(1)	$	(21)	$	(250)
OCI before reclassifications, net of tax	237		36		—		273
Amounts reclassified from AOCI, net of tax	—		2		—		2
OCI	237		38		—		275
Balance at June 30, 2019	$	9	$	37	$	(21)	$	25
Income tax expense included in OCI	$	78	$	12	$	—	$	90
Six Months Ended June 30, 2018
Balance at December 31, 2017	$	(114)	$	(2)	$	(23)	$	(139)
OCI (loss) before reclassifications, net of tax	(175)		(2)		—		(177)
Amounts reclassified from AOCI, net of tax	—		1		—		1
OCI (loss)	(175)		(1)		—		(176)
Balance at June 30, 2018	$	(289)	$	(3)	$	(23)	$	(315)
Income tax benefit included in OCI	$	(58)	$	—	$	—	$	(58)

	Amounts reclassified from AOCI 1				Amounts reclassified from AOCI 1				Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
Details about AOCI components	2019		2018		2019		2018			Affected line item
Net unrealized losses on derivative instruments	$	(2)	$	(1)	$	(4)	$	(2)	SI	Interest and fees on loans
Income tax benefit	(1)		—		(2)		(1)
Amounts Reclassified from AOCI	(1)		(1)		(2)		(1)

¹ Negative reclassification amounts indicate decreases to earnings in the statement of income.

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)	June 30, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	22,529	$	21,454
Standby letters of credit:
Financial	527		655
Performance	189		199
Commercial letters of credit	19		18
Total unfunded lending commitments	$	23,264	$	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 June 30, 2019, the Bank had recorded

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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 June 30, 2019, we were subject to the following material litigation or governmental inquiries:

•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. Mediation sessions were held in the second quarter of 2019. No trial date has been set.

•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. Trial is scheduled for February 2020.

•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 with the Court of Appeals reversing the trial court's dismissal. It is likely that trial will not occur for a substantial period of time.

•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. Trial has not been scheduled.

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•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. Trial has not been scheduled in either case.

•a civil class action lawsuit, Gregory, et. al. v. Zions Bancorporation, brought against us in the United States District Court in Utah in January 2019. This case was 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 case follows 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. The matter is in the early motion practice state and initial phase discovery has commenced. During the second quarter of 2019, we filed a motion to dismiss. Trial has not been scheduled. A related case, North Valley Partners et. al. vs. Zions Bancorporation, brought against us by a group of investors in Rust Rare Coin, was dismissed without prejudice in the second quarter of 2019 with those plaintiffs opting for now to participate in the Gregory class.

•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 was resolved in the second quarter of 2019. The case related to deposit customers who were promoters of an investment program that allegedly misappropriated investors' funds.

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 June 30, 2019, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $45 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

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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 second 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 and six months ended June 30, 2019:

	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2019		2018		2019		2018
Card fee income	$	36	$	34	$	69	$	67
ATM fees	2		3		4		5
Other service charges	3		4		7		7
Other commissions and fees	4		5		8		10
Total	$	45	$	46	$	88	$	89

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 non-bank 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 ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	14	$	15	$	11	$	11	$	7	$	7
Other service charges, commissions, and fees	18		18		9		9		7		6
Wealth management and trust income	4		4		3		3		1		1
Capital markets and foreign exchange	2		1		(2)		(1)		1		1
Total noninterest income from contracts with customers (ASC 606)	38		38		21		22		16		15
Other noninterest income (Non-ASC 606 customer related)	1		—		13		9		6		4
Total customer-related fees	39		38		34		31		22		19
Other noninterest income (non-customer related)	—		—		—		—		—		—
Total noninterest income	39		38		34		31		22		19
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	179		176		132		127		140		131
Total income less interest expense	$	218	$	214	$	166	$	158	$	162	$	150

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	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		3		3		3		2		2
Wealth management and trust income	—		—		1		1		—		—
Capital markets and foreign exchange	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	6		6		8		8		4		4
Other noninterest income (Non-ASC 606 customer related)	4		3		3		2		2		2
Total customer-related fees	10		9		11		10		6		6
Other noninterest income (non-customer related)	1		1		—		—		—		—
Total noninterest income	11		10		11		10		6		6
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	62		58		40		38		36		34
Total income less interest expense	$	73	$	68	$	51	$	48	$	42	$	40
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	—	$	—	$	—	$	—	$	41	$	42
Other service charges, commissions, and fees	1		1		3		4		46		46
Wealth management and trust income	—		—		4		4		13		13
Capital markets and foreign exchange	—		—		1		2		2		3
Total noninterest income from contracts with customers (ASC 606)	1		1		8		10		102		104
Other noninterest income (Non-ASC 606 customer related)	—		—		(1)		1		28		21
Total customer-related fees	1		1		7		11		130		125
Other noninterest income (non-customer related)	—		—		1		12		2		13
Total noninterest income	1		1		8		23		132		138
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	14		12		(34)		(28)		569		548
Total income less interest expense	$	15	$	13	$	(26)	$	(5)	$	701	$	686

The following schedule sets forth the noninterest income and net revenue by operating segments for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	27	$	29	$	22	$	22	$	14	$	14
Other service charges, commissions, and fees	36		35		18		19		13		12
Wealth management and trust income	8		7		5		5		2		2
Capital markets and foreign exchange	3		3		(3)		(3)		2		2
Other noninterest income from contracts with customers	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	74		74		42		43		31		30
Other noninterest income (Non-ASC 606 customer related)	(2)		(1)		26		21		10		8
Total customer-related fees	72		73		68		64		41		38
Other noninterest income (non-customer related)	—		—		—		—		—		2
Total noninterest income	72		73		68		64		41		40
Other real estate owned gain from sale	1		—		—		—		—		—
Net interest income	358		342		263		254		278		262
Total income less interest expense	$	431	$	415	$	331	$	318	$	319	$	302

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	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	6	$	6	$	7	$	8	$	4	$	4
Other service charges, commissions, and fees	6		6		6		6		3		3
Wealth management and trust income	1		1		2		2		1		1
Capital markets and foreign exchange	—		—		1		—		—		—
Other noninterest income from contracts with customers	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	13		13		16		16		8		8
Other noninterest income (Non-ASC 606 customer related)	6		4		5		4		4		4
Total customer-related fees	19		17		21		20		12		12
Other noninterest income (non-customer related)	2		2		—		—		—		—
Total noninterest income	21		19		21		20		12		12
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	122		111		80		73		72		66
Total income less interest expense	$	143	$	130	$	101	$	93	$	84	$	78
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	1	$	1	$	—	$	—	$	81	$	84
Other service charges, commissions, and fees	1		1		5		7		88		89
Wealth management and trust income	—		—		7		7		26		25
Capital markets and foreign exchange	—		—		2		4		5		6
Other noninterest income from contracts with customers	—		—		1		1		1		1
Total noninterest income from contracts with customers (ASC 606)	2		2		15		19		201		205
Other noninterest income (Non-ASC 606 customer related)	—		1		—		1		49		42
Total customer-related fees	2		3		15		20		250		247
Other noninterest income (non-customer related)	—		—		12		25		14		29
Total noninterest income	2		3		27		45		264		276
Other real estate owned gain from sale	—		—		1		1		2		1
Net interest income	28		24		(56)		(42)		1,145		1,090
Total income less interest expense	$	30	$	27	$	(28)	$	4	$	1,411	$	1,367

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.

12. RETIREMENT PLANS

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

(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Interest cost	$	1	$	1	$	3	$	3
Expected return on plan assets	(2)		(3)		(4)		(6)
Partial settlement loss	—		—		—		1
Amortization of net actuarial loss	1		1		1		1
Net periodic cost (benefit)	$	—	$	(1)	$	—	$	(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 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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ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

13. INCOME TAXES

The effective income tax rate of 22.7% for the second quarter of 2019 was higher than the 2018 second quarter rate of 22.1%. The effective tax rate for both year-to-date periods was 22.5%. 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 $36 million at June 30, 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 other comprehensive income ("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.

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 June 30,				Six Months Ended June 30,
(In millions, except shares and per share amounts)	2019		2018		2019		2018
Basic:
Net income	$	198	$	197	$	411	$	435
Less common and preferred dividends	63		57		127		104
Undistributed earnings	135		140		284		331
Less undistributed earnings applicable to nonvested shares	1		1		2		3
Undistributed earnings applicable to common shares	134		139		282		328
Distributed earnings applicable to common shares	54		47		110		86
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Net earnings per common share	$	1.05	$	0.95	$	2.15	$	2.11
Diluted:
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Dilutive effect of common stock warrants (in thousands)	9,318		12,640		9,587		12,627
Dilutive effect of stock options (in thousands)	624		1,024		673		1,083
Weighted average diluted common shares outstanding (in thousands)	189,098		209,247		192,206		209,859
Net earnings per common share	$	0.99	$	0.89	$	2.04	$	1.97

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

	Three Months Ended June 30,		Six Months Ended June 30,
(In thousands)	2019	2018	2019	2018
Restricted stock and restricted stock units	1,446	1,709	1,435	1,733
Stock options	492	194	411	120

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

76

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

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 June 30, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 87 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 two branches in Washington and one branch in Oregon.

The operating segment identified as “Other” includes certain non-bank 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 June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	179	$	176	$	132	$	127	$	140	$	131
Provision for credit losses	16		5		(8)		(6)		9		2
Net interest income after provision for loan losses	163		171		140		133		131		129
Noninterest income	39		38		34		31		22		19
Noninterest expense	120		117		86		86		82		76
Income (loss) before income taxes	$	82	$	92	$	88	$	78	$	71	$	72
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,067	$	12,633	$	12,254	$	11,387	$	10,838	$	9,908
Total average deposits	15,455		15,346		11,361		11,060		11,412		11,181

77

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	62	$	58	$	40	$	38	$	36	$	34
Provision for credit losses	2		7		—		—		1		2
Net interest income after provision for loan losses	60		51		40		38		35		32
Noninterest income	11		10		11		10		6		6
Noninterest expense	38		38		37		36		27		25
Income (loss) before income taxes	$	33	$	23	$	14	$	12	$	14	$	13
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,847	$	4,640	$	2,570	$	2,349	$	3,105	$	2,881
Total average deposits	5,048		4,942		4,406		4,314		2,811		2,784
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	12	$	(34)	$	(28)	$	569	$	548
Provision for credit losses	2		1		(1)		1		21		12
Net interest income after provision for loan losses	12		11		(33)		(29)		548		536
Noninterest income	1		1		8		23		132		138
Noninterest expense	5		5		29		38		424		421
Income (loss) before income taxes	$	8	$	7	$	(54)	$	(44)	$	256	$	253
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,203	$	1,117	$	440	$	327	$	48,324	$	45,242
Total average deposits	1,053		1,048		2,801		2,221		54,347		52,896

The following schedule presents selected operating segment information for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	358	$	342	$	263	$	254	$	278	$	262
Provision for loan losses	26		3		(23)		(59)		12		5
Net interest income after provision for loan losses	332		339		286		313		266		257
Noninterest income	72		73		68		64		41		40
Noninterest expense	237		231		174		173		164		154
Income (loss) before income taxes	$	167	$	181	$	180	$	204	$	143	$	143
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,004	$	12,543	$	12,058	$	11,379	$	10,707	$	9,919
Total average deposits	15,490		15,211		11,401		10,938		11,328		11,150
	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	122	$	111	$	80	$	73	$	72	$	66
Provision for credit losses	4		9		(1)		—		5		5
Net interest income after provision for loan losses	118		102		81		73		67		61
Noninterest income	21		19		21		20		12		12
Noninterest expense	78		75		73		72		54		52
Income (loss) before income taxes	$	61	$	46	$	29	$	21	$	25	$	21
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,798	$	4,591	$	2,535	$	2,349	$	3,080	$	2,837
Total average deposits	4,972		4,863		4,368		4,269		2,816		2,748

78

ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES

	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	28	$	24	$	(56)	$	(42)	$	1,145	$	1,090
Provision for credit losses	2		2		—		—		25		(35)
Net interest income after provision for loan losses	26		22		(56)		(42)		1,120		1,125
Noninterest income	2		3		27		45		264		276
Noninterest expense	11		11		63		72		854		840
Income (loss) before income taxes	$	17	$	14	$	(92)	$	(69)	$	530	$	561
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,156	$	1,135	$	412	$	301	$	47,750	$	45,054
Total average deposits	1,064		1,060		2,694		2,208		54,133		52,447

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 June 30, 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 June 30, 2019. There were no changes in the Bank’s internal control over financial reporting during the second 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 1.A 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.

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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 second 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 (in millions)
April		461,768	$	49.38		461,000		$	252
May		5,395,284	46.86			5,383,746		—
June		—	—			—		—
Second quarter		5,857,052	47.05			5,844,746

¹ Represents common shares acquired under previously reported share repurchase plans and common shares acquired from employees in connection with our stock compensation plan. 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.	*
10.1	Third Amendment to the Zions Bancorporation Payshelter 401(k) and Employee Stock Ownership Plan, dated June 27, 2019, effective September 30, 2018 (filed herewith).
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	Pursuant to Rules 405 and 406 of Regulation S-T, the following information is formatted in iXBRL (Inline eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets as of June 30, 2019 and December 31, 2018, (ii) the Consolidated Statements of Income for the three months ended June 30, 2019 and June 30, 2018 and the six months ended June 30, 2019 and June 30, 2018, (iii) the Consolidated Statements of Comprehensive Income for the three months ended June 30, 2019 and June 30, 2018 and the six months ended June 30, 2019 and June 30, 2018, (iv) the Consolidated Statements of Changes in Shareholders’ Equity for the three months ended June 30, 2019 and June 30, 2018 and the six months ended June 30, 2019 and June 30, 2018, (v) the Consolidated Statements of Cash Flows for the six months ended June 30, 2019 and June 30, 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.

80

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: August 6, 2019

81

EX-10.1

EXHIBIT 10.1

THIRD AMENDMENT

TO THE ZIONS BANCORPORATION PAYSHELTER 401(k) AND EMPLOYEE STOCK OWNERSHIP PLAN

(As restated effective January 1, 2007 - Changing

Plan Sponsor and Plan Name)

THIS THIRD AMENDMENT to the Zions Bancorporation Payshelter 401(k) and Employee Stock Ownership Plan (“Plan”), as amended and restated effective January 1, 2007, is made and entered into by the Zions Bancorporation, N.A. Benefits Committee (“Committee”) on behalf of Zions Bancorporation, N.A.

WITNESSETH:

WHEREAS, Zions Bancorporation has previously established the Plan, which Plan has been most recently amended and restated in its entirety effective as of January 1, 2007, and for all plan years thereafter; and

WHEREAS, effective as of September 30, 2018, Zions Bancorporation and all authority, responsibility and obligations of Zions Bancorporation with respect to the Plan have been transferred to, merged into and assumed by ZB, NA, which as of the same date has been renamed Zions Bancorporation, N.A. (sometimes hereafter: “Employer”); and

WHEREAS, the Plan reserves in the Employer the right to amend the Plan in whole or in part; and

WHEREAS, the Board of Directors of Zions Bancorporation previously established a Benefits Committee (“Committee”) and authorized and empowered the Committee to adopt amendments or changes to the Plan which will not create or result in a significant increase in the cost to Zions Bancorporation or any subsidiary thereof maintaining or operating the Plan or have a material, substantive effect on the rights or obligations of Zions Bancorporation or any subsidiary thereof with respect to the Plan; and

WHEREAS, effective as of September 30, 2018, along with the transfer of all authority, responsibility and obligations of Zions Bancorporation with respect to the Plan to ZB, NA, (now Zions Bancorporation, N.A.) the same authority and power of the Committee to act on behalf of Zions Bancorporation has been transferred to the Committee to act on behalf of the Employer; and

WHEREAS, the Committee, for and on behalf of the Employer and consistent with the power and authority granted to it, now desires to amend the Plan in order to reflect in all Plan provisions the merger that occurred effective September 30, 2018, whereby Zions Bancorporation merged into ZB, N.A., creating Zions Bancorporation N.A.

EXHIBIT 10.1

NOW THEREFORE, in consideration of the above premises, the Committee, for and on behalf of the Employer, adopts the following amendments to the Plan (amended language is marked in bold italics):

1.Section 1.2 of the Plan is amended to add the following at the end thereof:

Effective September 30, 2018, Zions Bancorporation and all authority, responsibility and obligations of Zions Bancorporation with respect to the Plan have been transferred to, merged into and assumed by ZB, NA, which as of the same date has been renamed Zions Bancorporation, N.A.

        2. Section 2.49 of the Plan is amended to read as follows:

2.49 “Plan” shall mean the Plan as stated herein and as may be amended from time to time, denominated the “Zions Bancorporation Payshelter 401(k) and Employee Stock Ownership Plan.” The Employer intends the Plan to satisfy the requirements of Code Section 401(k) and to be an employee stock ownership plan within the meaning of Code § 4975(e)(7), for all purposes of the Code. Effective September 30, 2018, the Plan shall be denominated as the “Zions Bancorporation, N.A. Payshelter 401(k) and Employee Stock Ownership Plan.”

3. Section 2.50 of the Plan is amended to read as follows:

2.50 “Plan Sponsor” shall mean Zions Bancorporation. Effective September 30, 2018, the Plan Sponsor shall be Zions Bancorporation, N.A.

4. Section 2.57 of the Plan is amended in its entirety, to read as follows:

2.57 “Trust” shall mean the Trust originally created in connection with the Plan, previously named effective January 1, 2002, the Zions Bancorporation Payshelter 401(k) Plan Trust. As of the Effective Date the Trust is designated as the “Zions Bancorporation Payshelter, 401(k) and Employee Stock Ownership Plan Trust.” Effective September 30, 2018, the Trust is designated as the Zions Bancorporation, N.A. Payshelter 401(k) and Employee Stock Ownership Plan Trust.

5. The Plan is amended generally by replacing all references in the Title and Signature pages to “Zions Bancorporation” with “Zions Bancorporation, N.A.” All other provisions of the Plan not specifically amended by the preceding paragraphs of this Third Amendment are amended effective September 30, 2018, to reference Zions Bancorporation, N.A. in lieu of Zions Bancorporation, unless the context of any provision clearly indicates that such an amendment is either unnecessary or inappropriate.

EXHIBIT 10.1

        6. All of the foregoing amendments shall be effective as of September 30, 2018, unless another date is specified therein. In all other respects the plan is ratified and approved.

IN WITNESS THEREOF, the Zions Bancorporation, N.A. Benefits Committee by its authorized representative has caused this Third Amendment to the Plan to be duly executed, this _27_ day of June, 2019.

ZIONS BANCORPORATION, N.A. BENEFITS COMMITTEE

By: _/s/ Scott A. Law_______________________________

Name: _Scott A. Law_______________________________

Title: _EVP & CHRO________________________________

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: August 6, 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: August 6, 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 June 30, 2019 (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: August 6, 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.

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	Jun. 30, 2019	Jul. 31, 2019
Document Information [Line Items]
Entity Address, City or Town	Salt Lake City,
Document Type	10-Q
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Document Fiscal Period Focus	Q2
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Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		176,962,996
Entity Emerging Growth Company	false
Entity Small Business	false
Entity File Number	001-12307
Entity Shell Company	false
Entity Current Reporting Status	Yes
Entity Tax Identification Number	87-0189025
City Area Code	801
Local Phone Number	844-7637
Entity Address, Address Line One	One South Main
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
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Entity Incorporation, State or Country Code	X1
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Common Stock [Member] | NASDAQ - ALL MARKETS [Member]
Document Information [Line Items]
Trading Symbol	ZION
Title of 12(b) Security	Common Stock, par value $0.001
Security Exchange Name	NASDAQ
Warrant [Member] | NASDAQ - ALL MARKETS [Member]
Document Information [Line Items]
Trading Symbol	ZIONW
Title of 12(b) Security	Warrants to Purchase Common Stock (expiring May 22, 2020)
Security Exchange Name	NASDAQ
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock [Member] | NEW YORK STOCK EXCHANGE, INC. [Member]
Document Information [Line Items]
Trading Symbol	ZB/A
Title of 12(b) Security	Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Security Exchange Name	NYSE
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock [Member] | NEW YORK STOCK EXCHANGE, INC. [Member]
Document Information [Line Items]
Trading Symbol	ZB/G
Title of 12(b) Security	Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Security Exchange Name	NYSE
Series H 5.75% Non-Cumulative Perpetual Preferred Stock [Member] | NEW YORK STOCK EXCHANGE, INC. [Member]
Document Information [Line Items]
Trading Symbol	ZB/H
Title of 12(b) Security	Series H 5.75% Non-Cumulative Perpetual Preferred Stock
Security Exchange Name	NYSE
Fixed-to-Floating Rate Subordinated Notes [Member] | NEW YORK STOCK EXCHANGE, INC. [Member]
Document Information [Line Items]
Trading Symbol	ZBK
Title of 12(b) Security	6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Security Exchange Name	NYSE

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Consolidated Balance Sheets - USD ($) shares in Thousands, $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Held-to-maturity, fair value	$ 698
ASSETS
Cash and due from banks	538	$ 614
Money market investments:
Interest-bearing deposits	634	619
Federal funds sold and security resell agreements	620	1,461
Investment securities:
Available-for-sale, at fair value	14,672	14,737
Trading account, at fair value	148	106
Total investment securities	15,515	15,617
Loans held for sale	105	93
Loans held for investment, net of allowance
Loans and leases, net of unearned income and fees	48,617	46,714
Less allowance for loan losses	503	495
Loans held for investment, net of allowance	48,114	46,219
Other noninterest-bearing investments	1,056	1,046
Premises, equipment and software, net	1,133	1,124
Goodwill and intangibles	1,014	1,015
Other real estate owned	5	4
Other assets	1,331	934
Total assets	70,065	68,746
Liabilities and Equity [Abstract]
Noninterest-bearing demand	22,947	23,645
Interest-bearing:
Savings and money market	26,470	26,120
Total deposits	54,332	54,101
Federal funds purchased and other short-term borrowings	6,023	5,653
Long-term Debt	1,236	724
Reserve for unfunded lending commitments	60	57
Other liabilities	815	633
Liabilities	62,466	61,168
Shareholders' equity:
Preferred stock, without par value	566	566
Additional Paid-in Capital	3,271	3,806
Retained earnings	3,737	3,456
Accumulated other comprehensive income (loss)	25	(250)
Stockholders' Equity	7,599	7,578
Total liabilities and shareholders' equity	$ 70,065	$ 68,746
Preferred Stock, Shares Authorized	4,400	4,400
Common Stock, Shares Authorized	350,000	350,000
Common Stock, Shares, Issued	176,935	187,554
Common stock, outstanding shares	176,935	187,554
Fair Value, Inputs, Level 2 [Member]
Investment securities:
Held-to-maturity, at amortized cost	$ 695	$ 774
Trading account, at fair value	130	92
Interest-bearing:
Time	4,915	4,336
Long-term Debt	1,236	724
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Held-to-maturity, fair value	698	767
Interest-bearing:
Time	4,923	4,319
Long-term Debt	$ 1,248	$ 727

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Consolidated Balance Sheets (Parenthetical) - USD ($) shares in Thousands, $ in Millions	Jun. 30, 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	$ 0.001
Common Stock, Shares, Issued	176,935	187,554
Held-to-maturity, fair value	$ 698
Common stock, outstanding shares	176,935	187,554
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Held-to-maturity, fair value	$ 698	$ 767

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Consolidated Statements Of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Interest Income (Expense), Net [Abstract]
Interest and Fees and Loans	$ 581	$ 514	$ 1,151	$ 1,011
Interest on Money Market Investments	8	7	17	13
Interest on Securities	95	85	191	170
Total Interest Income	684	606	1,359	1,194
Interest Expense [Abstract]
Interest on Deposits	66	29	123	48
Interest on short- and long-term borrowings	49	29	91	56
Total Interest Expense	115	58	214	104
Net interest income	569	548	1,145	1,090
Provision for loan losses	20	5	22	(35)
Provision for unfunded lending commitments	1	7	3	0
Provision for Credit Losses	21	12	25	(35)
Net interest income after provision for loan losses	548	536	1,120	1,125
Noninterest income:
Capital Markets and Foreign Exchange Gain (Loss)	9	7	16	15
Other service charges, commissions, and fees	58	55	113	110
Wealth management and trust income	13	14	26	25
Loan Sales and Servicing Income	9	7	14	13
Customer-related Fees	130	125	250	247
Dividends and Other Investment Income	9	11	18	22
Securities Gains, Net	(3)	1	(2)	1
Noninterest Income, Other Operating Income	(4)	1	(2)	6
Noninterest Income	132	138	264	276
Noninterest expense:
Salaries and Employee Benefits	274	266	562	535
Occupancy, Net	32	32	65	63
Furniture, Equipment, and Software, Net	35	32	67	65
Other real estate expense, net	0	0	1	(1)
Credit-Related Expense	8	7	13	13
Professional and Legal Fees	13	14	23	26
Advertising	5	7	11	13
FDIC Premiums	6	14	12	26
Other	51	49	102	98
Total Noninterest Expense	424	421	854	840
Income Before Income Taxes	256	253	530	561
Income taxes	58	56	119	126
Net income	198	197	411	435
Preferred Stock Dividends	(9)	(10)	(17)	(17)
Net Earnings Available to Common Shareholders	$ 189	$ 187	$ 394	$ 418
Weighted average common shares outstanding during the period:
Weighted Average Number of Shares Outstanding, Basic	179,156	195,583	181,946	196,149
Weighted Average Number of Shares Outstanding, Diluted	189,098	209,247	192,206	209,859
Earnings Per Share, Basic	$ 1.05	$ 0.95	$ 2.15	$ 2.11
Earnings Per Share, Diluted	$ 0.99	$ 0.89	$ 2.04	$ 1.97

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Consolidated Statements Of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Net income for the period	$ 198	$ 197	$ 411	$ 435
Other comprehensive income (loss), net of tax:
Unrealized holding gains (losses) on investment securities	116	(50)	237	(175)
Net unrealized gains (losses) on other noninterest-bearing investments	0	2	(3)	3
Net unrealized holding gains (losses) on derivative instruments	31	(2)	39	(5)
Reclassification adjustment for decrease in interest income recognized in earnings on derivatives instruments	1	1	2	1
Other comprehensive income (loss)	148	(49)	275	(176)
Comprehensive income	$ 346	$ 148	$ 686	$ 259

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Consolidated Statements Of Cash Flows - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Statement of Cash Flows [Abstract]
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$ 411	$ 435
Provision for Loan, Lease, and Other Losses	25	(35)
Depreciation, Depletion and Amortization, Nonproduction	93	92
Share-based Payment Arrangement, Noncash Expense	18	18
Deferred Income Tax Expense (Benefit)	3	2
Increase (Decrease) in Debt Securities, Trading, and Equity Securities, FV-NI	42	59
Increase (Decrease) in Loans Held-for-sale	39	34
Increase (Decrease) in Operating Liabilities	(73)	85
Increase (Decrease) in Other Operating Assets	166	52
Other Noncash Income (Expense)	10	14
Net cash provided by (used in) operating activities	220	438
Payments for (Proceeds from) Short-term Investments	(827)	(40)
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	239	114
Payments to Acquire Held-to-maturity Securities	160	222
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	1,345	1,404
Payments to Acquire Available-for-sale Securities	1,028	1,176
Payments for (Proceeds from) Other Loans and Leases	1,877	431
Net change in other noninterest-bearing investments	(5)	(4)
Payments to Acquire Property, Plant, and Equipment	60	54
Payments for (Proceeds from) Other Investing Activities	(4)	0
Net Cash Provided by (Used in) Investing Activities, Total	(715)	(329)
Increase (Decrease) in Deposits	232	965
Proceeds from (Repayments of) Short-term Debt	371	1,181
Repayments of debt over 90 days and up to one year	0	2,000
Proceeds from (Repayments of) Debt	497	0
Proceeds from Issuance of Common Stock	7	17
Payments for Repurchase of Common Stock	551	248
Payments of Dividends	127	104
Proceeds from (Payments for) Other Financing Activities	(10)	0
Net Cash Provided by (Used in) Financing Activities, Total	419	(189)
Net increase (decrease) in cash and due from banks	(76)	(80)
Cash and Due from Banks	538	468
Interest Paid, Including Capitalized Interest, Operating and Investing Activities	199	100
Income Taxes Paid, Net	132	91
Real Estate Owned, Transfer to Real Estate Owned	6	6
Transfer of Portfolio Loans and Leases to Held-for-sale	$ 0	$ 39

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Statement - USD ($) shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Stockholders' Equity	$ 7,599		$ 7,599			$ 7,578
Common stock, outstanding shares	176,935		176,935			187,554
Additional Paid-in Capital	$ 3,271		$ 3,271			$ 3,806
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	198	$ 197	411	$ 435
Other comprehensive income (loss)	$ 148	$ (49)	$ 275	$ (176)
Stock Repurchased During Period, Shares	5,800	4,300	11,300
Common Stock, Dividends, Per Share, Declared			$ 0.60	$ 0.44
Preferred Stock [Member]
Stockholders' Equity	$ 566	$ 566	$ 566	$ 566	$ 566	566	$ 566	$ 566
Common Stock [Member]
Stockholders' Equity	$ 0	$ 4,231	$ 0	$ 4,231	$ 0	$ 0	$ 4,346	$ 4,445
Common stock, outstanding shares	176,935	195,392	176,935	195,392	182,513	187,554	197,050	197,532
Stock Repurchased During Period, Shares	5,857	2,270	11,363	4,541
Stock Repurchased During Period, Value		$ (127)		$ (248)
Net Shares Issued From Stock Warrant Exercises	7	53	8	1,095
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures	272	559	736	1,306
Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures		$ 12		$ 34
Additional Paid-in Capital [Member]
Additional Paid-in Capital	$ 3,271	0	$ 3,271	0	$ 3,541	$ 3,806	$ 0	$ 0
Stock Repurchased During Period, Value	(276)		(551)
Employee Plans, Accumulated Paid-in Capital	6		16
Retained Earnings [Member]
Cumulative Effect of ASU 2017-08			(3)
Stockholders' Equity	3,737	3,139	3,737	3,139	3,603	3,456	2,999	2,807
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	198	197	411	435
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification				1
Dividends, Preferred Stock	10	10	17	17
Dividends, Common Stock	(54)	(47)	(110)	(87)
Accumulated Other Comprehensive Income (Loss) [Member]
Stockholders' Equity	25	(315)	25	(315)	122	(250)	267	(139)
Other comprehensive income (loss)	147	(48)	275	(176)
Parent [Member]
Cumulative Effect of ASU 2017-08			(3)
Stockholders' Equity	7,599	7,621	7,599	7,621	$ 7,588	$ 7,578	$ 7,644	$ 7,679
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	198	197	411	435
Other comprehensive income (loss)	147	(48)	275	(176)
New Accounting Pronouncement or Change in Accounting Principle, Effect of Adoption, Quantification				1
Stock Repurchased During Period, Value	(276)	(127)	(551)	(248)
Employee Plans, Accumulated Paid-in Capital	6	12	16
Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures				34
Dividends, Preferred Stock	10	10	17	17
Dividends, Common Stock	$ (54)	$ (47)	$ (110)	$ (87)

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Basis of Presentation (Notes)

6 Months Ended

Jun. 30, 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 six months ended June 30, 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)

6 Months Ended

Jun. 30, 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 and subsequent related ASUs	This ASU, and subsequent updates, 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 our internal Credit, Treasury, and Accounting groups, has developed models to meet the new standard. We continue to analyze the results of our models. Next steps include establishing and testing controls, further challenging model results, finalizing the qualitative allowance process, and developing 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. The Bank will adopt this guidance beginning January 1, 2020. Transition to the new standard is through a cumulative-effect adjustment to the opening retained earnings as of the beginning of January 1, 2020.
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 significant decreases in the fair value identified for the relevant reporting units since the analysis was performed. 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 ("ROU") 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 as of January 1, 2019 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 a lease liability of approximately $242 million. There was no impact to retained earnings upon adoption. 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 as of January 1, 2019 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 as of January 1, 2019. 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 as of January 1, 2019. 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

6 Months Ended

Jun. 30, 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)	June 30, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,257	$	—	$	13,297
Municipal securities			1,350				1,350
Other debt securities			25				25
Total Available-for-sale	40		14,632		—		14,672
Trading account	18		130				148
Other noninterest-bearing investments:
Bank-owned life insurance			522				522
Private equity investments					105		105
Other assets:
Agriculture loan servicing and interest-only strips					19		19
Deferred compensation plan assets	106						106
Derivatives:
Derivatives designated as hedges			26				26
Derivatives not designated as hedges:
Customer-facing interest rate			139				139
Other interest rate			2				2
Foreign exchange	3						3
Total Assets	$	167	$	15,451	$	124	$	15,742
LIABILITIES
Securities sold, not yet purchased	$	66	$	—	$	—	$	66
Other liabilities:
Deferred compensation plan obligations	106						106
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			11				11
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	174	$	12	$	—	$	186

¹ We 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

¹ We 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								Six Months Ended
	June 30, 2019				June 30, 2018				June 30, 2019				June 30, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips		Private equity investments		Ag loan svcg and int-only strips		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	$	107	$	17	$	100	$	18	$	102	$	18	$	95	$	18
Securities gains (losses), net	(2)		—		1		—		(1)		—		1		—
Other noninterest income	—		2		—		—		—		1		—		—
Purchases	—		—		1		—		4		—		6		—
Balance at end of period	$	105	$	19	$	102	$	18	$	105	$	19	$	102	$	18

The reconciliation of Level 3 instruments does not include any realized gains and losses in the statement of income during the three months ended June 30, 2019 and 2018. During the six months ended June 30, there were no realized gains or losses in the statement of income in 2019 and $3 million in realized losses in 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 June 30, 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	—		6		—		6		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	7	$	—	$	7	$	—	$	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 June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
ASSETS
Private equity investments	$	—	$	—	$	—	$	—
Impaired loans	(9)		(1)		(9)		(5)
Other real estate owned	—		—		—		(1)
Total	$	(9)	$	(1)	$	(9)	$	(6)

During the three months ended June 30, we recognized an insignificant amount of net gains in 2019 and 2018 from

the sale of other real estate owned (“OREO”) properties. During the six months ended June 30, we recognized approximately $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 $2 million during these same periods. Prior to their sale, we recognized an insignificant amount of impairment on these properties during the six months ended June 30, 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 $9 million at

June 30, 2019 and $10 million at December 31, 2018. Amounts of other noninterest-bearing investments carried at cost were $332 million at June 30, 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 $38 million at June 30, 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:

	June 30, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	695	$	698	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	48,219		47,475		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,915		4,923		2	4,336		4,319		2
Long-term debt	1,236		1,248		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)

6 Months Ended

Jun. 30, 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:

	June 30, 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	$	876	$	(256)	$	620	$	—	$	—	$	620
Derivatives (included in other assets)	170		—		170		(10)		(14)		146
Total assets	$	1,046	$	(256)	$	790	$	(10)	$	(14)	$	766
Liabilities:
Federal funds and other short-term borrowings	$	6,279	$	(256)	$	6,023	$	—	$	—	$	6,023
Derivatives (included in other liabilities)	14		—		14		(10)		(2)		2
Total Liabilities	$	6,293	$	(256)	$	6,037	$	(10)	$	(2)	$	6,025

	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	$	1,506	$	—	$	1,506	$	(35)	$	(3)	$	1,468
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

6 Months Ended

Jun. 30, 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.

	June 30, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	695	$	5	$	2	$	698
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,372		6		5		1,373
Agency guaranteed mortgage-backed securities	10,110		86		63		10,133
Small Business Administration loan-backed securities	1,790		1		40		1,751
Municipal securities	1,322		28		—		1,350
Other debt securities	25		—		—		25
Total available-for-sale	14,659		121		108		14,672
Total investment securities	$	15,354	$	126	$	110	$	15,370

	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 June 30, 2019, by contractual maturity 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.

	June 30, 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	$	138	$	138	$	177	$	177
Due after one year through five years	258		259		633		636
Due after five years through ten years	155		158		2,824		2,835
Due after ten years	144		143		11,025		11,024
Total debt investment securities	$	695	$	698	$	14,659	$	14,672

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:

	June 30, 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	$	—	$	13	$	2	$	275	$	2	$	288
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		14		5		606		5		620
Agency guaranteed mortgage-backed securities	1		72		62		4,535		63		4,607
Small Business Administration loan-backed securities	1		34		39		1,430		40		1,464
Municipal securities	—		30		—		159		—		189
Other	—		—		—		15		—		15
Total available-for-sale	2		150		106		6,745		108		6,895
Total investment securities	$	2	$	163	$	108	$	7,020	$	110	$	7,183

	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 June 30, 2019 and December 31, 2018, respectively, 284 and 606 HTM and 1,182 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 six 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 June 30, 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 June 30,								Six Months Ended June 30,
	2019				2018				2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses
Other noninterest-bearing investments	$	1	$	4	$	4	$	3	$	5	$	7	$	6	$	5
Net gains (losses) 1			$	(3)			$	1			$	(2)			$	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 June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	3	$	3	$	6
Available-for-sale	81		6		87		70		7		77
Trading	—		2		2		—		2		2
Total securities	$	83	$	12	$	95	$	73	$	12	$	85

	Six Months Ended June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	4	$	8	$	12	$	5	$	7	$	12
Available-for-sale	164		12		176		142		13		155
Trading	—		3		3		—		3		3
Total	$	168	$	23	$	191	$	147	$	23	$	170

Investment securities with a carrying value of $2.1 billion at June 30, 2019 and $2.6 billion at December 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

6 Months Ended

Jun. 30, 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)	June 30, 2019		December 31, 2018
Loans held for sale	$	105	$	93
Commercial:
Commercial and industrial	$	14,883	$	14,513
Leasing	337		327
Owner-occupied	7,828		7,661
Municipal	2,059		1,661
Total commercial	25,107		24,162
Commercial real estate:
Construction and land development	2,609		2,186
Term	9,218		8,939
Total commercial real estate	11,827		11,125
Consumer:
Home equity credit line	2,929		2,937
1-4 family residential	7,440		7,176
Construction and other consumer real estate	644		643
Bankcard and other revolving plans	502		491
Other	168		180
Total consumer	11,683		11,427
Total loans 1	$	48,617	$	46,714

¹Loans are presented net of unearned income, unamortized purchase premiums and discounts, and net deferred loan fees and costs totaling $52 million and $50 million at June 30, 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 $210 million at June 30, 2019 and $237 million at December 31, 2018.

Loans with a carrying value of approximately $23.3 billion at June 30, 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 $132 million and $250 million for the three and six months ended June 30, 2019 and $206 million and $312 million for the three and six months ended June 30, 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 were $170 million and $263 million for the three and six months ended June 30, 2019 and $235 million and $400 million for the three and six months ended June 30, 2018, 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 June 30, 2019 and December 31, 2018. Income from loans sold, excluding servicing, was $3 million and $5 million for the six months ended June 30, 2019 and $4 million and $7 million for the three and six months ended June 30, 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 June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	328	$	113	$	56	$	497
Provision for loan losses	23		1		(4)		20
Deductions:
Gross loan and lease charge-offs	19		—		4		23
Recoveries	6		—		3		9
Net loan and lease charge-offs (recoveries)	13		—		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	42	$	17	$	—	$	59
Provision for unfunded lending commitments	(1)		2		—		1
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

	Six Months Ended June 30, 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	22		2		(2)		22
Deductions:
Gross loan and lease charge-offs	27		1		7		35
Recoveries	12		3		6		21
Net loan and lease charge-offs (recoveries)	15		(2)		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	17	$	—	$	57
Provision for unfunded lending commitments	1		2		—		3
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

	Three Months Ended June 30, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	329	$	104	$	40	$	473
Provision for loan losses	(18)		15		8		5
Gross loan and lease charge-offs	10		—		3		13
Recoveries	20		3		2		25
Net loan and lease charge-offs (recoveries)	(10)		(3)		1		(12)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	11	$	—	$	51
Provision for unfunded lending commitments	3		4		—		7
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

	Six Months Ended June 30, 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	(58)		14		9		(35)
Gross loan and lease charge-offs	30		—		9		39
Recoveries	38		5		3		46
Net loan and lease charge-offs (recoveries)	(8)		(5)		6		(7)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	48	$	10	$	—	$	58
Provision for unfunded lending commitments	(5)		5		—		—
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

The ALLL and outstanding loan balances according to the Bank’s impairment method are summarized as follows:

	June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	11	$	1	$	2	$	14
Collectively evaluated for impairment	327		113		49		489
Total	$	338	$	114	$	51	$	503
Outstanding loan balances:
Individually evaluated for impairment	$	168	$	48	$	69	$	285
Collectively evaluated for impairment	24,939		11,779		11,614		48,332
Total	$	25,107	$	11,827	$	11,683	$	48,617

	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)	June 30, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	85	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	156		152
Commercial real estate:
Construction and land development	1		—
Term	31		38
Total commercial real estate	32		38
Consumer:
Home equity credit line	12		13
1-4 family residential	44		42
Construction and other consumer real estate	4		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	60		56
Total	$	248	$	246

Past due loans (accruing and nonaccruing) are summarized as follows:

	June 30, 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	$	105	$	—	$	—	$	—	$	105	$	—	$	—
Commercial:
Commercial and industrial	$	14,820	$	37	$	26	$	63	$	14,883	$	4	$	53
Leasing	337		—		—		—		337		—		1
Owner-occupied	7,771		32		25		57		7,828		6		47
Municipal	2,058		—		1		1		2,059		—		—
Total commercial	24,986		69		52		121		25,107		10		101
Commercial real estate:
Construction and land development	2,580		23		6		29		2,609		5		—
Term	9,202		10		6		16		9,218		—		24
Total commercial real estate	11,782		33		12		45		11,827		5		24
Consumer:
Home equity credit line	2,919		6		4		10		2,929		—		6
1-4 family residential	7,411		8		21		29		7,440		—		17
Construction and other consumer real estate	640		1		3		4		644		—		—
Bankcard and other revolving plans	497		3		2		5		502		2		—
Other	167		1		—		1		168		—		—
Total consumer loans	11,634		19		30		49		11,683		2		23
Total	$	48,402	$	121	$	94	$	215	$	48,617	$	17	$	148

	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:

	June 30, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,247	$	273	$	363	$	—	$	14,883
Leasing	321		11		5		—		337
Owner-occupied	7,524		77		227		—		7,828
Municipal	2,032		—		27		—		2,059
Total commercial	24,124		361		622		—		25,107		$	338
Commercial real estate:
Construction and land development	2,586		16		7		—		2,609
Term	9,111		39		68		—		9,218
Total commercial real estate	11,697		55		75		—		11,827		114
Consumer:
Home equity credit line	2,913		—		16		—		2,929
1-4 family residential	7,391		—		49		—		7,440
Construction and other consumer real estate	639		—		5		—		644
Bankcard and other revolving plans	499		—		3		—		502
Other	168		—		—		—		168
Total consumer loans	11,610		—		73		—		11,683		51
Total	$	47,431	$	416	$	770	$	—	$	48,617	$	503

	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 June 30, 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 and six months ended June 30, 2019 and 2018:

	June 30, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	129	$	36	$	62	$	98	$	10
Owner-occupied	63		44		11		55		1
Municipal	1		1		—		1		—
Total commercial	193		81		73		154		11
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	38		32		2		34		—
Total commercial real estate	38		32		2		34		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	60		29		23		52		2
Construction and other consumer real estate	3		1		2		3		—
Other	—		—		—		—		—
Total consumer loans	78		42		27		69		2
Total	$	309	$	155	$	102	$	257	$	13

	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 June 30, 2019				Six Months Ended June 30, 2019
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	108	$	1	$	96	$	2
Owner-occupied	59		—		60		—
Municipal	1		—		1		—
Total commercial	168		1		157		2
Commercial real estate:
Construction and land development	—		—		—		—
Term	39		—		37		—
Total commercial real estate	39		—		37		—
Consumer:
Home equity credit line	14		—		14		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	3		—		2		—
Other	—		—		—		—
Total consumer loans	72		—		71		—
Total	$	279	$	1	$	265	$	2

	Three Months Ended June 30, 2018				Six Months Ended June 30, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	138	$	—	$	126	$	—
Owner-occupied	54		—		55		8
Municipal	1		—		1		—
Total commercial	193		—		182		8
Commercial real estate:
Construction and land development	5		—		5		—
Term	58		—		53		—
Total commercial real estate	63		—		58		—
Consumer:
Home equity credit line	15		—		14		—
1-4 family residential	57		—		55		—
Construction and other consumer real estate	2		—		1		—
Other	—		—		—		—
Total consumer loans	74		—		70		—
Total	$	330	$	—	$	310	$	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:

	June 30, 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	$	9	$	29
Owner-occupied	4		1		—		—		3		6		14
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		15		43
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		4		8
Total commercial real estate	1		2		—		1		—		4		8
Consumer:
Home equity credit line	—		2		7		—		—		3		12
1-4 family residential	1		1		6		—		1		24		33
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		4		13		—		1		27		46
Total accruing	8		11		13		1		18		46		97
Nonaccruing
Commercial:
Commercial and industrial	1		5		—		1		1		26		34
Owner-occupied	6		1		—		—		1		6		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		1		2		33		49
Commercial real estate:
Term	3		—		—		2		3		11		19
Total commercial real estate	3		—		—		2		3		11		19
Consumer:
Home equity credit line	—		—		1		—		—		1		2
1-4 family residential	—		—		1		1		1		6		9
Total consumer loans	—		—		2		1		1		7		11
Total nonaccruing	10		6		2		4		6		51		79
Total	$	18	$	17	$	15	$	5	$	24	$	97	$	176

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 $12 million and $11 million at June 30, 2019 and December 31, 2018, respectively.

The total recorded investment of all TDRs in which interest rates were modified below market was $84 million at June 30, 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 and six months ended June 30, 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 June 30, 2019						Six Months Ended June 30, 2019
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	6	$	6
Owner-occupied	—		—		—		—		—		—
Total commercial	—		3		3		—		6		6
Commercial real estate:
Term	—		—		—		—		1		1
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	4	$	4	$	—	$	8	$	8

	Three Months Ended June 30, 2018						Six Months Ended June 30, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	5	$	5	$	—	$	5	$	5
Owner-occupied	—		—		—		—		1		1
Total commercial	—		5		5		—		6		6
Commercial real estate:
Term	—		2		2		—		2		2
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	8	$	8	$	—	$	9	$	9

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2019 and 2018 were $69 million and $73 million, respectively.

At June 30, 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 $8 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 (Note)

6 Months Ended

Jun. 30, 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 June 30, 2019, the Bank had $1 billion of interest rate swaps designated 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 converting the interest on our fixed-rate debt to floating. These hedges are designated as fair values 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 received fixed-rate, or strike 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 3.425% for our two existing fair value hedges which continued to be highly effective and meet all other requirements to remain designated and part of a qualifying hedge accounting relationship of the balance sheet date.

The Bank has no remaining debt basis adjustments from previously designed fair value hedges 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 – As of June 30, 2019, the Bank had $1.7 billion of interest rate swaps and $3.5 billion of interest rate floors designated as cash flow hedges of pools of floating-rate commercial loans. The bank had 24 active interest rate swaps as of June 30, 2019 with a weighted-average maturity of approximately 2.8 years, compared with 2.7 years at March 31, 2019, and a weighted average received-fixed strike rate of 2.1%. During the second quarter of 2019, two of these receive-fixed interest rate swaps matured, each had a notional amount of $75 million. An additional three swaps will mature by year end, and seven total swaps maturing by the end of the second quarter of 2020. During the quarter, the Bank continued to expand its protection against its exposure to potential net interest income and margin compression in a down interest rate environment by expanding its cash flow hedge portfolio by adding four receive-fixed swaps with individual notional amounts of $100 million each (aggregate notional of $400 million). The four additional swaps added to the Bank's cash flow hedge portfolio have maturities ranging from three to five years in tenor.

During the first quarter of 2019 the Bank expanded its cash flow hedging program to include purchased floors. The Bank added one additional floor during the second quarter of 2019 with a $500 million notional and a strike rate of 1.5% and a term of approximately 3 years, consistent with the terms of the rest of the cash flow hedge floor portfolio. The additional floor increased the total floor notional to $3.5 billion, which is comprised of seven floors, each with a notional amount of $500 million, a strike rate of 1.5%, and an approximate life of 3 years. The floor added in the second quarter was purchased for $1.4 million making the aggregate purchase price of all seven floors purchased in the six months ended June 30, 2019 approximately $8 million. As of June 30, 2019, the fair value of the floors increased $15 million to $26 million as a result of the change in the LIBOR swap rate during the quarter.

Shortly after the end of the second quarter, the Bank modified all of its floors to reduce the strike rate to 1% while doubling the notional amount from $3.5 billion to $7.0 billion. The modification did not result in any additional costs to the Bank. While the accounting is being finalized at the time of this filing, it is expected that there will be no significant changes to the periodic impact on interest income from the premium amortization or any other accounting changes of note.

During the second quarter of 2019 the cash flow hedge swap portfolio increased in value by $26 million, which was recognized in AOCI. The fair value hedge swap portfolio increased in value by $12 million which was offset by the change in fair value of the hedged debt, resulting in no direct earnings impact.

For the cash flow hedges, changes in fair value remain deferred in AOCI as long as the hedging relationship remains highly effective and qualifies for hedge accounting. Amounts deferred in AOCI are reclassified into earning in the periods in which the hedged forecasted transactions effect earnings. The premium on the purchased floors is deferred in AOCI and amortized using straight-line over the life of the hedges with the offsetting entry to the AOCI release being recorded as a reduction in interest income.

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 June 30, 2019, the fair value of our derivative liabilities was $155 million, for which we were required to pledge cash collateral of approximately $64 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 June 30, 2019, there would likely be no 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 June 30, 2019 and December 31, 2018, and the related gain (loss) of derivative instruments for the three and six months ended June 30, 2019 and 2018 is summarized as follows:

	June 30, 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	$	3,500	$	26	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,663		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	6,163		26		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives 1, 2	3,410		138		3		2,826		37		33
Offsetting interest rate derivatives 2	3,451		3		149		2,826		33		40
Other interest rate derivatives	570		2		1		300		1		1
Foreign exchange derivatives	366		3		2		389		4		2
Total derivatives not designated as hedging instruments	7,797		146		155		6,341		75		76
Total derivatives	$	13,960	$	172	$	155	$	7,528	$	75	$	76

¹ Customer-facing interest rate derivatives in an asset position include an $11 million and $3 million credit valuation adjustment reducing the fair value as of June 30, 2019 and December 31, 2018, respectively.

² The fair value amounts for these derivatives do not include the settlement amounts for those trades that are cleared. Once the settlement amounts with the clearing houses are included the derivative fair values would be the following:

	June 30, 2019				December 31, 2018
(In millions)	Other assets		Other liabilities		Other assets		Other liabilities
Customer-facing interest rate derivatives	$	136	$	3	$	7	$	33
Offsetting interest rate derivatives	3		8		33		3

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	15	$	(1)	$	—	$	—
Interest rate swaps	24		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	26		15		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							86
Offsetting interest rate derivatives							(85)
Other interest rate derivatives							(1)
Foreign exchange derivatives							6
Total derivatives not designated as hedging instruments							6
Total derivatives	$	26	$	15	$	(2)	$	6	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	18	$	(1)	$	—	$	—
Interest rate swaps	33		—		(3)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	35		18		(4)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							132
Offsetting interest rate derivatives							(130)
Other interest rate derivatives							(1)
Foreign exchange derivatives							11
Total derivatives not designated as hedging instruments							12
Total derivatives	$	35	$	18	$	(4)	$	12	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(2)		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(2)		—		(1)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(14)
Offsetting interest rate derivatives							18
Other interest rate derivatives							—
Foreign exchange derivatives							5
Total derivatives not designated as hedging instruments							9
Total derivatives	$	(2)	$	—	$	(1)	$	9	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(7)		—		(2)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(7)		—		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(43)
Offsetting interest rate derivatives							57
Other interest rate derivatives							—
Foreign exchange derivatives							10
Total derivatives not designated as hedging instruments							24
Total derivatives	$	(7)	$	—	$	(2)	$	24	$	—

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 June 30, 2019, we estimate that $2 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 June 30, 2019						Three Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	12	$	(12)	$	—	$	—	$	—	$	—

	Gain/(loss) recorded in income
	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	18	$	(18)	$	—	$	—	$	—	$	—

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 derivatives 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)	June 30, 2019		December 31, 2018		June 30, 2019		December 31, 2018
Long-term debt	$	(1,022)	$	(505)	$	(22)	$	(5)

The fair value of derivative assets was reduced by a net credit valuation adjustment of $11 million and $1 million at June 30, 2019 and 2018, respectfully. The adjustment for derivative liabilities was zero at June 30, 2019 and a decrease of less than $2 million at June 30, 2018. These adjustments are required to reflect both our own nonperformance risk and the respective counterparty’s nonperformance risk.

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Leases (Notes)

6 Months Ended

Jun. 30, 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 ROU assets and lease liabilities on the balance sheet. Most prominent among the changes in the standard is the recognition of 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 there was no impact to retained earnings from recognizing 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 June 30, 2019, we had 432 branches, of which 277 are owned and 155 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 we have 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 June 30, 2019, assets recorded under operating leases were $232 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 and liabilities, their weighted average remaining life, and the weighted average discount rate.

(Dollar amounts in millions)	June 30, 2019
Operating assets and liabilities
Operating right-of-use assets, net of amortization	$	232
Operating lease liabilities	251
Weighted average remaining lease term (years)
Operating leases	9.3
Finance leases	0.9
Weighted average discount rate
Operating leases	3.2		%
Finance leases	12.6		%

The components of lease expense are as follows:

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Operating lease costs	$	12	$	24
Variable lease costs	13		26
Total lease cost	$	25	$	50

Supplemental cash flow information related to leases is as follows:

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	12	$	24

Maturities analysis for lease liabilities as of June 30, 2019 is as follows (undiscounted lease payments):

(In millions)
2019 1	$	32
2020	47
2021	42
2022	37
2023	31
Thereafter	116
Total	$	305

¹ Contractual maturities for the six 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 $3 million for both the second quarters of 2019 and 2018, and $6 million and $5 million for the first six months of 2019 and 2018.

The Bank also has a lending division that makes equipment leases, considered to be sales-type leases or direct financing leases, totaling $337 million and $358 million as of June 30, 2019 and 2018, respectively. The Bank uses leasing of equipment as a venue for customers to access equipment without purchasing upfront. The Bank recorded income of $3 million on these leases for both the second quarters of 2019 and 2018, and $7 million for both the first six months of 2019 and 2018.

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Debt And Shareholders' Equity

6 Months Ended

Jun. 30, 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)	June 30, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,149		637
Total	$	1,236	$	724

The preceding carrying values represent the par value of the debt adjusted for any unamortized premium or discount, unamortized debt issuance costs, and valuation adjustments for fair value swaps. During the first six months 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

The Bank’s common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. As of June 30, 2019, there were 176.9 million shares of 0.001 par value common stock outstanding. As of June 30, 2019, 29.3 million common stock warrants (NASDAQ: ZIONW), with an exercise price of $34.41, were outstanding, and each common stock warrant was convertible into 1.06 shares. These warrants expire on May 22, 2020.

Common stock and additional paid-in capital was $3.3 billion at June 30, 2019, and decreased $535 million, or 14%, from December 31, 2018, primarily due to Bank common stock repurchases. During the second quarter of 2019, we continued our common stock buyback program and repurchased 5.8 million shares of common stock outstanding with a fair value of $275 million at an average price of $47.05 per share. During the first six months of 2019 we repurchased 11.3 million shares of common stock outstanding with a fair value of $550 million, at an average price of $48.50 per share compared to 4.3 million shares with a fair value of $235 million at an average

price of $54.64 per share for the first six months of 2018. In July 2019, the Bank announced that the Board approved a plan to repurchase $275 million of common stock during the third quarter of 2019.

Accumulated Other Comprehensive Income

Accumulated other comprehensive income (loss) was $25 million at June 30, 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
Six Months Ended June 30, 2019
Balance at December 31, 2018	$	(228)	$	(1)	$	(21)	$	(250)
OCI before reclassifications, net of tax	237		36		—		273
Amounts reclassified from AOCI, net of tax	—		2		—		2
OCI	237		38		—		275
Balance at June 30, 2019	$	9	$	37	$	(21)	$	25
Income tax expense included in OCI	$	78	$	12	$	—	$	90
Six Months Ended June 30, 2018
Balance at December 31, 2017	$	(114)	$	(2)	$	(23)	$	(139)
OCI (loss) before reclassifications, net of tax	(175)		(2)		—		(177)
Amounts reclassified from AOCI, net of tax	—		1		—		1
OCI (loss)	(175)		(1)		—		(176)
Balance at June 30, 2018	$	(289)	$	(3)	$	(23)	$	(315)
Income tax benefit included in OCI	$	(58)	$	—	$	—	$	(58)

	Amounts reclassified from AOCI 1				Amounts reclassified from AOCI 1				Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
Details about AOCI components	2019		2018		2019		2018			Affected line item
Net unrealized losses on derivative instruments	$	(2)	$	(1)	$	(4)	$	(2)	SI	Interest and fees on loans
Income tax benefit	(1)		—		(2)		(1)
Amounts Reclassified from AOCI	(1)		(1)		(2)		(1)

¹ Negative reclassification amounts indicate decreases to earnings in the statement of income.

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Commitments, Guarantees, And Contingent Liabilities

6 Months Ended

Jun. 30, 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)	June 30, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	22,529	$	21,454
Standby letters of credit:
Financial	527		655
Performance	189		199
Commercial letters of credit	19		18
Total unfunded lending commitments	$	23,264	$	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 June 30, 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 June 30, 2019, we were subject to the following material litigation or governmental inquiries:

•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. Mediation sessions were held in the second quarter of 2019. No trial date has been set.

•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. Trial is scheduled for February 2020.

•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 with the Court of Appeals reversing the trial court's dismissal. It is likely that trial will not occur for a substantial period of time.

•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. Trial has not been scheduled.

•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. Trial has not been scheduled in either case.

•a civil class action lawsuit, Gregory, et. al. v. Zions Bancorporation, brought against us in the United States District Court in Utah in January 2019. This case was 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 case follows 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. The matter is in the early motion practice state and initial phase discovery has commenced. During the second quarter of 2019, we filed a motion to dismiss. Trial has not been scheduled. A related case, North Valley Partners et. al. vs. Zions Bancorporation, brought against us by a group of investors in Rust Rare Coin, was dismissed without prejudice in the second quarter of 2019 with those plaintiffs opting for now to participate in the Gregory class.

•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 was resolved in the second quarter of 2019. The case related to deposit customers who were promoters of an investment program that allegedly misappropriated investors' funds.

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 June 30, 2019, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $45 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 (Notes) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) States	Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($) States	Jun. 30, 2018 USD ($)
Number of States in which Entity Operates | States	11		11
Other service charges, commissions, and fees	$ 58	$ 55	$ 113	$ 110
Revenue Recognition [Member]
Interest and Fee Income, Loans, Consumer Installment, Credit Card	36	34	69	67
ATM Fees	2	3	4	5
Other Service Charges	3	4	7	7
Other Commissions and Fees	4	5	8	10
Other service charges, commissions, and fees	$ 45	$ 46	$ 88	$ 89

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Retirement Plans

6 Months Ended

Jun. 30, 2019

Defined Benefit Plan [Abstract]

Retirement Plans

RETIREMENT PLANS

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

(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Interest cost	$	1	$	1	$	3	$	3
Expected return on plan assets	(2)		(3)		(4)		(6)
Partial settlement loss	—		—		—		1
Amortization of net actuarial loss	1		1		1		1
Net periodic cost (benefit)	$	—	$	(1)	$	—	$	(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 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

6 Months Ended

Jun. 30, 2019

Income Tax Disclosure [Abstract]

Income Taxes

INCOME TAXES

The effective income tax rate of 22.7% for the second quarter of 2019 was higher than the 2018 second quarter rate of 22.1%. The effective tax rate for both year-to-date periods was 22.5%. 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 $36 million at June 30, 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 other comprehensive income ("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 (Note)

6 Months Ended

Jun. 30, 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 June 30,				Six Months Ended June 30,
(In millions, except shares and per share amounts)	2019		2018		2019		2018
Basic:
Net income	$	198	$	197	$	411	$	435
Less common and preferred dividends	63		57		127		104
Undistributed earnings	135		140		284		331
Less undistributed earnings applicable to nonvested shares	1		1		2		3
Undistributed earnings applicable to common shares	134		139		282		328
Distributed earnings applicable to common shares	54		47		110		86
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Net earnings per common share	$	1.05	$	0.95	$	2.15	$	2.11
Diluted:
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Dilutive effect of common stock warrants (in thousands)	9,318		12,640		9,587		12,627
Dilutive effect of stock options (in thousands)	624		1,024		673		1,083
Weighted average diluted common shares outstanding (in thousands)	189,098		209,247		192,206		209,859
Net earnings per common share	$	0.99	$	0.89	$	2.04	$	1.97

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

	Three Months Ended June 30,		Six Months Ended June 30,
(In thousands)	2019	2018	2019	2018
Restricted stock and restricted stock units	1,446	1,709	1,435	1,733
Stock options	492	194	411	120

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Operating Segment Information

6 Months Ended

Jun. 30, 2019

Operating Segment Information [Abstract]

Operating Segment Information

OPERATING SEGMENT INFORMATIONWe 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 June 30, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 87 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 two branches in Washington and one branch in Oregon.

The operating segment identified as “Other” includes certain non-bank 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 June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	179	$	176	$	132	$	127	$	140	$	131
Provision for credit losses	16		5		(8)		(6)		9		2
Net interest income after provision for loan losses	163		171		140		133		131		129
Noninterest income	39		38		34		31		22		19
Noninterest expense	120		117		86		86		82		76
Income (loss) before income taxes	$	82	$	92	$	88	$	78	$	71	$	72
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,067	$	12,633	$	12,254	$	11,387	$	10,838	$	9,908
Total average deposits	15,455		15,346		11,361		11,060		11,412		11,181

	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	62	$	58	$	40	$	38	$	36	$	34
Provision for credit losses	2		7		—		—		1		2
Net interest income after provision for loan losses	60		51		40		38		35		32
Noninterest income	11		10		11		10		6		6
Noninterest expense	38		38		37		36		27		25
Income (loss) before income taxes	$	33	$	23	$	14	$	12	$	14	$	13
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,847	$	4,640	$	2,570	$	2,349	$	3,105	$	2,881
Total average deposits	5,048		4,942		4,406		4,314		2,811		2,784
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	12	$	(34)	$	(28)	$	569	$	548
Provision for credit losses	2		1		(1)		1		21		12
Net interest income after provision for loan losses	12		11		(33)		(29)		548		536
Noninterest income	1		1		8		23		132		138
Noninterest expense	5		5		29		38		424		421
Income (loss) before income taxes	$	8	$	7	$	(54)	$	(44)	$	256	$	253
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,203	$	1,117	$	440	$	327	$	48,324	$	45,242
Total average deposits	1,053		1,048		2,801		2,221		54,347		52,896

The following schedule presents selected operating segment information for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	358	$	342	$	263	$	254	$	278	$	262
Provision for loan losses	26		3		(23)		(59)		12		5
Net interest income after provision for loan losses	332		339		286		313		266		257
Noninterest income	72		73		68		64		41		40
Noninterest expense	237		231		174		173		164		154
Income (loss) before income taxes	$	167	$	181	$	180	$	204	$	143	$	143
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,004	$	12,543	$	12,058	$	11,379	$	10,707	$	9,919
Total average deposits	15,490		15,211		11,401		10,938		11,328		11,150
	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	122	$	111	$	80	$	73	$	72	$	66
Provision for credit losses	4		9		(1)		—		5		5
Net interest income after provision for loan losses	118		102		81		73		67		61
Noninterest income	21		19		21		20		12		12
Noninterest expense	78		75		73		72		54		52
Income (loss) before income taxes	$	61	$	46	$	29	$	21	$	25	$	21
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,798	$	4,591	$	2,535	$	2,349	$	3,080	$	2,837
Total average deposits	4,972		4,863		4,368		4,269		2,816		2,748

	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	28	$	24	$	(56)	$	(42)	$	1,145	$	1,090
Provision for credit losses	2		2		—		—		25		(35)
Net interest income after provision for loan losses	26		22		(56)		(42)		1,120		1,125
Noninterest income	2		3		27		45		264		276
Noninterest expense	11		11		63		72		854		840
Income (loss) before income taxes	$	17	$	14	$	(92)	$	(69)	$	530	$	561
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,156	$	1,135	$	412	$	301	$	47,750	$	45,054
Total average deposits	1,064		1,060		2,694		2,208		54,133		52,447

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Fair Value (Tables)

6 Months Ended

Jun. 30, 2019

Fair Value Disclosures [Abstract]

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

(In millions)	June 30, 2019
	Level 1		Level 2		Level 3		Total
ASSETS
Investment securities:
Available-for-sale: 1
U.S. Treasury, agencies and corporations	$	40	$	13,257	$	—	$	13,297
Municipal securities			1,350				1,350
Other debt securities			25				25
Total Available-for-sale	40		14,632		—		14,672
Trading account	18		130				148
Other noninterest-bearing investments:
Bank-owned life insurance			522				522
Private equity investments					105		105
Other assets:
Agriculture loan servicing and interest-only strips					19		19
Deferred compensation plan assets	106						106
Derivatives:
Derivatives designated as hedges			26				26
Derivatives not designated as hedges:
Customer-facing interest rate			139				139
Other interest rate			2				2
Foreign exchange	3						3
Total Assets	$	167	$	15,451	$	124	$	15,742
LIABILITIES
Securities sold, not yet purchased	$	66	$	—	$	—	$	66
Other liabilities:
Deferred compensation plan obligations	106						106
Derivatives:
Derivatives not designated as hedges:
Customer-facing interest rate			11				11
Other interest rate			1				1
Foreign exchange	2						2
Total Liabilities	$	174	$	12	$	—	$	186

¹ We 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

¹ We 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								Six Months Ended
	June 30, 2019				June 30, 2018				June 30, 2019				June 30, 2018
(In millions)	Private equity investments		Ag loan svcg and int-only strips		Private equity investments		Ag loan svcg and int-only strips		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	$	107	$	17	$	100	$	18	$	102	$	18	$	95	$	18
Securities gains (losses), net	(2)		—		1		—		(1)		—		1		—
Other noninterest income	—		2		—		—		—		1		—		—
Purchases	—		—		1		—		4		—		6		—
Balance at end of period	$	105	$	19	$	102	$	18	$	105	$	19	$	102	$	18

Schedule Of Assets With Fair Value Changes On Nonrecurring Basis

(In millions)	Fair value at June 30, 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	—		6		—		6		—		32		—		32
Other real estate owned	—		1		—		1		—		—		—		—
Total	$	—	$	7	$	—	$	7	$	—	$	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 June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
ASSETS
Private equity investments	$	—	$	—	$	—	$	—
Impaired loans	(9)		(1)		(9)		(5)
Other real estate owned	—		—		—		(1)
Total	$	(9)	$	(1)	$	(9)	$	(6)

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

	June 30, 2019					December 31, 2018
(In millions)	Carrying value		Estimated fair value		Level	Carrying value		Estimated fair value		Level
Financial assets:
HTM investment securities	$	695	$	698	2	$	774	$	767	2
Loans and leases (including loans held for sale), net of allowance	48,219		47,475		3	46,312		45,251		3
Financial liabilities:
Time deposits	4,915		4,923		2	4,336		4,319		2
Long-term debt	1,236		1,248		2	724		727		2

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Offsetting Assets and Liabilities (Tables)

6 Months Ended

Jun. 30, 2019

Offsetting Assets and Liabilities [Abstract]

Offsetting Assets [Table Text Block]

	June 30, 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	$	876	$	(256)	$	620	$	—	$	—	$	620
Derivatives (included in other assets)	170		—		170		(10)		(14)		146
Total assets	$	1,046	$	(256)	$	790	$	(10)	$	(14)	$	766
Liabilities:
Federal funds and other short-term borrowings	$	6,279	$	(256)	$	6,023	$	—	$	—	$	6,023
Derivatives (included in other liabilities)	14		—		14		(10)		(2)		2
Total Liabilities	$	6,293	$	(256)	$	6,037	$	(10)	$	(2)	$	6,025

	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	$	1,506	$	—	$	1,506	$	(35)	$	(3)	$	1,468
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)

6 Months Ended

Jun. 30, 2019

Investments [Abstract]

Summary Of Investment Securities

	June 30, 2019
(In millions)	Amortized cost		Gross unrealized gains		Gross unrealized losses		Estimated fair value
Held-to-maturity
Municipal securities	$	695	$	5	$	2	$	698
Available-for-sale
U.S. Treasury securities	40		—		—		40
U.S. Government agencies and corporations:
Agency securities	1,372		6		5		1,373
Agency guaranteed mortgage-backed securities	10,110		86		63		10,133
Small Business Administration loan-backed securities	1,790		1		40		1,751
Municipal securities	1,322		28		—		1,350
Other debt securities	25		—		—		25
Total available-for-sale	14,659		121		108		14,672
Total investment securities	$	15,354	$	126	$	110	$	15,370

	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

	June 30, 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	$	138	$	138	$	177	$	177
Due after one year through five years	258		259		633		636
Due after five years through ten years	155		158		2,824		2,835
Due after ten years	144		143		11,025		11,024
Total debt investment securities	$	695	$	698	$	14,659	$	14,672

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

	June 30, 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	$	—	$	13	$	2	$	275	$	2	$	288
Available-for-sale
U.S. Government agencies and corporations:
Agency securities	—		14		5		606		5		620
Agency guaranteed mortgage-backed securities	1		72		62		4,535		63		4,607
Small Business Administration loan-backed securities	1		34		39		1,430		40		1,464
Municipal securities	—		30		—		159		—		189
Other	—		—		—		15		—		15
Total available-for-sale	2		150		106		6,745		108		6,895
Total investment securities	$	2	$	163	$	108	$	7,020	$	110	$	7,183

	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 June 30,								Six Months Ended June 30,
	2019				2018				2019				2018
(In millions)	Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses		Gross gains		Gross losses
Other noninterest-bearing investments	$	1	$	4	$	4	$	3	$	5	$	7	$	6	$	5
Net gains (losses) 1			$	(3)			$	1			$	(2)			$	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 June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	2	$	4	$	6	$	3	$	3	$	6
Available-for-sale	81		6		87		70		7		77
Trading	—		2		2		—		2		2
Total securities	$	83	$	12	$	95	$	73	$	12	$	85

	Six Months Ended June 30,
	2019						2018
(In millions)	Taxable		Nontaxable		Total		Taxable		Nontaxable		Total
Investment securities:
Held-to-maturity	$	4	$	8	$	12	$	5	$	7	$	12
Available-for-sale	164		12		176		142		13		155
Trading	—		3		3		—		3		3
Total	$	168	$	23	$	191	$	147	$	23	$	170

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Loans And Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 2019

Jun. 30, 2018

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

allowance for loan losses by impairment [Table Text Block]

	June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses:
Individually evaluated for impairment	$	11	$	1	$	2	$	14
Collectively evaluated for impairment	327		113		49		489
Total	$	338	$	114	$	51	$	503
Outstanding loan balances:
Individually evaluated for impairment	$	168	$	48	$	69	$	285
Collectively evaluated for impairment	24,939		11,779		11,614		48,332
Total	$	25,107	$	11,827	$	11,683	$	48,617

	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)	June 30, 2019		December 31, 2018
Loans held for sale	$	105	$	93
Commercial:
Commercial and industrial	$	14,883	$	14,513
Leasing	337		327
Owner-occupied	7,828		7,661
Municipal	2,059		1,661
Total commercial	25,107		24,162
Commercial real estate:
Construction and land development	2,609		2,186
Term	9,218		8,939
Total commercial real estate	11,827		11,125
Consumer:
Home equity credit line	2,929		2,937
1-4 family residential	7,440		7,176
Construction and other consumer real estate	644		643
Bankcard and other revolving plans	502		491
Other	168		180
Total consumer	11,683		11,427
Total loans 1	$	48,617	$	46,714

Summary Of Changes in The Allowance For Credit Losses

	Three Months Ended June 30, 2019
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	328	$	113	$	56	$	497
Provision for loan losses	23		1		(4)		20
Deductions:
Gross loan and lease charge-offs	19		—		4		23
Recoveries	6		—		3		9
Net loan and lease charge-offs (recoveries)	13		—		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	42	$	17	$	—	$	59
Provision for unfunded lending commitments	(1)		2		—		1
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

	Six Months Ended June 30, 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	22		2		(2)		22
Deductions:
Gross loan and lease charge-offs	27		1		7		35
Recoveries	12		3		6		21
Net loan and lease charge-offs (recoveries)	15		(2)		1		14
Balance at end of period	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	17	$	—	$	57
Provision for unfunded lending commitments	1		2		—		3
Balance at end of period	$	41	$	19	$	—	$	60
Total allowance for credit losses at end of period
Allowance for loan losses	$	338	$	114	$	51	$	503
Reserve for unfunded lending commitments	41		19		—		60
Total allowance for credit losses	$	379	$	133	$	51	$	563

	Three Months Ended June 30, 2018
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	329	$	104	$	40	$	473
Provision for loan losses	(18)		15		8		5
Gross loan and lease charge-offs	10		—		3		13
Recoveries	20		3		2		25
Net loan and lease charge-offs (recoveries)	(10)		(3)		1		(12)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	40	$	11	$	—	$	51
Provision for unfunded lending commitments	3		4		—		7
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

	Six Months Ended June 30, 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	(58)		14		9		(35)
Gross loan and lease charge-offs	30		—		9		39
Recoveries	38		5		3		46
Net loan and lease charge-offs (recoveries)	(8)		(5)		6		(7)
Balance at end of period	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments
Balance at beginning of period	$	48	$	10	$	—	$	58
Provision for unfunded lending commitments	(5)		5		—		—
Balance at end of period	$	43	$	15	$	—	$	58
Total allowance for credit losses at end of period
Allowance for loan losses	$	321	$	122	$	47	$	490
Reserve for unfunded lending commitments	43		15		—		58
Total allowance for credit losses	$	364	$	137	$	47	$	548

Summary Of Nonaccrual Loans

(In millions)	June 30, 2019		December 31, 2018
Loans held for sale	$	—	$	6
Commercial:
Commercial and industrial	$	85	$	82
Leasing	1		2
Owner-occupied	69		67
Municipal	1		1
Total commercial	156		152
Commercial real estate:
Construction and land development	1		—
Term	31		38
Total commercial real estate	32		38
Consumer:
Home equity credit line	12		13
1-4 family residential	44		42
Construction and other consumer real estate	4		—
Bankcard and other revolving plans	—		1
Other	—		—
Total consumer loans	60		56
Total	$	248	$	246

Summary Of Past Due Loans (Accruing And Nonaccruing)

	June 30, 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	$	105	$	—	$	—	$	—	$	105	$	—	$	—
Commercial:
Commercial and industrial	$	14,820	$	37	$	26	$	63	$	14,883	$	4	$	53
Leasing	337		—		—		—		337		—		1
Owner-occupied	7,771		32		25		57		7,828		6		47
Municipal	2,058		—		1		1		2,059		—		—
Total commercial	24,986		69		52		121		25,107		10		101
Commercial real estate:
Construction and land development	2,580		23		6		29		2,609		5		—
Term	9,202		10		6		16		9,218		—		24
Total commercial real estate	11,782		33		12		45		11,827		5		24
Consumer:
Home equity credit line	2,919		6		4		10		2,929		—		6
1-4 family residential	7,411		8		21		29		7,440		—		17
Construction and other consumer real estate	640		1		3		4		644		—		—
Bankcard and other revolving plans	497		3		2		5		502		2		—
Other	167		1		—		1		168		—		—
Total consumer loans	11,634		19		30		49		11,683		2		23
Total	$	48,402	$	121	$	94	$	215	$	48,617	$	17	$	148

	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

	June 30, 2019
(In millions)	Pass		Special Mention		Sub- standard		Doubtful		Total loans		Total allowance
Commercial:
Commercial and industrial	$	14,247	$	273	$	363	$	—	$	14,883
Leasing	321		11		5		—		337
Owner-occupied	7,524		77		227		—		7,828
Municipal	2,032		—		27		—		2,059
Total commercial	24,124		361		622		—		25,107		$	338
Commercial real estate:
Construction and land development	2,586		16		7		—		2,609
Term	9,111		39		68		—		9,218
Total commercial real estate	11,697		55		75		—		11,827		114
Consumer:
Home equity credit line	2,913		—		16		—		2,929
1-4 family residential	7,391		—		49		—		7,440
Construction and other consumer real estate	639		—		5		—		644
Bankcard and other revolving plans	499		—		3		—		502
Other	168		—		—		—		168
Total consumer loans	11,610		—		73		—		11,683		51
Total	$	47,431	$	416	$	770	$	—	$	48,617	$	503

	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

	June 30, 2019
(In millions)	Unpaid principal balance		Recorded investment				Total recorded investment		Related allowance
			with no allowance		with allowance
Commercial:
Commercial and industrial	$	129	$	36	$	62	$	98	$	10
Owner-occupied	63		44		11		55		1
Municipal	1		1		—		1		—
Total commercial	193		81		73		154		11
Commercial real estate:
Construction and land development	—		—		—		—		—
Term	38		32		2		34		—
Total commercial real estate	38		32		2		34		—
Consumer:
Home equity credit line	15		12		2		14		—
1-4 family residential	60		29		23		52		2
Construction and other consumer real estate	3		1		2		3		—
Other	—		—		—		—		—
Total consumer loans	78		42		27		69		2
Total	$	309	$	155	$	102	$	257	$	13

	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 June 30, 2019				Six Months Ended June 30, 2019
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	108	$	1	$	96	$	2
Owner-occupied	59		—		60		—
Municipal	1		—		1		—
Total commercial	168		1		157		2
Commercial real estate:
Construction and land development	—		—		—		—
Term	39		—		37		—
Total commercial real estate	39		—		37		—
Consumer:
Home equity credit line	14		—		14		—
1-4 family residential	55		—		55		—
Construction and other consumer real estate	3		—		2		—
Other	—		—		—		—
Total consumer loans	72		—		71		—
Total	$	279	$	1	$	265	$	2

	Three Months Ended June 30, 2018				Six Months Ended June 30, 2018
(In millions)	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
Commercial:
Commercial and industrial	$	138	$	—	$	126	$	—
Owner-occupied	54		—		55		8
Municipal	1		—		1		—
Total commercial	193		—		182		8
Commercial real estate:
Construction and land development	5		—		5		—
Term	58		—		53		—
Total commercial real estate	63		—		58		—
Consumer:
Home equity credit line	15		—		14		—
1-4 family residential	57		—		55		—
Construction and other consumer real estate	2		—		1		—
Other	—		—		—		—
Total consumer loans	74		—		70		—
Total	$	330	$	—	$	310	$	8

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	June 30, 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	$	9	$	29
Owner-occupied	4		1		—		—		3		6		14
Municipal	—		—		—		—		—		—		—
Total commercial	6		5		—		—		17		15		43
Commercial real estate:
Construction and land development	—		—		—		—		—		—		—
Term	1		2		—		1		—		4		8
Total commercial real estate	1		2		—		1		—		4		8
Consumer:
Home equity credit line	—		2		7		—		—		3		12
1-4 family residential	1		1		6		—		1		24		33
Construction and other consumer real estate	—		1		—		—		—		—		1
Total consumer loans	1		4		13		—		1		27		46
Total accruing	8		11		13		1		18		46		97
Nonaccruing
Commercial:
Commercial and industrial	1		5		—		1		1		26		34
Owner-occupied	6		1		—		—		1		6		14
Municipal	—		—		—		—		—		1		1
Total commercial	7		6		—		1		2		33		49
Commercial real estate:
Term	3		—		—		2		3		11		19
Total commercial real estate	3		—		—		2		3		11		19
Consumer:
Home equity credit line	—		—		1		—		—		1		2
1-4 family residential	—		—		1		1		1		6		9
Total consumer loans	—		—		2		1		1		7		11
Total nonaccruing	10		6		2		4		6		51		79
Total	$	18	$	17	$	15	$	5	$	24	$	97	$	176

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.

	Three Months Ended June 30, 2019						Six Months Ended June 30, 2019
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	3	$	3	$	—	$	6	$	6
Owner-occupied	—		—		—		—		—		—
Total commercial	—		3		3		—		6		6
Commercial real estate:
Term	—		—		—		—		1		1
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	4	$	4	$	—	$	8	$	8

	Three Months Ended June 30, 2018						Six Months Ended June 30, 2018
(In millions)	Accruing		Nonaccruing		Total		Accruing		Nonaccruing		Total
Commercial:
Commercial and industrial	$	—	$	5	$	5	$	—	$	5	$	5
Owner-occupied	—		—		—		—		1		1
Total commercial	—		5		5		—		6		6
Commercial real estate:
Term	—		2		2		—		2		2
Consumer:
1-4 family residential	—		1		1		—		1		1
Total	$	—	$	8	$	8	$	—	$	9	$	9

Note: Total loans modified as TDRs during the 12 months previous to June 30, 2019 and 2018 were $69 million and $73 million, respectively.

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Derivative Instruments and Hedging Activities (Tables)

6 Months Ended

Jun. 30, 2019

Summary of Derivative Instruments [Abstract]

Schedule of Derivative Instruments

	June 30, 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	$	3,500	$	26	$	—	$	—	$	—	$	—
Received-fixed interest rate swaps	1,663		—		—		687		—		—
Fair value hedges:
Received-fixed interest rate swaps	1,000		—		—		500		—		—
Total derivatives designated as hedging instruments	6,163		26		—		1,187		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives 1, 2	3,410		138		3		2,826		37		33
Offsetting interest rate derivatives 2	3,451		3		149		2,826		33		40
Other interest rate derivatives	570		2		1		300		1		1
Foreign exchange derivatives	366		3		2		389		4		2
Total derivatives not designated as hedging instruments	7,797		146		155		6,341		75		76
Total derivatives	$	13,960	$	172	$	155	$	7,528	$	75	$	76

¹ Customer-facing interest rate derivatives in an asset position include an $11 million and $3 million credit valuation adjustment reducing the fair value as of June 30, 2019 and December 31, 2018, respectively.

² The fair value amounts for these derivatives do not include the settlement amounts for those trades that are cleared. Once the settlement amounts with the clearing houses are included the derivative fair values would be the following:

	June 30, 2019				December 31, 2018
(In millions)	Other assets		Other liabilities		Other assets		Other liabilities
Customer-facing interest rate derivatives	$	136	$	3	$	7	$	33
Offsetting interest rate derivatives	3		8		33		3

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	15	$	(1)	$	—	$	—
Interest rate swaps	24		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	26		15		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							86
Offsetting interest rate derivatives							(85)
Other interest rate derivatives							(1)
Foreign exchange derivatives							6
Total derivatives not designated as hedging instruments							6
Total derivatives	$	26	$	15	$	(2)	$	6	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	18	$	(1)	$	—	$	—
Interest rate swaps	33		—		(3)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	35		18		(4)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							132
Offsetting interest rate derivatives							(130)
Other interest rate derivatives							(1)
Foreign exchange derivatives							11
Total derivatives not designated as hedging instruments							12
Total derivatives	$	35	$	18	$	(4)	$	12	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(2)		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(2)		—		(1)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(14)
Offsetting interest rate derivatives							18
Other interest rate derivatives							—
Foreign exchange derivatives							5
Total derivatives not designated as hedging instruments							9
Total derivatives	$	(2)	$	—	$	(1)	$	9	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(7)		—		(2)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(7)		—		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(43)
Offsetting interest rate derivatives							57
Other interest rate derivatives							—
Foreign exchange derivatives							10
Total derivatives not designated as hedging instruments							24
Total derivatives	$	(7)	$	—	$	(2)	$	24	$	—

Schedule Of Gain (Loss) Of Derivative Instruments

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	15	$	(1)	$	—	$	—
Interest rate swaps	24		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	26		15		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							86
Offsetting interest rate derivatives							(85)
Other interest rate derivatives							(1)
Foreign exchange derivatives							6
Total derivatives not designated as hedging instruments							6
Total derivatives	$	26	$	15	$	(2)	$	6	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2019
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	2	$	18	$	(1)	$	—	$	—
Interest rate swaps	33		—		(3)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	35		18		(4)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							132
Offsetting interest rate derivatives							(130)
Other interest rate derivatives							(1)
Foreign exchange derivatives							11
Total derivatives not designated as hedging instruments							12
Total derivatives	$	35	$	18	$	(4)	$	12	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Three Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(2)		—		(1)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(2)		—		(1)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(14)
Offsetting interest rate derivatives							18
Other interest rate derivatives							—
Foreign exchange derivatives							5
Total derivatives not designated as hedging instruments							9
Total derivatives	$	(2)	$	—	$	(1)	$	9	$	—

	Amount of derivative gain (loss) recognized/reclassified
	Six Months Ended June 30, 2018
(In millions)	Effective Portion of Derivatives Gain/(Loss) Deferred in OCI		Excluded Components Deferred in OCI (Amortization Approach)		Amount of Gain/(Loss) Reclassified From OCI into Income		Other Noninterest Income/(Expense)		Hedge Ineffectiveness / OCI Reclass due to Missed Forecast
Derivatives designated as hedging instruments:
Cash flow hedges of floating-rate assets1:
Purchased interest rate floors	$	—	$	—	$	—	$	—	$	—
Interest rate swaps	(7)		—		(2)		—		—
Fair value hedges of fixed-rate debt:
Receive-fixed interest rate swaps	—		—		—		—		—
Total derivatives designated as hedging instruments	(7)		—		(2)		—		—
Derivatives not designated as hedging instruments:
Customer-facing interest rate derivatives							(43)
Offsetting interest rate derivatives							57
Other interest rate derivatives							—
Foreign exchange derivatives							10
Total derivatives not designated as hedging instruments							24
Total derivatives	$	(7)	$	—	$	(2)	$	24	$	—

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 June 30, 2019, we estimate that $2 million will be reclassified from AOCI into interest income

Schedule of Derivative Instruments

	Gain/(loss) recorded in income
	Three Months Ended June 30, 2019						Three Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	12	$	(12)	$	—	$	—	$	—	$	—

	Gain/(loss) recorded in income
	Six Months Ended June 30, 2019						Six Months Ended June 30, 2018
(In millions)	Derivatives2		Hedged items		Total income statement impact		Derivatives2		Hedged items		Total income statement impact
Interest rate swaps1	$	18	$	(18)	$	—	$	—	$	—	$	—

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 derivatives does not reflect interest income/expense to be consistent with the presentation of the gains/ (losses) on the hedged 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)	June 30, 2019		December 31, 2018		June 30, 2019		December 31, 2018
Long-term debt	$	(1,022)	$	(505)	$	(22)	$	(5)

XML

Leases (Tables)

6 Months Ended

Jun. 30, 2019

Leases [Abstract]

Lessee, Operating Lease, Disclosure

(Dollar amounts in millions)	June 30, 2019
Operating assets and liabilities
Operating right-of-use assets, net of amortization	$	232
Operating lease liabilities	251
Weighted average remaining lease term (years)
Operating leases	9.3
Finance leases	0.9
Weighted average discount rate
Operating leases	3.2		%
Finance leases	12.6		%

Lease, Cost [Table Text Block]

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Operating lease costs	$	12	$	24
Variable lease costs	13		26
Total lease cost	$	25	$	50

Supplemental Cash Flow, Lease Related

(In millions)	Three Months Ended June 30, 2019		Six Months Ended June 30, 2019
Cash paid for amounts in the measurement of lease liabilities:
Operating cash disbursements from operating leases	$	12	$	24

Finance Lease, Liability, Maturity [Table Text Block]

(In millions)
2019 1	$	32
2020	47
2021	42
2022	37
2023	31
Thereafter	116
Total	$	305

¹ Contractual maturities for the six months remaining in 2019.

XML

Debt and Long-Term Debt (Tables)

6 Months Ended

Jun. 30, 2019

Table Text Block [Abstract]

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

Long-term debt is summarized as follows:

(In millions)	June 30, 2019		December 31, 2018
Subordinated notes	$	87	$	87
Senior notes	1,149		637
Total	$	1,236	$	724

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
Six Months Ended June 30, 2019
Balance at December 31, 2018	$	(228)	$	(1)	$	(21)	$	(250)
OCI before reclassifications, net of tax	237		36		—		273
Amounts reclassified from AOCI, net of tax	—		2		—		2
OCI	237		38		—		275
Balance at June 30, 2019	$	9	$	37	$	(21)	$	25
Income tax expense included in OCI	$	78	$	12	$	—	$	90
Six Months Ended June 30, 2018
Balance at December 31, 2017	$	(114)	$	(2)	$	(23)	$	(139)
OCI (loss) before reclassifications, net of tax	(175)		(2)		—		(177)
Amounts reclassified from AOCI, net of tax	—		1		—		1
OCI (loss)	(175)		(1)		—		(176)
Balance at June 30, 2018	$	(289)	$	(3)	$	(23)	$	(315)
Income tax benefit included in OCI	$	(58)	$	—	$	—	$	(58)

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

	Amounts reclassified from AOCI 1				Amounts reclassified from AOCI 1				Statement of income (SI) Balance sheet (BS)
(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
Details about AOCI components	2019		2018		2019		2018			Affected line item
Net unrealized losses on derivative instruments	$	(2)	$	(1)	$	(4)	$	(2)	SI	Interest and fees on loans
Income tax benefit	(1)		—		(2)		(1)
Amounts Reclassified from AOCI	(1)		(1)		(2)		(1)

¹ Negative reclassification amounts indicate decreases to earnings in the statement of income.

XML

Commitments, Guarantees, And Contingent Liabilities (Tables)

6 Months Ended

Jun. 30, 2019

Guarantees, Commitments And Contingencies [Abstract]

Schedule Of Guarantees Issued

(In millions)	June 30, 2019		December 31, 2018
Net unfunded commitments to extend credit 1	$	22,529	$	21,454
Standby letters of credit:
Financial	527		655
Performance	189		199
Commercial letters of credit	19		18
Total unfunded lending commitments	$	23,264	$	22,326

¹ Net of participations

XML

Revenue Recognition (Tables) - USD ($)
$ in Millions

3 Months Ended

6 Months Ended

Jun. 30, 2019

Jun. 30, 2018

Jun. 30, 2019

Jun. 30, 2018

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

$ 41

$ 42

$ 81

$ 84

Noninterest income, Customer-related Fees

130

125

250

247

Noninterest Income

132

138

264

276

Other service charges, commissions, and fees

58

55

113

110

Wealth Management and Trust Income

13

14

26

25

Capital Market and Foreign Exchange Gain (Loss)

9

7

16

15

Net interest income

569

548

$ 1,145

1,090

Revenue Recognition, Services, Commissions [Policy Text Block]

	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2019		2018		2019		2018
Card fee income	$	36	$	34	$	69	$	67
ATM fees	2		3		4		5
Other service charges	3		4		7		7
Other commissions and fees	4		5		8		10
Total	$	45	$	46	$	88	$	89

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	$	14	$	15	$	11	$	11	$	7	$	7
Other service charges, commissions, and fees	18		18		9		9		7		6
Wealth management and trust income	4		4		3		3		1		1
Capital markets and foreign exchange	2		1		(2)		(1)		1		1
Total noninterest income from contracts with customers (ASC 606)	38		38		21		22		16		15
Other noninterest income (Non-ASC 606 customer related)	1		—		13		9		6		4
Total customer-related fees	39		38		34		31		22		19
Other noninterest income (non-customer related)	—		—		—		—		—		—
Total noninterest income	39		38		34		31		22		19
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	179		176		132		127		140		131
Total income less interest expense	$	218	$	214	$	166	$	158	$	162	$	150

	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		3		3		3		2		2
Wealth management and trust income	—		—		1		1		—		—
Capital markets and foreign exchange	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	6		6		8		8		4		4
Other noninterest income (Non-ASC 606 customer related)	4		3		3		2		2		2
Total customer-related fees	10		9		11		10		6		6
Other noninterest income (non-customer related)	1		1		—		—		—		—
Total noninterest income	11		10		11		10		6		6
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	62		58		40		38		36		34
Total income less interest expense	$	73	$	68	$	51	$	48	$	42	$	40
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	—	$	—	$	—	$	—	$	41	$	42
Other service charges, commissions, and fees	1		1		3		4		46		46
Wealth management and trust income	—		—		4		4		13		13
Capital markets and foreign exchange	—		—		1		2		2		3
Total noninterest income from contracts with customers (ASC 606)	1		1		8		10		102		104
Other noninterest income (Non-ASC 606 customer related)	—		—		(1)		1		28		21
Total customer-related fees	1		1		7		11		130		125
Other noninterest income (non-customer related)	—		—		1		12		2		13
Total noninterest income	1		1		8		23		132		138
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	14		12		(34)		(28)		569		548
Total income less interest expense	$	15	$	13	$	(26)	$	(5)	$	701	$	686

The following schedule sets forth the noninterest income and net revenue by operating segments for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	27	$	29	$	22	$	22	$	14	$	14
Other service charges, commissions, and fees	36		35		18		19		13		12
Wealth management and trust income	8		7		5		5		2		2
Capital markets and foreign exchange	3		3		(3)		(3)		2		2
Other noninterest income from contracts with customers	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	74		74		42		43		31		30
Other noninterest income (Non-ASC 606 customer related)	(2)		(1)		26		21		10		8
Total customer-related fees	72		73		68		64		41		38
Other noninterest income (non-customer related)	—		—		—		—		—		2
Total noninterest income	72		73		68		64		41		40
Other real estate owned gain from sale	1		—		—		—		—		—
Net interest income	358		342		263		254		278		262
Total income less interest expense	$	431	$	415	$	331	$	318	$	319	$	302

	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	6	$	6	$	7	$	8	$	4	$	4
Other service charges, commissions, and fees	6		6		6		6		3		3
Wealth management and trust income	1		1		2		2		1		1
Capital markets and foreign exchange	—		—		1		—		—		—
Other noninterest income from contracts with customers	—		—		—		—		—		—
Total noninterest income from contracts with customers (ASC 606)	13		13		16		16		8		8
Other noninterest income (Non-ASC 606 customer related)	6		4		5		4		4		4
Total customer-related fees	19		17		21		20		12		12
Other noninterest income (non-customer related)	2		2		—		—		—		—
Total noninterest income	21		19		21		20		12		12
Other real estate owned gain from sale	—		—		—		—		—		—
Net interest income	122		111		80		73		72		66
Total income less interest expense	$	143	$	130	$	101	$	93	$	84	$	78
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
Service charges and fees on deposit accounts	$	1	$	1	$	—	$	—	$	81	$	84
Other service charges, commissions, and fees	1		1		5		7		88		89
Wealth management and trust income	—		—		7		7		26		25
Capital markets and foreign exchange	—		—		2		4		5		6
Other noninterest income from contracts with customers	—		—		1		1		1		1
Total noninterest income from contracts with customers (ASC 606)	2		2		15		19		201		205
Other noninterest income (Non-ASC 606 customer related)	—		1		—		1		49		42
Total customer-related fees	2		3		15		20		250		247
Other noninterest income (non-customer related)	—		—		12		25		14		29
Total noninterest income	2		3		27		45		264		276
Other real estate owned gain from sale	—		—		1		1		2		1
Net interest income	28		24		(56)		(42)		1,145		1,090
Total income less interest expense	$	30	$	27	$	(28)	$	4	$	1,411	$	1,367

Zions Bank [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

14

15

$ 27

29

Noninterest income, Customer-related Fees

39

38

72

73

Other non-interest income (non-customer related)

0

0

0

0

Noninterest Income

39

38

72

73

Gains (Losses) on Sales of Other Real Estate

0

0

1

0

Other service charges, commissions, and fees

18

18

36

35

Wealth Management and Trust Income

4

4

8

7

Capital Market and Foreign Exchange Gain (Loss)

2

1

3

3

Total non-interest income from contracts with customers (ASC 606)

38

38

74

74

Other non-interest income (Non-ASC 606 customer related)

1

0

(2)

(1)

Net interest income

179

176

358

342

Revenues

218

214

431

415

National Bank Of Arizona [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

3

3

6

6

Noninterest income, Customer-related Fees

10

9

19

17

Other non-interest income (non-customer related)

1

1

2

2

Noninterest Income

11

10

21

19

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

3

3

6

6

Wealth Management and Trust Income

0

0

1

1

Capital Market and Foreign Exchange Gain (Loss)

0

0

0

0

Total non-interest income from contracts with customers (ASC 606)

6

6

13

13

Other non-interest income (Non-ASC 606 customer related)

4

3

6

4

Net interest income

62

58

122

111

Revenues

73

68

143

130

Nevada State Bank [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

4

4

7

8

Noninterest income, Customer-related Fees

11

10

21

20

Other non-interest income (non-customer related)

0

0

0

0

Noninterest Income

11

10

21

20

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

3

3

6

6

Wealth Management and Trust Income

1

1

2

2

Capital Market and Foreign Exchange Gain (Loss)

0

0

1

0

Total non-interest income from contracts with customers (ASC 606)

8

8

16

16

Other non-interest income (Non-ASC 606 customer related)

3

2

5

4

Net interest income

40

38

80

73

Revenues

51

48

101

93

Vectra Bank Colorado [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

2

2

4

4

Noninterest income, Customer-related Fees

6

6

12

12

Other non-interest income (non-customer related)

0

0

0

0

Noninterest Income

6

6

12

12

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

2

2

3

3

Wealth Management and Trust Income

0

0

1

1

Capital Market and Foreign Exchange Gain (Loss)

0

0

0

0

Total non-interest income from contracts with customers (ASC 606)

4

4

8

8

Other non-interest income (Non-ASC 606 customer related)

2

2

4

4

Net interest income

36

34

72

66

Revenues

42

40

84

78

Commerce Bank Of Washington [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

0

0

1

1

Noninterest income, Customer-related Fees

1

1

2

3

Other non-interest income (non-customer related)

0

0

0

0

Noninterest Income

1

1

2

3

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

1

1

1

1

Wealth Management and Trust Income

0

0

0

0

Capital Market and Foreign Exchange Gain (Loss)

0

0

0

0

Total non-interest income from contracts with customers (ASC 606)

1

1

2

2

Other non-interest income (Non-ASC 606 customer related)

0

0

0

1

Net interest income

14

12

28

24

Revenues

15

13

30

27

Other Segment [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

0

0

0

0

Noninterest income, Customer-related Fees

7

11

15

20

Other non-interest income (non-customer related)

1

12

12

25

Noninterest Income

8

23

27

45

Gains (Losses) on Sales of Other Real Estate

0

0

1

1

Other service charges, commissions, and fees

3

4

5

7

Wealth Management and Trust Income

4

4

7

7

Capital Market and Foreign Exchange Gain (Loss)

1

2

2

4

Total non-interest income from contracts with customers (ASC 606)

8

10

15

19

Other non-interest income (Non-ASC 606 customer related)

(1)

1

0

1

Net interest income

(34)

(28)

(56)

(42)

Revenues

26

(5)

(28)

4

Amegy Corporation [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

11

11

22

22

Noninterest income, Customer-related Fees

34

31

68

64

Other non-interest income (non-customer related)

0

0

0

0

Noninterest Income

34

31

68

64

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

9

9

18

19

Wealth Management and Trust Income

3

3

5

5

Capital Market and Foreign Exchange Gain (Loss)

(2)

(1)

(3)

(3)

Total non-interest income from contracts with customers (ASC 606)

21

22

42

43

Other non-interest income (Non-ASC 606 customer related)

13

9

26

21

Net interest income

132

127

263

254

Revenues

166

158

331

318

California Bank Trust [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

7

7

14

14

Noninterest income, Customer-related Fees

22

19

41

38

Other non-interest income (non-customer related)

0

0

0

2

Noninterest Income

22

19

41

40

Gains (Losses) on Sales of Other Real Estate

0

0

0

0

Other service charges, commissions, and fees

7

6

13

12

Wealth Management and Trust Income

1

1

2

2

Capital Market and Foreign Exchange Gain (Loss)

1

1

2

2

Total non-interest income from contracts with customers (ASC 606)

16

15

31

30

Other non-interest income (Non-ASC 606 customer related)

6

4

10

8

Net interest income

140

131

278

262

Revenues

162

150

319

302

Consolidated Entities [Member]

Segment Reporting Information [Line Items]

Service Charges and Fees on Deposit Accounts

41

42

81

84

Noninterest income, Customer-related Fees

130

125

250

247

Other non-interest income (non-customer related)

2

13

14

29

Noninterest Income

132

138

264

276

Gains (Losses) on Sales of Other Real Estate

0

0

2

1

Other service charges, commissions, and fees

46

46

88

89

Wealth Management and Trust Income

13

13

26

25

Capital Market and Foreign Exchange Gain (Loss)

2

3

5

6

Total non-interest income from contracts with customers (ASC 606)

102

104

201

205

Other non-interest income (Non-ASC 606 customer related)

28

21

49

42

Net interest income

569

548

1,145

1,090

Revenues

$ 701

$ 686

$ 1,411

$ 1,367

XML

Retirement Plans (Tables)

6 Months Ended

Jun. 30, 2019

Defined Benefit Plan [Abstract]

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

(In millions)	Three Months Ended June 30,				Six Months Ended June 30,
	2019		2018		2019		2018
Interest cost	$	1	$	1	$	3	$	3
Expected return on plan assets	(2)		(3)		(4)		(6)
Partial settlement loss	—		—		—		1
Amortization of net actuarial loss	1		1		1		1
Net periodic cost (benefit)	$	—	$	(1)	$	—	$	(1)

XML

Net Earnings per Common Share (Tables)

6 Months Ended

Jun. 30, 2019

Table Text Block Supplement [Abstract]

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

	Three Months Ended June 30,				Six Months Ended June 30,
(In millions, except shares and per share amounts)	2019		2018		2019		2018
Basic:
Net income	$	198	$	197	$	411	$	435
Less common and preferred dividends	63		57		127		104
Undistributed earnings	135		140		284		331
Less undistributed earnings applicable to nonvested shares	1		1		2		3
Undistributed earnings applicable to common shares	134		139		282		328
Distributed earnings applicable to common shares	54		47		110		86
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Net earnings per common share	$	1.05	$	0.95	$	2.15	$	2.11
Diluted:
Total earnings applicable to common shares	$	188	$	186	$	392	$	414
Weighted average common shares outstanding (in thousands)	179,156		195,583		181,946		196,149
Dilutive effect of common stock warrants (in thousands)	9,318		12,640		9,587		12,627
Dilutive effect of stock options (in thousands)	624		1,024		673		1,083
Weighted average diluted common shares outstanding (in thousands)	189,098		209,247		192,206		209,859
Net earnings per common share	$	0.99	$	0.89	$	2.04	$	1.97

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

	Three Months Ended June 30,		Six Months Ended June 30,
(In thousands)	2019	2018	2019	2018
Restricted stock and restricted stock units	1,446	1,709	1,435	1,733
Stock options	492	194	411	120

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Operating Segment Information (Tables)

6 Months Ended

Jun. 30, 2019

Segment Reporting Information [Line Items]

Operating Segment Information

OPERATING SEGMENT INFORMATIONWe 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 June 30, 2019, our banking business is conducted through 7 locally managed and branded segments in distinct geographical areas. Zions Bank operates 98 branches in Utah, 24 branches in Idaho, and one branch in Wyoming. Amegy operates 74 branches in Texas. CB&T operates 87 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 two branches in Washington and one branch in Oregon.

The operating segment identified as “Other” includes certain non-bank 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 June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	179	$	176	$	132	$	127	$	140	$	131
Provision for credit losses	16		5		(8)		(6)		9		2
Net interest income after provision for loan losses	163		171		140		133		131		129
Noninterest income	39		38		34		31		22		19
Noninterest expense	120		117		86		86		82		76
Income (loss) before income taxes	$	82	$	92	$	88	$	78	$	71	$	72
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,067	$	12,633	$	12,254	$	11,387	$	10,838	$	9,908
Total average deposits	15,455		15,346		11,361		11,060		11,412		11,181

	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	62	$	58	$	40	$	38	$	36	$	34
Provision for credit losses	2		7		—		—		1		2
Net interest income after provision for loan losses	60		51		40		38		35		32
Noninterest income	11		10		11		10		6		6
Noninterest expense	38		38		37		36		27		25
Income (loss) before income taxes	$	33	$	23	$	14	$	12	$	14	$	13
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,847	$	4,640	$	2,570	$	2,349	$	3,105	$	2,881
Total average deposits	5,048		4,942		4,406		4,314		2,811		2,784
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	12	$	(34)	$	(28)	$	569	$	548
Provision for credit losses	2		1		(1)		1		21		12
Net interest income after provision for loan losses	12		11		(33)		(29)		548		536
Noninterest income	1		1		8		23		132		138
Noninterest expense	5		5		29		38		424		421
Income (loss) before income taxes	$	8	$	7	$	(54)	$	(44)	$	256	$	253
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,203	$	1,117	$	440	$	327	$	48,324	$	45,242
Total average deposits	1,053		1,048		2,801		2,221		54,347		52,896

The following schedule presents selected operating segment information for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	358	$	342	$	263	$	254	$	278	$	262
Provision for loan losses	26		3		(23)		(59)		12		5
Net interest income after provision for loan losses	332		339		286		313		266		257
Noninterest income	72		73		68		64		41		40
Noninterest expense	237		231		174		173		164		154
Income (loss) before income taxes	$	167	$	181	$	180	$	204	$	143	$	143
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,004	$	12,543	$	12,058	$	11,379	$	10,707	$	9,919
Total average deposits	15,490		15,211		11,401		10,938		11,328		11,150
	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	122	$	111	$	80	$	73	$	72	$	66
Provision for credit losses	4		9		(1)		—		5		5
Net interest income after provision for loan losses	118		102		81		73		67		61
Noninterest income	21		19		21		20		12		12
Noninterest expense	78		75		73		72		54		52
Income (loss) before income taxes	$	61	$	46	$	29	$	21	$	25	$	21
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,798	$	4,591	$	2,535	$	2,349	$	3,080	$	2,837
Total average deposits	4,972		4,863		4,368		4,269		2,816		2,748

	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	28	$	24	$	(56)	$	(42)	$	1,145	$	1,090
Provision for credit losses	2		2		—		—		25		(35)
Net interest income after provision for loan losses	26		22		(56)		(42)		1,120		1,125
Noninterest income	2		3		27		45		264		276
Noninterest expense	11		11		63		72		854		840
Income (loss) before income taxes	$	17	$	14	$	(92)	$	(69)	$	530	$	561
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,156	$	1,135	$	412	$	301	$	47,750	$	45,054
Total average deposits	1,064		1,060		2,694		2,208		54,133		52,447

Schedule of Segment Reporting Information, by Segment

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	179	$	176	$	132	$	127	$	140	$	131
Provision for credit losses	16		5		(8)		(6)		9		2
Net interest income after provision for loan losses	163		171		140		133		131		129
Noninterest income	39		38		34		31		22		19
Noninterest expense	120		117		86		86		82		76
Income (loss) before income taxes	$	82	$	92	$	88	$	78	$	71	$	72
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,067	$	12,633	$	12,254	$	11,387	$	10,838	$	9,908
Total average deposits	15,455		15,346		11,361		11,060		11,412		11,181

	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	62	$	58	$	40	$	38	$	36	$	34
Provision for credit losses	2		7		—		—		1		2
Net interest income after provision for loan losses	60		51		40		38		35		32
Noninterest income	11		10		11		10		6		6
Noninterest expense	38		38		37		36		27		25
Income (loss) before income taxes	$	33	$	23	$	14	$	12	$	14	$	13
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,847	$	4,640	$	2,570	$	2,349	$	3,105	$	2,881
Total average deposits	5,048		4,942		4,406		4,314		2,811		2,784
	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	14	$	12	$	(34)	$	(28)	$	569	$	548
Provision for credit losses	2		1		(1)		1		21		12
Net interest income after provision for loan losses	12		11		(33)		(29)		548		536
Noninterest income	1		1		8		23		132		138
Noninterest expense	5		5		29		38		424		421
Income (loss) before income taxes	$	8	$	7	$	(54)	$	(44)	$	256	$	253
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,203	$	1,117	$	440	$	327	$	48,324	$	45,242
Total average deposits	1,053		1,048		2,801		2,221		54,347		52,896

The following schedule presents selected operating segment information for the six months ended June 30, 2019 and 2018:

	Zions Bank				Amegy				CB&T
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	358	$	342	$	263	$	254	$	278	$	262
Provision for loan losses	26		3		(23)		(59)		12		5
Net interest income after provision for loan losses	332		339		286		313		266		257
Noninterest income	72		73		68		64		41		40
Noninterest expense	237		231		174		173		164		154
Income (loss) before income taxes	$	167	$	181	$	180	$	204	$	143	$	143
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	13,004	$	12,543	$	12,058	$	11,379	$	10,707	$	9,919
Total average deposits	15,490		15,211		11,401		10,938		11,328		11,150
	NBAZ				NSB				Vectra
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	122	$	111	$	80	$	73	$	72	$	66
Provision for credit losses	4		9		(1)		—		5		5
Net interest income after provision for loan losses	118		102		81		73		67		61
Noninterest income	21		19		21		20		12		12
Noninterest expense	78		75		73		72		54		52
Income (loss) before income taxes	$	61	$	46	$	29	$	21	$	25	$	21
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	4,798	$	4,591	$	2,535	$	2,349	$	3,080	$	2,837
Total average deposits	4,972		4,863		4,368		4,269		2,816		2,748

	TCBW				Other				Consolidated Bank
(In millions)	2019		2018		2019		2018		2019		2018
SELECTED INCOME STATEMENT DATA
Net interest income	$	28	$	24	$	(56)	$	(42)	$	1,145	$	1,090
Provision for credit losses	2		2		—		—		25		(35)
Net interest income after provision for loan losses	26		22		(56)		(42)		1,120		1,125
Noninterest income	2		3		27		45		264		276
Noninterest expense	11		11		63		72		854		840
Income (loss) before income taxes	$	17	$	14	$	(92)	$	(69)	$	530	$	561
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans	$	1,156	$	1,135	$	412	$	301	$	47,750	$	45,054
Total average deposits	1,064		1,060		2,694		2,208		54,133		52,447

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Basis of Presentation (Details)	Jun. 30, 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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Accounting Policies (Details) $ in Millions	Jan. 01, 2019 USD ($)
Accounting Policies [Abstract]
Cumulative Effect of New Accounting Principle in Period of Adoption	$ 3
Assets added upon adoption of new lease accounting standard	225
Liabilities added upon adoption of new lease accounting standard	$ 242

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Fair Value (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018
Derivatives, Fair Value [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings	$ 0	$ 0	$ 0	$ (3,000,000)
Derivative Credit Risk Valuation Adjustment, Derivative Liabilities		2,000,000		2,000,000
Other noninterest-bearing investments valued under the cost method	9,000,000		9,000,000		$ 10,000,000
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	332,000,000		332,000,000			$ 329,000,000
Fair value of AFS securities	14,672,000,000		14,672,000,000			14,737,000,000
Principal amount of other real estate owned property sold			2,000,000	2,000,000
Equity Method Investments, Fair Value Disclosure	38,000,000		38,000,000			35,000,000
Fair Value, Inputs, Level 1 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	40,000,000		40,000,000			40,000,000
Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	14,632,000,000		14,632,000,000			14,697,000,000
Fair Value, Inputs, Level 3 [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	0		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		0.94			0.95
Interest Rate Swaps For Customers [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	11,000,000		11,000,000			36,000,000
Other Assets, Fair Value Disclosure	139,000,000		139,000,000			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	11,000,000		11,000,000			36,000,000
Other Assets, Fair Value Disclosure	139,000,000		139,000,000			40,000,000
Available-for-sale Securities [Member]
Derivatives, Fair Value [Line Items]
Fair value of AFS securities	1,350,000,000		1,350,000,000			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	1,350,000,000		1,350,000,000			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	0	$ 0	1,000,000	$ 1,000,000
Derivatives [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	1,000,000		1,000,000			1,000,000
Other Assets, Fair Value Disclosure	2,000,000		2,000,000			1,000,000
Derivatives [Member] | Fair Value, Inputs, Level 1 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure	2,000,000		2,000,000			2,000,000
Other Assets, Fair Value Disclosure	$ 3,000,000		$ 3,000,000			4,000,000
Derivatives [Member] | Fair Value, Inputs, Level 2 [Member]
Derivatives, Fair Value [Line Items]
Other Liabilities, Fair Value Disclosure						$ 1,000,000

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Fair Value (Schedule Of Assets And Liabilities Measured At Fair Value By Class On A Recurring Basis) (Details) - USD ($)	Jun. 30, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	$ 14,672,000,000	$ 14,737,000,000
Debt Securities, Trading, and Equity Securities, FV-NI	148,000,000	106,000,000
Assets, Fair Value Disclosure	15,742,000,000	15,619,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	66,000,000	85,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	186,000,000	219,000,000
US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	13,297,000,000	13,425,000,000
Asset-backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	25,000,000	21,000,000
Interest Rate Swaps For Customers [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	139,000,000	40,000,000
Other Liabilities, Fair Value Disclosure	11,000,000	36,000,000
Available-for-sale Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	1,350,000,000	1,291,000,000
Derivatives [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	2,000,000	1,000,000
Other Liabilities, Fair Value Disclosure	1,000,000	1,000,000
Bank-owned life insurance [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	522,000,000	516,000,000
Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Noninterest Bearing Investments Fair Value Disclosure	105,000,000	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	19,000,000	18,000,000
Derivatives Designated As Hedging Instruments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	26,000,000
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	18,000,000	14,000,000
Assets, Fair Value Disclosure	167,000,000	153,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	66,000,000	85,000,000
Financial and Nonfinancial Liabilities, Fair Value Disclosure	174,000,000	182,000,000
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] | Derivatives [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	14,632,000,000	14,697,000,000
Debt Securities, Trading, and Equity Securities, FV-NI	130,000,000	92,000,000
Assets, Fair Value Disclosure	15,451,000,000	15,346,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Financial and Nonfinancial Liabilities, Fair Value Disclosure	12,000,000	37,000,000
Fair Value, Inputs, Level 2 [Member] | US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	13,257,000,000	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	25,000,000	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	139,000,000	40,000,000
Other Liabilities, Fair Value Disclosure	11,000,000	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	2,000,000	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	1,350,000,000	1,291,000,000
Fair Value, Inputs, Level 2 [Member] | Derivatives [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	522,000,000	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] | Derivatives Designated As Hedging Instruments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	26,000,000
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments, Fair Value Disclosure	0	0
Assets, Fair Value Disclosure	124,000,000	120,000,000
Financial Instruments Sold, Not yet Purchased, at Fair Value	0	0
Financial and Nonfinancial Liabilities, Fair Value Disclosure	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	105,000,000	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	19,000,000	18,000,000
Deferred Compensation Arrangement with Individual, by Type of Compensation, Pension and Other Postretirement Benefits [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure	106,000,000	95,000,000
Other Liabilities, Fair Value Disclosure	106,000,000	95,000,000
Deferred Compensation Arrangement with Individual, by Type of Compensation, Pension and Other Postretirement Benefits [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other Assets, Fair Value Disclosure		95,000,000
Deferred Compensation Arrangement with Individual, by Type of Compensation, Pension and Other Postretirement Benefits [Member] | 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	106,000,000
Other Liabilities, Fair Value Disclosure	106,000,000	95,000,000
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

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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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	$ 107	$ 100	$ 102	$ 95
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	(2)	1	(1)	1
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	0	0	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	1	4	6
Fair value of assets, Ending balance	105	102	105	102
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of assets, Beginning balance	17	18	18	18
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	0	0	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Noninterest Income	2	0	1	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	0	0	0
Fair value of assets, Ending balance	$ 19	$ 18	$ 19	$ 18

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Fair Value (Schedule Of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	$ 15,742		$ 15,742			$ 15,619
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	105	$ 102	105	$ 102	$ 107	102	$ 100	$ 95
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	(2)	1	(1)	1
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	1	4	6
Servicing Contracts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value	19	18	19	18	$ 17	18	$ 18	$ 18
Fair Value, Assets Measured On Recurring Basis, And Gain (Loss) Included In Equity Securities Gains (Losses), Net	0	0	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases	0	$ 0	0	$ 0
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	6		6			32
Private Equity Funds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	0		0			1
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	1		1			0
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	7		7			33
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	167		167			153
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			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			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			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			0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	15,451		15,451			15,346
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	6		6			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			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		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	7		7			32
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	124		124			120
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			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		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			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		$ 0			$ 1

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Fair Value (Schedule Of Assets With Fair Value Changes On Nonrecurring Basis) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Principal amount of other real estate owned property sold			$ 2	$ 2
Gains (losses) from fair value changes	$ (9)	$ (1)	(9)	(6)
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	(9)	(1)	(9)	(5)
Private Equity Investments [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	0	0	0
Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	$ 0	$ 0	$ 0	$ (1)

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Fair Value (Schedule Of Carrying Values And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity, fair value	$ 698
Long-term Debt	(1,236)	$ (724)
Fair Value, Inputs, Level 2 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Debt Securities, Held-to-maturity	695	774
Time deposits	4,915	4,336
Long-term Debt	(1,236)	(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	48,219	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	698	767
Time deposits	4,923	4,319
Long-term Debt	(1,248)	(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	$ 47,475	$ 45,251

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Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 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	$ 620	$ 1,461
Gross amounts recognized	876	1,461
Gross amounts offset in the balance sheet	(256)	0
Net amounts presented in the balance sheet	620	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	146	7
Gross amounts recognized	170	45
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	170	45
Gross amounts not offset in the balance sheet	(10)	(35)
Cash Collateral Received/Pledged	(14)	(3)
Assets, Total [Member] | Assets [Member]
Offsetting Assets [Line Items]
Net amount	766	1,468
Gross amounts recognized	1,046	1,506
Gross amounts offset in the balance sheet	(256)	0
Net amounts presented in the balance sheet	790	1,506
Gross amounts not offset in the balance sheet	(10)	(35)
Cash Collateral Received/Pledged	(14)	(3)
Federal Funds Purchased and Securities Sold under Agreements to Repurchase [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	6,023	5,653
Gross amounts recognized	6,279	5,653
Gross amounts offset in the balance sheet	(256)	0
Net amounts presented in the balance sheet	6,023	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	2	3
Gross amounts recognized	14	39
Gross amounts offset in the balance sheet	0	0
Net amounts presented in the balance sheet	14	39
Gross amounts not offset in the balance sheet	(10)	(35)
Cash Collateral Received/Pledged	(2)	(1)
Liabilities, Total [Member] | Other Liabilities [Member]
Offsetting Assets [Line Items]
Net amount	6,025	5,656
Gross amounts recognized	6,293	5,692
Gross amounts offset in the balance sheet	(256)	0
Net amounts presented in the balance sheet	6,037	5,692
Gross amounts not offset in the balance sheet	(10)	(35)
Cash Collateral Received/Pledged	$ (2)	$ (1)

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Investment Securities (Narrative) (Details) $ in Millions	Jun. 30, 2019 USD ($) hTMNumber investment	Dec. 31, 2018 USD ($) hTMNumber investment
Investment [Line Items]
Other Real Estate, Foreclosed Assets, and Repossessed Assets	$ 1	$ 2
Number of HTM investment securities in an unrealized loss position | hTMNumber	284	606
Number of AFS investment securities in an unrealized loss position | investment	1,182	2,588
Carrying value of pledged securities	$ 2,100	$ 2,600

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Investment Securities (Summary Of Investment Securities) (Details) - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Investment [Line Items]
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost	$ 138
Held-to-maturity, fair value	698
Available-for-sale, Amortized cost	14,659	$ 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
Available-for-sale, Estimated fair value	14,672	14,737
Available-for-sale Securities, Gross Unrealized Gain	121
Available-for-sale, Amortized cost	14,659
Available-for-sale, Gross unrealized losses, Recognized in OCI	108
Available-for-sale securities, Estimated fair value	14,672	14,737
amortized cost of investment securities	15,354	15,814
Gross Unrealized Gains of Investment Securities Recognized in OCI	126	27
Gross Unrealized Losses of Investment Securities Recognized in OCI	110	337
Estimated Fair Value of Investment Securities	15,370	15,504
Held-to-maturity, Due in one year or less, Estimated fair value	138
Available-for-sale, Due in one year or less, Amortized cost	177
Available-for-sale, Due in one year or less, Estimated fair value	177
Held-to-maturity, Due after one year through five years, Amortized cost	258
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after One Through Five Years, Fair Value	259
Available-for-sale, Due after one year through five years, Amortized cost	633
Available-for-sale, Due after one year through five years, Estimated fair value	636
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost	155
Held-to-maturity, Due after five years through ten years, Estimated fair value	158
Available-for-sale, Due after five years through ten years, Amortized cost	2,824
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after Five Through Ten Years, Fair Value	2,835
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost	144
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	143
Available-for-sale, Due after ten years, Amortized cost	11,025
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	11,024
Held-to-maturity, Amortized cost	695
Available-for-sale, Other debt securities [Member]
Investment [Line Items]
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	0	4
Available-for-sale, Estimated fair value	25	21
Small Business Administration Loan Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Amortized cost	1,790	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	40	47
Available-for-sale, Estimated fair value	1,751	1,996
Agency Guaranteed Mortgage Backed Securities [Member]
Investment [Line Items]
Available-for-sale, Amortized cost	10,110	10,236
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	86	18
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	63	240
Available-for-sale, Estimated fair value	10,133	10,014
Agency Securities [Member]
Investment [Line Items]
Available-for-sale, Amortized cost	1,372	1,394
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	6	0
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	5	19
Available-for-sale, Estimated fair value	1,373	1,375
US Treasury Securities [Member]
Investment [Line Items]
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
Available-for-sale, Estimated fair value	40	40
US States and Political Subdivisions Debt Securities [Member]
Investment [Line Items]
Held-to-maturity, fair value	698	767
Held-to-maturity, Amortized cost	695	774
Available-for-sale, Amortized cost	1,322	1,303
Available-For-Sale Debt Securities, Gross Unrealized Gains, Recognized In O C I	28	4
Available-For-Sale Debt Securities, Gross Unrealized Losses, Recognized In O C I	0	16
Available-for-sale, Estimated fair value	1,350	1,291
Held-to-maturity Securities, Unrecognized Holding Gain (Deprecated 2018-01-31)	5	4
Held-to-maturity Securities, Unrecognized Holding Loss (Deprecated 2018-01-31)	$ 2	$ 11

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Investment Securities (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Jun. 30, 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	$ 138
Held-to-maturity, Due in one year or less, Estimated fair value	138
Held-to-maturity, Due after one year through five years, Amortized cost	258
Held-to-maturity, Due after one year through five years, Estimated fair value	259
Held-to-maturity, Due after five years through ten years, Amortized cost	155
Held-to-maturity, Due after five years through ten years, Estimated fair value	158
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost	144
Held-to-maturity, Due after ten years, Estimated fair value	143
Held-to-maturity, Amortized cost	695
Held-to-maturity, fair value	698
Available-for-sale, Due in one year or less, Amortized cost	177
Available-for-sale, Due in one year or less, Estimated fair value	177
Available-for-sale, Due after one year through five years, Amortized cost	633
Available-for-sale, Due after one year through five years, Estimated fair value	636
Available-for-sale, Due after five years through ten years, Amortized cost	2,824
Available-for-sale, Due after five years through ten years, Estimated fair value	2,835
Available-for-sale, Due after ten years, Amortized cost	11,025
Available-for-sale, Due after ten years, Estimated fair value	11,024
Available-for-sale, Amortized cost	14,659	$ 15,040
Available-for-sale, Estimated fair value	$ 14,672	$ 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	Jun. 30, 2019	Dec. 31, 2018
Investment [Line Items]
Investment Securities Gross Unrealized Losses Less Than 12 Months	$ 2	$ 40
Investment Securities Estimated Fair Value Less Than 12 Months	163	2,858
Investment Securities Gross Unrealized Losses 12 Months or More	108	297
Investment Securities Estimated Fair Value 12 Months or More	7,020	9,375
Investment Securities Gross Unrealized Losses Total	110	337
Investment Securities Estimated Fair Value Total	7,183	12,233
Available-for-sale Securities [Member]
Investment [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	2	39
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	150	2,772
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	106	287
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,745	8,937
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	108	326
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$ 6,895	$ 11,709

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Investment Securities (Rollforward Of Total Amount Of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Noninterest Income	$ 95	$ 85	$ 191	$ 170
Taxable [Member]
Noninterest Income	83	73	168	147
Nontaxable [Member]
Noninterest Income	12	12	23	23
Held-to-maturity Securities [Member]
Noninterest Income	6	6	12	12
Held-to-maturity Securities [Member] | Taxable [Member]
Noninterest Income	2	3	4	5
Held-to-maturity Securities [Member] | Nontaxable [Member]
Noninterest Income	4	3	8	7
Available-for-sale Securities [Member]
Noninterest Income	87	77	176	155
Available-for-sale Securities [Member] | Taxable [Member]
Noninterest Income	81	70	164	142
Available-for-sale Securities [Member] | Nontaxable [Member]
Noninterest Income	6	7	12	13
Other Trading [Member]
Noninterest Income	2	2	3	3
Other Trading [Member] | Taxable [Member]
Noninterest Income	0	0	0	0
Other Trading [Member] | Nontaxable [Member]
Noninterest Income	$ 2	$ 2	$ 3	$ 3

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Investment Securities (Gains And Losses, Including OTTI, Recognized In Statement Of Income) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Investments [Abstract]
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	$ 1	$ 4	$ 5	$ 6
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	4	3	7	5
Gain (Loss) on Investments	$ (3)	$ 1	$ (2)	$ 1

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Loans And Allowance For Credit Losses (Narrative) (Details)		3 Months Ended			6 Months Ended
		Jun. 30, 2019 USD ($)		Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($) d		Jun. 30, 2018 USD ($)	Mar. 31, 2019 USD ($)	Dec. 31, 2018 USD ($)	Mar. 31, 2018 USD ($)	Dec. 31, 2017 USD ($)
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		$ 14,883,000,000			$ 14,883,000,000				$ 14,513,000,000
Average recorded investment		279,000,000		$ 330,000,000	265,000,000		$ 310,000,000
Interest income recognized		1,000,000		0	2,000,000		8,000,000
Impaired Financing Receivable, Recorded Investment		257,000,000			257,000,000				261,000,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		14,000,000			14,000,000				9,000,000
Loans Modified As Troubled Debt Restructurings Loans					69,000,000		73,000,000
Unfunded Lending Commitments on Troubled Debt Restructuring		12,000,000			12,000,000				11,000,000
Loans and Leases Receivable, Gross		48,617,000,000			48,617,000,000				46,714,000,000
Financing Receivable, Recorded Investment, Current		48,402,000,000			48,402,000,000				46,539,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4,000,000		8,000,000	8,000,000		9,000,000
Unearned income and fees, net of related costs		52,000,000			52,000,000				50,000,000
Land Development Loans		210,000,000			210,000,000				237,000,000
Loans at carrying value pledged as collateral for current and potential borrowings		23,300,000,000			23,300,000,000				22,600,000,000
Payments for Origination and Purchases of Loans Held-for-sale		170,000,000		235,000,000	263,000,000		400,000,000
Principal Balance of Loans Sold, Serviced Loans		2,200,000,000			2,200,000,000
Loans and Leases Receivable, Gain (Loss) on Sales, Net		3,000,000		4,000,000	5,000,000		7,000,000
Principle amount of loans held for sale sold		132,000,000		206,000,000	$ 250,000,000		312,000,000
Minimum number of days past due for nonaccrual status | d					90
Recorded investment in TDR loans modified with interest rates below market		84,000,000			$ 84,000,000				88,000,000
Provision for Loan and Lease Losses		20,000,000		5,000,000	22,000,000		(35,000,000)
Provision for Unfunded Lending Commitments (decrease)		1,000,000		7,000,000	3,000,000		0
Other Real Estate, Foreclosed Assets, and Repossessed Assets		1,000,000			1,000,000				2,000,000
Other Real Estate, In Process of Forecloseing Assets		8,000,000			8,000,000				10,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		121,000,000			121,000,000				89,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		94,000,000			94,000,000				86,000,000
Financing Receivable, Recorded Investment, Past Due		215,000,000			215,000,000				175,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17,000,000			17,000,000				10,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	148,000,000			148,000,000				145,000,000
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		489,000,000			489,000,000				486,000,000
Allowance for loan losses		503,000,000		490,000,000	503,000,000		490,000,000	$ 497,000,000	495,000,000	$ 473,000,000	$ 518,000,000
Financing Receivable, Individually Evaluated for Impairment		285,000,000			285,000,000				291,000,000
Financing Receivable, Collectively Evaluated for Impairment		48,332,000,000			48,332,000,000				46,423,000,000
Loan Credit Quality Outstanding, Leasing		337,000,000			337,000,000				327,000,000
Commercial Lending Loans - Owner Occupied		7,828,000,000			7,828,000,000				7,661,000,000
Loans Credit Quality Outstanding, Municipal		2,059,000,000			2,059,000,000				1,661,000,000
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,609,000,000			2,609,000,000				2,186,000,000
Commercial Real Estate Term Loans		9,218,000,000			9,218,000,000				8,939,000,000
Loans Credit Quality Outstanding, Commercial Real Estate		11,827,000,000			11,827,000,000				11,125,000,000
Loans Credit Quality Outstanding, Home Equity Credit Line		2,929,000,000			2,929,000,000				2,937,000,000
Loans Credit Quality Outstanding, 1-4 Family Residential		7,440,000,000			7,440,000,000				7,176,000,000
Loans Credit Quality Outstanding, Construction and Other		644,000,000			644,000,000				643,000,000
Loans Credit Quality Outstanding, Bankcard		502,000,000			502,000,000				491,000,000
Loans Credit Quality Outstanding, Other		168,000,000			168,000,000				180,000,000
Impaired Financing Receivable, Related Allowance		13,000,000			13,000,000				8,000,000
Unpaid principal balance		309,000,000			309,000,000				310,000,000
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		1,000,000		1,000,000	1,000,000		1,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		1,000,000			1,000,000				1,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		1,000,000			1,000,000				1,000,000
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		1,000,000			1,000,000				1,000,000
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		3,000,000		2,000,000	2,000,000		1,000,000
Interest income recognized		0		0			0
Impaired Financing Receivable, Recorded Investment		3,000,000			3,000,000				1,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		4,000,000			4,000,000				0
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		3,000,000			3,000,000				1,000,000
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		55,000,000		57,000,000	55,000,000		55,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		52,000,000			52,000,000				57,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		44,000,000			44,000,000				42,000,000
Impaired Financing Receivable, Related Allowance		2,000,000			2,000,000				2,000,000
Unpaid principal balance		60,000,000			60,000,000				69,000,000
Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		98,000,000			98,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,000,000		5,000,000	6,000,000		5,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		85,000,000			85,000,000				82,000,000
Impaired Financing Receivable, Related Allowance		10,000,000			10,000,000				4,000,000
Unpaid principal balance		129,000,000			129,000,000				112,000,000
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		14,000,000		15,000,000	14,000,000		14,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		14,000,000			14,000,000				14,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		12,000,000			12,000,000				13,000,000
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		15,000,000			15,000,000				15,000,000
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		72,000,000		74,000,000	71,000,000		70,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		69,000,000			69,000,000				72,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		60,000,000			60,000,000				56,000,000
Impaired Financing Receivable, Related Allowance		2,000,000			2,000,000				2,000,000
Unpaid principal balance		78,000,000			78,000,000				85,000,000
Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,883,000,000			14,883,000,000				14,513,000,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		11,000,000			11,000,000				6,000,000
Loans and Leases Receivable, Gross		25,107,000,000			$ 25,107,000,000				24,162,000,000
Subsequent payment default period, number of days | d					90
Provision for Loan and Lease Losses		(23,000,000)		18,000,000	$ 22,000,000		(58,000,000)
Provision for Unfunded Lending Commitments (decrease)		(1,000,000)		3,000,000	1,000,000		(5,000,000)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		327,000,000			327,000,000				325,000,000
Allowance for loan losses		338,000,000		321,000,000	338,000,000		321,000,000	328,000,000	331,000,000	329,000,000	371,000,000
Loan Credit Quality Outstanding, Leasing		337,000,000			337,000,000				327,000,000
Commercial Lending Loans - Owner Occupied		7,828,000,000			7,828,000,000				7,661,000,000
Loans Credit Quality Outstanding, Municipal		2,059,000,000			2,059,000,000				1,661,000,000
Loans and Leases Receivable, before Fees, Gross		25,107,000,000			25,107,000,000				24,162,000,000
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		0		0	0		0
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		0			0				0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		2,000,000			2,000,000				2,000,000
Loans and Leases Receivable, Gross		11,683,000,000			$ 11,683,000,000				11,427,000,000
Subsequent payment default period, number of days | d					60
Provision for Loan and Lease Losses		(4,000,000)		8,000,000	$ (2,000,000)		9,000,000
Provision for Unfunded Lending Commitments (decrease)		0		0	0		0
Financing Receivable, Recorded Investment, Nonaccrual Status		0			0				0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		49,000,000			49,000,000				52,000,000
Allowance for loan losses		51,000,000		47,000,000	51,000,000		47,000,000	56,000,000	54,000,000	40,000,000	44,000,000
Loans and Leases Receivable, before Fees, Gross		11,683,000,000			11,683,000,000				11,427,000,000
Loans Credit Quality Outstanding, Home Equity Credit Line		2,929,000,000			2,929,000,000				2,937,000,000
Loans Credit Quality Outstanding, 1-4 Family Residential		7,440,000,000			7,440,000,000				7,176,000,000
Loans Credit Quality Outstanding, Construction and Other		644,000,000			644,000,000				643,000,000
Loans Credit Quality Outstanding, Bankcard		502,000,000			502,000,000				491,000,000
Loans Credit Quality Outstanding, Other		168,000,000			168,000,000				180,000,000
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		0			0				0
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		39,000,000		63,000,000	37,000,000		58,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		34,000,000			34,000,000				40,000,000
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment									1,000,000
Loans and Leases Receivable, Gross									11,125,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		32,000,000			32,000,000				38,000,000
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment									109,000,000
Allowance for loan losses									110,000,000
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		38,000,000			38,000,000				45,000,000
Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		0		5,000,000	0		5,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment									0
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment		1,000,000			1,000,000
Loans and Leases Receivable, Gross		11,827,000,000			11,827,000,000
Provision for Loan and Lease Losses		1,000,000		15,000,000	2,000,000		14,000,000
Provision for Unfunded Lending Commitments (decrease)		2,000,000		4,000,000	2,000,000		5,000,000
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment		113,000,000			113,000,000
Allowance for loan losses		114,000,000		122,000,000	114,000,000		122,000,000	$ 113,000,000	110,000,000	$ 104,000,000	$ 103,000,000
Land Development Loans, Loans Receivable Commercial Construction and Land Development									2,186,000,000
Commercial Real Estate Term Loans		9,218,000,000			9,218,000,000				8,939,000,000
Loans Credit Quality Outstanding, Commercial Real Estate		11,827,000,000			11,827,000,000				11,125,000,000
Construction and Land Development [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1,000,000			1,000,000				0
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,609,000,000			2,609,000,000
Commercial Real Estate Construction [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		0			0
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		0			0				1,000,000
Bankcard And Other Revolving Plans [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		0			0				1,000,000
Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		59,000,000		54,000,000	60,000,000		55,000,000
Interest income recognized		0		0	0		8,000,000
Impaired Financing Receivable, Recorded Investment		55,000,000			55,000,000				60,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		69,000,000			69,000,000				67,000,000
Impaired Financing Receivable, Related Allowance		1,000,000			1,000,000				2,000,000
Unpaid principal balance		63,000,000			63,000,000				67,000,000
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Average recorded investment		39,000,000		58,000,000	37,000,000		53,000,000
Interest income recognized		0		0	0		0
Impaired Financing Receivable, Recorded Investment		34,000,000			34,000,000				40,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		2,000,000	1,000,000		2,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status		31,000,000			31,000,000				38,000,000
Impaired Financing Receivable, Related Allowance		0			0				0
Unpaid principal balance		38,000,000			38,000,000				44,000,000
Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,683,000,000			11,683,000,000				11,427,000,000
Financing Receivable, Recorded Investment, Current		11,634,000,000			11,634,000,000				11,378,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		19,000,000			19,000,000				23,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		30,000,000			30,000,000				26,000,000
Financing Receivable, Recorded Investment, Past Due		49,000,000			49,000,000				49,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2,000,000			2,000,000				2,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	23,000,000			23,000,000				23,000,000
Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		168,000,000			168,000,000				180,000,000
Financing Receivable, Recorded Investment, Current									179,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									0
Financing Receivable, Recorded Investment, Past Due		1,000,000			1,000,000				1,000,000
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		167,000,000			167,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1,000,000			1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0			0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0				0
Finance Leases Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		337,000,000			337,000,000				327,000,000
Financing Receivable, Recorded Investment, Current									325,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									1,000,000
Financing Receivable, Recorded Investment, Past Due		0			0				2,000,000
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		7,828,000,000			7,828,000,000				7,661,000,000
Financing Receivable, Recorded Investment, Current									7,621,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									23,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									17,000,000
Financing Receivable, Recorded Investment, Past Due		57,000,000			57,000,000				40,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing									3,000,000
Owner Occupied [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		7,771,000,000			7,771,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		32,000,000			32,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		25,000,000			25,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		6,000,000			6,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	47,000,000			47,000,000				48,000,000
Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,059,000,000			2,059,000,000				1,661,000,000
Financing Receivable, Recorded Investment, Current									1,661,000,000
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		1,000,000			1,000,000				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		2,058,000,000			2,058,000,000
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		1,000,000			1,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0				1,000,000
Commercial Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		25,107,000,000			25,107,000,000				24,162,000,000
Financing Receivable, Recorded Investment, Current		24,986,000,000			24,986,000,000				24,052,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		69,000,000			69,000,000				61,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		52,000,000			52,000,000				49,000,000
Financing Receivable, Recorded Investment, Past Due		121,000,000			121,000,000				110,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		10,000,000			10,000,000				7,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	101,000,000			101,000,000				96,000,000
Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,609,000,000			2,609,000,000				2,186,000,000
Financing Receivable, Recorded Investment, Current									2,185,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									0
Financing Receivable, Recorded Investment, Past Due		29,000,000			29,000,000				1,000,000
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		2,580,000,000			2,580,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23,000,000			23,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6,000,000			6,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5,000,000			5,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0				0
Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		9,218,000,000			9,218,000,000				8,939,000,000
Financing Receivable, Recorded Investment, Current									8,924,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									4,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									11,000,000
Financing Receivable, Recorded Investment, Past Due		16,000,000			16,000,000				15,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing									1,000,000
Term [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		9,202,000,000			9,202,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10,000,000			10,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6,000,000			6,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24,000,000			24,000,000				26,000,000
Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,827,000,000			11,827,000,000				11,125,000,000
Financing Receivable, Recorded Investment, Current		11,782,000,000			11,782,000,000				11,109,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33,000,000			33,000,000				5,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		12,000,000			12,000,000				11,000,000
Financing Receivable, Recorded Investment, Past Due		45,000,000			45,000,000				16,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5,000,000			5,000,000				1,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24,000,000			24,000,000				26,000,000
Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		2,929,000,000			2,929,000,000				2,937,000,000
Financing Receivable, Recorded Investment, Current									2,927,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									4,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									6,000,000
Financing Receivable, Recorded Investment, Past Due		10,000,000			10,000,000				10,000,000
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		2,919,000,000			2,919,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		6,000,000			6,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4,000,000			4,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	6,000,000			6,000,000				4,000,000
One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		7,440,000,000			7,440,000,000				7,176,000,000
Financing Receivable, Recorded Investment, Current									7,143,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									15,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									18,000,000
Financing Receivable, Recorded Investment, Past Due		29,000,000			29,000,000				33,000,000
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		7,411,000,000			7,411,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		8,000,000			8,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21,000,000			21,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17,000,000			17,000,000				19,000,000
Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		644,000,000			644,000,000				643,000,000
Financing Receivable, Recorded Investment, Current									642,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									0
Financing Receivable, Recorded Investment, Past Due		4,000,000			4,000,000				1,000,000
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		640,000,000			640,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1,000,000			1,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		3,000,000			3,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0			0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0				0
Revolving Credit Facility [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		502,000,000			502,000,000				491,000,000
Financing Receivable, Recorded Investment, Current									487,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due									2,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due									2,000,000
Financing Receivable, Recorded Investment, Past Due		5,000,000			5,000,000				4,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing									2,000,000
Revolving Credit Facility [Member] | Bankcard And Other Revolving Plans [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		497,000,000			497,000,000
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3,000,000			3,000,000
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		2,000,000			2,000,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2,000,000			2,000,000
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0			0				0
Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		97,000,000			97,000,000				112,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Construction And Other Consumer Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				1,000,000
Accruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		33,000,000			33,000,000				39,000,000
Accruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		29,000,000			29,000,000				28,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Accruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		12,000,000			12,000,000				12,000,000
Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		46,000,000			46,000,000				52,000,000
Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		8,000,000			8,000,000				11,000,000
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			0
Accruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		14,000,000			14,000,000				21,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		8,000,000			8,000,000				11,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		176,000,000			176,000,000				202,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4,000,000		8,000,000	8,000,000		9,000,000
Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				1,000,000
Nonaccruing [Member] | One Through Four Family Residential [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		9,000,000			9,000,000				9,000,000
Nonaccruing [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		34,000,000			34,000,000				45,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3,000,000		5,000,000	6,000,000		5,000,000
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,000,000			2,000,000				1,000,000
Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		79,000,000			79,000,000				90,000,000
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		11,000,000			11,000,000				10,000,000
Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		19,000,000			19,000,000				20,000,000
Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		14,000,000			14,000,000				14,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1,000,000
Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		19,000,000			19,000,000				20,000,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		$ 2,000,000	1,000,000		$ 2,000,000
Outstanding Loan Balances [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		168,000,000			168,000,000				164,000,000
Financing Receivable, Collectively Evaluated for Impairment		24,939,000,000			24,939,000,000				23,998,000,000
Outstanding Loan Balances [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		69,000,000			69,000,000				72,000,000
Financing Receivable, Collectively Evaluated for Impairment		11,614,000,000			11,614,000,000				11,355,000,000
Outstanding Loan Balances [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment		48,000,000			48,000,000				55,000,000
Financing Receivable, Collectively Evaluated for Impairment		11,779,000,000			11,779,000,000				11,070,000,000
Pass [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		47,431,000,000			47,431,000,000				45,589,000,000
Pass [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,247,000,000			14,247,000,000				13,891,000,000
Loan Credit Quality Outstanding, Leasing		321,000,000			321,000,000				313,000,000
Commercial Lending Loans - Owner Occupied		7,524,000,000			7,524,000,000				7,369,000,000
Loans Credit Quality Outstanding, Municipal		2,032,000,000			2,032,000,000				1,632,000,000
Loans and Leases Receivable, before Fees, Gross		24,124,000,000			24,124,000,000				23,205,000,000
Pass [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,610,000,000			11,610,000,000				11,357,000,000
Loans Credit Quality Outstanding, Home Equity Credit Line		2,913,000,000			2,913,000,000				2,920,000,000
Loans Credit Quality Outstanding, 1-4 Family Residential		7,391,000,000			7,391,000,000				7,129,000,000
Loans Credit Quality Outstanding, Construction and Other		639,000,000			639,000,000				641,000,000
Loans Credit Quality Outstanding, Bankcard		499,000,000			499,000,000				488,000,000
Loans Credit Quality Outstanding, Other		168,000,000			168,000,000				179,000,000
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									2,174,000,000
Commercial Real Estate Term Loans		9,111,000,000			9,111,000,000				8,853,000,000
Loans Credit Quality Outstanding, Commercial Real Estate		11,697,000,000			11,697,000,000				11,027,000,000
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		2,586,000,000			2,586,000,000
Special Mention [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		416,000,000			416,000,000				427,000,000
Special Mention [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		273,000,000			273,000,000				322,000,000
Loan Credit Quality Outstanding, Leasing		11,000,000			11,000,000				10,000,000
Commercial Lending Loans - Owner Occupied		77,000,000			77,000,000				72,000,000
Loans Credit Quality Outstanding, Municipal		0			0				2,000,000
Loans and Leases Receivable, before Fees, Gross		361,000,000			361,000,000				406,000,000
Special Mention [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		0			0				0
Loans Credit Quality Outstanding, Home Equity Credit Line		0			0				0
Loans Credit Quality Outstanding, 1-4 Family Residential		0			0				0
Loans Credit Quality Outstanding, Construction and Other		0			0				0
Loans Credit Quality Outstanding, Bankcard		0			0				0
Loans Credit Quality Outstanding, Other		0			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									11,000,000
Commercial Real Estate Term Loans		39,000,000			39,000,000				10,000,000
Loans Credit Quality Outstanding, Commercial Real Estate		55,000,000			55,000,000				21,000,000
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		16,000,000			16,000,000
Substandard [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		770,000,000			770,000,000				698,000,000
Substandard [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		363,000,000			363,000,000				300,000,000
Loan Credit Quality Outstanding, Leasing		5,000,000			5,000,000				4,000,000
Commercial Lending Loans - Owner Occupied		227,000,000			227,000,000				220,000,000
Loans Credit Quality Outstanding, Municipal		27,000,000			27,000,000				27,000,000
Loans and Leases Receivable, before Fees, Gross		622,000,000			622,000,000				551,000,000
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		73,000,000			73,000,000				70,000,000
Loans Credit Quality Outstanding, Home Equity Credit Line		16,000,000			16,000,000				17,000,000
Loans Credit Quality Outstanding, 1-4 Family Residential		49,000,000			49,000,000				47,000,000
Loans Credit Quality Outstanding, Construction and Other		5,000,000			5,000,000				2,000,000
Loans Credit Quality Outstanding, Bankcard		3,000,000			3,000,000				3,000,000
Loans Credit Quality Outstanding, Other		0			0				1,000,000
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									1,000,000
Commercial Real Estate Term Loans		68,000,000			68,000,000				76,000,000
Loans Credit Quality Outstanding, Commercial Real Estate		75,000,000			75,000,000				77,000,000
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		7,000,000			7,000,000
Doubtful [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		0			0				0
Doubtful [Member] | Commercial [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		0			0				0
Loan Credit Quality Outstanding, Leasing		0			0				0
Commercial Lending Loans - Owner Occupied		0			0				0
Loans Credit Quality Outstanding, Municipal		0			0				0
Loans and Leases Receivable, before Fees, Gross		0			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				0
Loans Credit Quality Outstanding, Home Equity Credit Line		0			0				0
Loans Credit Quality Outstanding, 1-4 Family Residential		0			0				0
Loans Credit Quality Outstanding, Construction and Other		0			0				0
Loans Credit Quality Outstanding, Bankcard		0			0				0
Loans Credit Quality Outstanding, Other		0			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				0
Loans Credit Quality Outstanding, Commercial Real Estate		0			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			0
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member]
Loans And Allowance For Credit Losses [Line Items]
Loans and Leases Receivable, Gross		503,000,000			503,000,000
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		51,000,000			51,000,000
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		338,000,000			338,000,000
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		114,000,000			114,000,000
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		155,000,000			155,000,000				166,000,000
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		1,000,000			1,000,000				1,000,000
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		1,000,000			1,000,000				1,000,000
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		29,000,000			29,000,000				32,000,000
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		36,000,000			36,000,000				52,000,000
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		12,000,000			12,000,000				12,000,000
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		42,000,000			42,000,000				45,000,000
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				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		32,000,000			32,000,000				37,000,000
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				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		44,000,000			44,000,000				31,000,000
Impaired Financing Receivable Recorded Investment With No Allowance [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		32,000,000			32,000,000				37,000,000
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			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		2,000,000			2,000,000
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		23,000,000			23,000,000
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		2,000,000			2,000,000
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			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			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		11,000,000			11,000,000
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		2,000,000			2,000,000
Impaired Financing Receivable Related Allowance [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		102,000,000			102,000,000				95,000,000
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									25,000,000
Impaired Financing Receivable Related Allowance [Member] | Commercial And Industrial [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		62,000,000			62,000,000				36,000,000
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									2,000,000
Impaired Financing Receivable Related Allowance [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment		27,000,000			27,000,000				27,000,000
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		2,000,000			2,000,000				3,000,000
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									29,000,000
Impaired Financing Receivable Related Allowance [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment									3,000,000
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	18,000,000			18,000,000				18,000,000
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]	1,000,000			1,000,000				1,000,000
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				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									2,000,000
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]	24,000,000			24,000,000				45,000,000
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]	6,000,000			6,000,000				27,000,000
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]	1,000,000			1,000,000				1,000,000
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]	3,000,000			3,000,000				14,000,000
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]								2,000,000
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]								14,000,000
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			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	[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		1,000,000	[2]		1,000,000	[2]			1,000,000
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		14,000,000	[2]		14,000,000	[2]			15,000,000
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	[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			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]	3,000,000			3,000,000
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			0
Multiple Modification Types [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	46,000,000			46,000,000				59,000,000
Multiple Modification Types [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	27,000,000			27,000,000				32,000,000
Multiple Modification Types [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	4,000,000			4,000,000				6,000,000
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									14,000,000
Multiple Modification Types [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									6,000,000
Multiple Modification Types [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	97,000,000			97,000,000				100,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									1,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	51,000,000			51,000,000				41,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	7,000,000			7,000,000				7,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	11,000,000			11,000,000				1,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]								5,000,000
Multiple Modification Types [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]								1,000,000
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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]		0	[3]			1,000,000
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		24,000,000	[3]		24,000,000	[3]			28,000,000
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		9,000,000	[3]		9,000,000	[3]			7,000,000
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		3,000,000	[3]		3,000,000	[3]			3,000,000
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			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]	6,000,000			6,000,000
Multiple Modification Types [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment	[3]	4,000,000			4,000,000
Interest Rate Below Market [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		8,000,000			8,000,000				8,000,000
Interest Rate Below Market [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				1,000,000
Interest Rate Below Market [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				2,000,000
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									3,000,000
Interest Rate Below Market [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									2,000,000
Interest Rate Below Market [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		18,000,000			18,000,000				18,000,000
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		10,000,000			10,000,000				10,000,000
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				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		3,000,000			3,000,000				3,000,000
Interest Rate Below Market [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									6,000,000
Interest Rate Below Market [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									3,000,000
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			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				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		1,000,000			1,000,000				1,000,000
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		2,000,000			2,000,000				2,000,000
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				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			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		4,000,000			4,000,000
Interest Rate Below Market [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000
Maturity Or Team Extension [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		11,000,000			11,000,000				11,000,000
Maturity Or Team Extension [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		4,000,000			4,000,000				3,000,000
Maturity Or Team Extension [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,000,000			2,000,000				2,000,000
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									2,000,000
Maturity Or Team Extension [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									2,000,000
Maturity Or Team Extension [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		17,000,000			17,000,000				17,000,000
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		6,000,000			6,000,000				6,000,000
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				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				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			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		1,000,000			1,000,000				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		1,000,000			1,000,000				2,000,000
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		4,000,000			4,000,000				4,000,000
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		2,000,000			2,000,000				1,000,000
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			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		1,000,000			1,000,000
Maturity Or Team Extension [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,000,000			2,000,000
Principal Forgiveness [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		13,000,000			13,000,000				14,000,000
Principal Forgiveness [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		13,000,000			13,000,000				14,000,000
Principal Forgiveness [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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		15,000,000			15,000,000				16,000,000
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		2,000,000			2,000,000				2,000,000
Principal Forgiveness [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,000,000			2,000,000				2,000,000
Principal Forgiveness [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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			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				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		6,000,000			6,000,000				6,000,000
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				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		7,000,000			7,000,000				8,000,000
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			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			0
Principal Forgiveness [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Payment Deferral [Member] | Accruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				2,000,000
Payment Deferral [Member] | Accruing [Member] | Consumer Loan [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0				1,000,000
Payment Deferral [Member] | Accruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				1,000,000
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									1,000,000
Payment Deferral [Member] | Nonaccruing [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		5,000,000			5,000,000				6,000,000
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		4,000,000			4,000,000				4,000,000
Payment Deferral [Member] | Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		1,000,000			1,000,000				0
Payment Deferral [Member] | Nonaccruing [Member] | Commercial Real Estate [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		2,000,000			2,000,000				2,000,000
Payment Deferral [Member] | Nonaccruing [Member] | Owner Occupied [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									1,000,000
Payment Deferral [Member] | Nonaccruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment									2,000,000
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Municipal [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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				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		0			0				1,000,000
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				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				$ 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			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			0
Payment Deferral [Member] | Accruing [Member] | Accruing [Member] | Term [Member]
Loans And Allowance For Credit Losses [Line Items]
Financing Receivable, Modifications, Recorded Investment		$ 1,000,000			$ 1,000,000

[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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at end of period	$ 503	$ 490	$ 503	$ 490
Loans held for sale	105		105			$ 93
Loans Credit Quality Outstanding, Commercial And Industrial	14,883		14,883			14,513
Loan Credit Quality Outstanding, Leasing	337		337			327
Owner occupied	7,828		7,828			7,661
Loans Credit Quality Outstanding, Municipal	2,059		2,059			1,661
Land Development Loans, Loans Receivable Commercial Construction and Land Development	2,609		2,609			2,186
Term	9,218		9,218			8,939
Loans Credit Quality Outstanding, Commercial Real Estate	11,827		11,827			11,125
Provision for loan losses	(20)	(5)	(22)	35
Allowance for Loan and Lease Losses, Write-offs	(23)	(13)	(35)	(39)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	9	25	21	46
Net loan and lease charge-offs	14	(12)	14	(7)
Reserve for unfunded lending commitments	60	58	60	58	$ 59	57	$ 51	$ 58
Provision for Unfunded Lending Commitments (decrease)	1	7	3	0
Allowance for loan and lease losses and reserve for unfunded lending commitments	563	$ 548	563	$ 548
Loans Credit Quality Outstanding, Home Equity Credit Line	2,929		2,929			2,937
Loans Credit Quality Outstanding, 1-4 Family Residential	7,440		7,440			7,176
Loans Credit Quality Outstanding, Construction and Other	644		644			643
Loans Credit Quality Outstanding, Bankcard	502		502			491
Loans Credit Quality Outstanding, Other	168		168			180
Loans and Leases Receivable, Gross	48,617		48,617			46,714
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross	25,107		25,107			24,162
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross	$ 11,683		$ 11,683			$ 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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 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	$ (20)	$ (5)	$ (22)	$ 35
Allowance for Loan and Lease Losses, Write-offs	(23)	(13)	(35)	(39)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	497	473	495	518
Net loan and lease charge-offs	14	(12)	14	(7)
Balance at end of period	60	58	60	58
Allowance for loan losses	503	473	503	518	$ 503	$ 497	$ 495	$ 490	$ 473	$ 518
Reserve for unfunded lending commitments	60	58	60	58	60	59	57	58	51	58
Allowance for loan and lease losses and reserve for unfunded lending commitments					563			548
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	9	25	21	46
Provision for Unfunded Lending Commitments (decrease)	1	7	3	0
Balance at end of period	503	490	503	490
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	23	(18)	(22)	58
Allowance for Loan and Lease Losses, Write-offs	(19)	(10)	(27)	(30)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	328	329	331	371
Net loan and lease charge-offs	13	(10)	15	(8)
Balance at end of period	41	43	41	43
Allowance for loan losses	328	329	338	371	338	328	331	321	329	371
Reserve for unfunded lending commitments	41	43	41	43	41	42	40	43	40	48
Allowance for loan and lease losses and reserve for unfunded lending commitments					379			364
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	6	20	12	38
Provision for Unfunded Lending Commitments (decrease)	(1)	3	1	(5)
Balance at end of period	338	321	338	321
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)	(15)	(2)	(14)
Allowance for Loan and Lease Losses, Write-offs	0	0	(1)	0
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	113	104	110	103
Net loan and lease charge-offs	0	(3)	(2)	(5)
Balance at end of period	19	15	19	15
Allowance for loan losses	113	104	114	103	114	113	110	122	104	103
Reserve for unfunded lending commitments	19	15	19	15	19	17	17	15	11	10
Allowance for loan and lease losses and reserve for unfunded lending commitments					133			137
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	0	3	3	5
Provision for Unfunded Lending Commitments (decrease)	2	4	2	5
Balance at end of period	114	122	114	122
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan and Lease Losses, Provision for Loss, Gross	4	(8)	2	(9)
Allowance for Loan and Lease Losses, Write-offs	(4)	(3)	(7)	(9)
Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	56	40	54	44
Net loan and lease charge-offs	1	1	1	6
Balance at end of period	0	0	0	0
Allowance for loan losses	56	40	51	47	51	56	54	47	40	44
Reserve for unfunded lending commitments	0	0	0	0	0	$ 0	$ 0	0	$ 0	$ 0
Allowance for loan and lease losses and reserve for unfunded lending commitments					$ 51			$ 47
Allowance for Loan and Lease Losses, Recoveries of Bad Debts	3	2	6	3
Provision for Unfunded Lending Commitments (decrease)	0	0	0	0
Balance at end of period	$ 51	$ 47	$ 51	$ 47

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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	$ 279	$ 330	$ 265	$ 310
Impaired Financing Receivable, Interest Income, Accrual Method	1	0	2	8
Allowance for loan losses: Individually evaluated for impairment	(14)		(14)			$ (9)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	489		489			486
Financing Receivable, Individually Evaluated for Impairment	285		285			291
Financing Receivable, Collectively Evaluated for Impairment	48,332		48,332			46,423
Loans and Leases Receivable, Gross	48,617		48,617			46,714
Allowance for loan losses	503	490	503	490	$ 497	495	$ 473	$ 518
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	59	54	60	55
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	8
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Individually evaluated for impairment	(11)		(11)			(6)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	327		327			325
Loans and Leases Receivable, Gross	25,107		25,107			24,162
Allowance for loan losses	338	321	338	321	328	331	329	371
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	5	0	5
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Allowance for loan losses: Individually evaluated for impairment	(1)		(1)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	113		113
Loans and Leases Receivable, Gross	11,827		11,827
Allowance for loan losses	114	122	114	122	113	110	104	103
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	0	0	0	0
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Allowance for loan losses: Individually evaluated for impairment	(2)		(2)			(2)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment	49		49			52
Loans and Leases Receivable, Gross	11,683		11,683			11,427
Allowance for loan losses	51	47	51	47	$ 56	54	$ 40	$ 44
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	168	193	157	182
Impaired Financing Receivable, Interest Income, Accrual Method	1	0	2	8
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	39	58	37	53
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	39	63	37	58
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Allowance for loan losses: Individually evaluated for impairment						(1)
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						109
Loans and Leases Receivable, Gross						11,125
Allowance for loan losses						110
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	14	15	14	14
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	55	57	55	55
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	3	2	2	1
Impaired Financing Receivable, Interest Income, Accrual Method	0	0		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	72	74	71	70
Impaired Financing Receivable, Interest Income, Accrual Method	0	0	0	0
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Average Recorded Investment	1	1	1	1
Impaired Financing Receivable, Interest Income, Accrual Method	0	$ 0	0	$ 0
Outstanding Loan Balances [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	168		168			164
Financing Receivable, Collectively Evaluated for Impairment	24,939		24,939			23,998
Outstanding Loan Balances [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	48		48			55
Financing Receivable, Collectively Evaluated for Impairment	11,779		11,779			11,070
Outstanding Loan Balances [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Individually Evaluated for Impairment	69		69			72
Financing Receivable, Collectively Evaluated for Impairment	$ 11,614		$ 11,614			$ 11,355

XML

Loans And Allowance For Credit Losses (Summary Of Nonaccrual Loans) (Details) - USD ($) $ in Millions		Jun. 30, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	[1]	$ 148	$ 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		156	152
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		31	38
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		32	38
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		12	13
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		44	42
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		4	0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		60	56
Financing Receivables, Total [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total		$ 248	$ 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		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 4	$ 8	$ 8	$ 9
Financing Receivable, Recorded Investment, Current		48,402		48,402		$ 46,539
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		121		121		89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		94		94		86
Financing Receivable, Recorded Investment, Past Due		215		215		175
Loans and Leases Receivable, Gross		48,617		48,617		46,714
Accruing loans 90+ days past due		17		17		10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	148		148		145
Bankcard And Other Revolving Plans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		0		0		1
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	5	6	5
Financing Receivable, Recorded Investment, Nonaccrual Status		85		85		82
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		25,107		25,107		24,162
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	5	6	6
Financing Receivable, Recorded Investment, Nonaccrual Status		156		156		152
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,827		11,827
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		11,683		11,683		11,427
Financing Receivable, Recorded Investment, Nonaccrual Status		0		0		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		60		60		56
Finance Leases Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1		1		2
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	1
Financing Receivable, Recorded Investment, Nonaccrual Status		69		69		67
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		1		1		1
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	2	1	2
Financing Receivable, Recorded Investment, Nonaccrual Status		31		31		38
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross						11,125
Financing Receivable, Recorded Investment, Nonaccrual Status		32		32		38
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		12		12		13
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		44		44		42
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status		4		4		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,634		11,634		11,378
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		19		19		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		30		30		26
Financing Receivable, Recorded Investment, Past Due		49		49		49
Loans and Leases Receivable, Gross		11,683		11,683		11,427
Accruing loans 90+ days past due		2		2		2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	23		23		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		1
Loans and Leases Receivable, Gross		168		168		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		167		167
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		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		5		5		4
Loans and Leases Receivable, Gross		502		502		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		497		497
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		3		3
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		2		2
Accruing loans 90+ days past due		2		2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		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		4		4		1
Loans and Leases Receivable, Gross		644		644		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		640		640
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		3		3
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0		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		29		29		33
Loans and Leases Receivable, Gross		7,440		7,440		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		7,411		7,411
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		8		8
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		21		21
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	17		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		10		10		10
Loans and Leases Receivable, Gross		2,929		2,929		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		2,919		2,919
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		6		6
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		4		4
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	6		6		4
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		11,782		11,782		11,109
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33		33		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		12		12		11
Financing Receivable, Recorded Investment, Past Due		45		45		16
Loans and Leases Receivable, Gross		11,827		11,827		11,125
Accruing loans 90+ days past due		5		5		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		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		16		16		15
Loans and Leases Receivable, Gross		9,218		9,218		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		9,202		9,202
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		10		10
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6		6
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		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		29		29		1
Loans and Leases Receivable, Gross		2,609		2,609		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		2,580		2,580
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6		6
Accruing loans 90+ days past due		5		5
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0		0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		24,986		24,986		24,052
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		69		69		61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		52		52		49
Financing Receivable, Recorded Investment, Past Due		121		121		110
Loans and Leases Receivable, Gross		25,107		25,107		24,162
Accruing loans 90+ days past due		10		10		7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	101		101		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		1		1		0
Loans and Leases Receivable, Gross		2,059		2,059		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		2,058		2,058
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		1		1
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0		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		57		57		40
Loans and Leases Receivable, Gross		7,828		7,828		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		7,771		7,771
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		32		32
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		25		25
Accruing loans 90+ days past due		6		6
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	47		47		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		0		0		2
Loans and Leases Receivable, Gross		337		337		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		337		337
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		0
Accruing loans 90+ days past due		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	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		63		63		68
Loans and Leases Receivable, Gross		14,883		14,883		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		14,820		14,820
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		37		37
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		26		26
Accruing loans 90+ days past due		4		4
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	53		53		46
loans held for sale [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		105		105		89
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0		4
Financing Receivable, Recorded Investment, Past Due		0		0		4
Loans and Leases Receivable, Gross		105		105		93
Accruing loans 90+ days past due		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0		$ 2
Accruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	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	0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Accruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	0
Nonaccruing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4	8	8	9
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	5	6	5
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3	5	6	6
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0	0	0	1
Nonaccruing [Member] | Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 0	$ 2	$ 1	$ 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		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		$ 14,883		$ 14,883		$ 14,513
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4	$ 8	8	$ 9
Financing Receivable, Recorded Investment, Current		48,402		48,402		46,539
Loans held for sale		105		105		93
Loan Credit Quality Outstanding, Leasing		337		337		327
Owner occupied		7,828		7,828		7,661
Municipal		2,059		2,059		1,661
Land Development Loans, Loans Receivable Commercial Construction and Land Development		2,609		2,609		2,186
Term		9,218		9,218		8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,827		11,827		11,125
Loans Credit Quality Outstanding, Home Equity Credit Line		2,929		2,929		2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,440		7,440		7,176
Loans Credit Quality Outstanding, Construction and Other		644		644		643
Loans Credit Quality Outstanding, Bankcard		502		502		491
Other		168		168		180
Loans and Leases Receivable, Gross		48,617		48,617		46,714
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		121		121		89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		94		94		86
Financing Receivable, Recorded Investment, Past Due		215		215		175
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17		17		10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	148		148		145
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,683		11,683		11,427
Loans Credit Quality Outstanding, Home Equity Credit Line		2,929		2,929		2,937
Loans Credit Quality Outstanding, 1-4 Family Residential		7,440		7,440		7,176
Loans Credit Quality Outstanding, Construction and Other		644		644		643
Loans Credit Quality Outstanding, Bankcard		502		502		491
Other		168		168		180
Loans and Leases Receivable, Gross		11,683		11,683		11,427
Financing Receivable, Recorded Investment, Nonaccrual Status		0		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		9,218		9,218		8,939
Loans Credit Quality Outstanding, Commercial Real Estate		11,827		11,827		11,125
Loans and Leases Receivable, Gross		11,827		11,827
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,883		14,883		14,513
Loan Credit Quality Outstanding, Leasing		337		337		327
Owner occupied		7,828		7,828		7,661
Municipal		2,059		2,059		1,661
Loans and Leases Receivable, before Fees, Gross		25,107		25,107		24,162
Loans and Leases Receivable, Gross		25,107		25,107		24,162
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		47,431		47,431		45,589
Pass [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		11,610		11,610		11,357
Loans Credit Quality Outstanding, Home Equity Credit Line		2,913		2,913		2,920
Loans Credit Quality Outstanding, 1-4 Family Residential		7,391		7,391		7,129
Loans Credit Quality Outstanding, Construction and Other		639		639		641
Loans Credit Quality Outstanding, Bankcard		499		499		488
Other		168		168		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		9,111		9,111		8,853
Loans Credit Quality Outstanding, Commercial Real Estate		11,697		11,697		11,027
Pass [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		14,247		14,247		13,891
Loan Credit Quality Outstanding, Leasing		321		321		313
Owner occupied		7,524		7,524		7,369
Municipal		2,032		2,032		1,632
Loans and Leases Receivable, before Fees, Gross		24,124		24,124		23,205
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		416		416		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		0
Loans Credit Quality Outstanding, Home Equity Credit Line		0		0		0
Loans Credit Quality Outstanding, 1-4 Family Residential		0		0		0
Loans Credit Quality Outstanding, Construction and Other		0		0		0
Loans Credit Quality Outstanding, Bankcard		0		0		0
Other		0		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		39		39		10
Loans Credit Quality Outstanding, Commercial Real Estate		55		55		21
Special Mention [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		273		273		322
Loan Credit Quality Outstanding, Leasing		11		11		10
Owner occupied		77		77		72
Municipal		0		0		2
Loans and Leases Receivable, before Fees, Gross		361		361		406
SEC Schedule, 12-09, Allowance, Loan and Lease Loss [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross						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						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						331
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		0		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		0
Loans Credit Quality Outstanding, Home Equity Credit Line		0		0		0
Loans Credit Quality Outstanding, 1-4 Family Residential		0		0		0
Loans Credit Quality Outstanding, Construction and Other		0		0		0
Loans Credit Quality Outstanding, Bankcard		0		0		0
Other		0		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		0
Loans Credit Quality Outstanding, Commercial Real Estate		0		0		0
Doubtful [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		0		0		0
Loan Credit Quality Outstanding, Leasing		0		0		0
Owner occupied		0		0		0
Municipal		0		0		0
Loans and Leases Receivable, before Fees, Gross		0		0		0
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross		770		770		698
Substandard [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, before Fees, Gross		73		73		70
Loans Credit Quality Outstanding, Home Equity Credit Line		16		16		17
Loans Credit Quality Outstanding, 1-4 Family Residential		49		49		47
Loans Credit Quality Outstanding, Construction and Other		5		5		2
Loans Credit Quality Outstanding, Bankcard		3		3		3
Other		0		0		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		68		68		76
Loans Credit Quality Outstanding, Commercial Real Estate		75		75		77
Substandard [Member] | Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans Credit Quality Outstanding, Commercial And Industrial		363		363		300
Loan Credit Quality Outstanding, Leasing		5		5		4
Owner occupied		227		227		220
Municipal		27		27		27
Loans and Leases Receivable, before Fees, Gross		622		622		551
loans held for sale [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current		105		105		89
Loans and Leases Receivable, Gross		105		105		93
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		0		0		0
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0		4
Financing Receivable, Recorded Investment, Past Due		0		0		4
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		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		14,883		14,883		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		63		63		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		11,634		11,634		11,378
Loans and Leases Receivable, Gross		11,683		11,683		11,427
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		19		19		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		30		30		26
Financing Receivable, Recorded Investment, Past Due		49		49		49
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2		2		2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	23		23		23
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current						179
Loans and Leases Receivable, Gross		168		168		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		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		167		167
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		1		1
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		0		0
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		0		0
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		0		0
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing Receivable, Recorded Investment, Current						8,924
Loans and Leases Receivable, Gross		9,218		9,218		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		16		16		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		2,609		2,609		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		29		29		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		2,580		2,580
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		23		23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		6		6
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5		5
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	0		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		337		337		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		0		0		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		7,828		7,828		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		57		57		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		2,059		2,059		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		1		1		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		11,782		11,782		11,109
Loans and Leases Receivable, Gross		11,827		11,827		11,125
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33		33		5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		12		12		11
Financing Receivable, Recorded Investment, Past Due		45		45		16
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5		5		1
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	24		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		2,929		2,929		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		10		10		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		24,986		24,986		24,052
Loans and Leases Receivable, Gross		25,107		25,107		24,162
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		69		69		61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		52		52		49
Financing Receivable, Recorded Investment, Past Due		121		121		110
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		10		10		7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	101		101		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		7,440		7,440		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		29		29		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		644		644		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		$ 4		$ 4		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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	$ 309		$ 309		$ 310
Impaired Financing Receivable, Recorded Investment	257		257		261
Impaired Financing Receivable, Related Allowance	13		13		8
Average recorded investment	279	$ 330	265	$ 310
Interest income recognized	1	0	2	8
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	129		129		112
Impaired Financing Receivable, Recorded Investment	98		98
Impaired Financing Receivable, Related Allowance	10		10		4
Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	63		63		67
Impaired Financing Receivable, Recorded Investment	55		55		60
Impaired Financing Receivable, Related Allowance	1		1		2
Average recorded investment	59	54	60	55
Interest income recognized	0	0	0	8
Municipal [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	1		1		1
Impaired Financing Receivable, Recorded Investment	1		1		1
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	1	1	1	1
Interest income recognized	0	0	0	0
Commercial Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	193		193		180
Impaired Financing Receivable, Recorded Investment	154		154		149
Impaired Financing Receivable, Related Allowance	11		11		6
Average recorded investment	168	193	157	182
Interest income recognized	1	0	2	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	0	5
Interest income recognized	0	0	0	0
Term [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	38		38		44
Impaired Financing Receivable, Recorded Investment	34		34		40
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	39	58	37	53
Interest income recognized	0	0	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	38		38		45
Impaired Financing Receivable, Recorded Investment	34		34		40
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	39	63	37	58
Interest income recognized	0	0	0	0
Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	15		15		15
Impaired Financing Receivable, Recorded Investment	14		14		14
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	14	15	14	14
Interest income recognized	0	0	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	0		0		0
Impaired Financing Receivable, Recorded Investment	0		0		0
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	0	0	0	0
Interest income recognized	0	0	0	0
One Through Four Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	60		60		69
Impaired Financing Receivable, Recorded Investment	52		52		57
Impaired Financing Receivable, Related Allowance	2		2		2
Average recorded investment	55	57	55	55
Interest income recognized	0	0	0	0
Construction And Other Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	3		3		1
Impaired Financing Receivable, Recorded Investment	3		3		1
Impaired Financing Receivable, Related Allowance	0		0		0
Average recorded investment	3	2	2	1
Interest income recognized	0	0		0
Consumer Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unpaid principal balance	78		78		85
Impaired Financing Receivable, Recorded Investment	69		69		72
Impaired Financing Receivable, Related Allowance	2		2		2
Average recorded investment	72	74	71	70
Interest income recognized	0	0	0	0
Impaired Financing Receivable Related Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	102		102		95
Impaired Financing Receivable Related Allowance [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	62		62		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	73		73		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		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	27		27		27
Impaired Financing Receivable Recorded Investment With No Allowance [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment	155		155		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	36		36		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	44		44		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		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	81		81		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	32		32		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	32		32		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		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		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	29		29		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	1		1		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		42		45
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Impaired Financing Receivable, Recorded Investment					$ 88
Average recorded investment	108		96
Interest income recognized	$ 1		$ 2
Commercial and Industrial Sector [Member] | Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Average recorded investment		138		126
Interest income recognized		$ 0		$ 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			6 Months Ended
		Jun. 30, 2019		Jun. 30, 2018	Jun. 30, 2019		Jun. 30, 2018	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 4		$ 8	$ 8		$ 9
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		5
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		6
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		2	1		2
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Recorded investment resulting from the following modification types		97			97			$ 112
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Recorded investment resulting from the following modification types		29			29			28
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Recorded investment resulting from the following modification types		14			14			21
Accruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Recorded investment resulting from the following modification types		43			43			49
Accruing [Member] | Commercial Real Estate Construction [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Recorded investment resulting from the following modification types		8			8			11
Accruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		8			8			11
Accruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		33			33			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			1
Accruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		46			46			52
Accruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		12			12			12
Accruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		8			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			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			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			1
Accruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		11			11			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			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			2
Accruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			4			3
Accruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		13			13			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			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			0
Accruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		13			13			14
Accruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1			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			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			1
Accruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0			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			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			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			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			1
Accruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	46			46			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]	15			15			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]	4			4			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			27			32
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4		8	8		9
Recorded investment resulting from the following modification types		176			176			202
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		5
Recorded investment resulting from the following modification types		34			34			45
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1
Recorded investment resulting from the following modification types		14			14			14
Nonaccruing [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1			1
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		6
Recorded investment resulting from the following modification types		49			49			60
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		$ 2	1		$ 2
Recorded investment resulting from the following modification types		19			19			20
Nonaccruing [Member] | Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		19			19			20
Nonaccruing [Member] | One Through Four Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		9			9			9
Nonaccruing [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		11			11			10
Nonaccruing [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		79			79			90
Nonaccruing [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2			1
Nonaccruing [Member] | Interest Rate Below Market [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		18			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			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			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			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			10
Nonaccruing [Member] | Maturity Or Team Extension [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		17			17			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		6			6			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			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			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		6			6			6
Nonaccruing [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		15			15			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			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			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			2
Nonaccruing [Member] | Principal Forgiveness [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			2			2
Nonaccruing [Member] | Payment Deferral [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		5			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			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			2
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			1			0
Nonaccruing [Member] | Payment Deferral [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		4			4			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]	24			24			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]	2			2			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			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			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]	6			6			27
Nonaccruing [Member] | Multiple Modification Types [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	97			97			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]	33			33			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]	11			11			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			7
Nonaccruing [Member] | Multiple Modification Types [Member] | Consumer Loan [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	[2]	51			51			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			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			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			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			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			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			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			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			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			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			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			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			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			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			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			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		2			2			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			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			0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			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			0
Accruing [Member] | Accruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			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			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			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		7			7			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			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			0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			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			0
Accruing [Member] | Accruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		1			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		0			0			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			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			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]		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			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			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			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			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	[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	[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	[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		9	[2]		9	[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]	6			6
Accruing [Member] | Accruing [Member] | Multiple Modification Types [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			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			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]	4			4
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		24	[2]		24	[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]		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		3	[2]		3	[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			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			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			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			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			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			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		5			5			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		1			1
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			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			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			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			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			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			0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			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			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			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			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			0
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		0			0
Nonaccruing [Member] | Nonaccruing [Member] | Payment Deferral [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types		2			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		1			1			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			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]	1			1			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			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			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			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			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			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]	26			26			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			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			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]	11			11
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]	6			6			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]	$ 1			$ 1			$ 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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$ 4	$ 8	$ 8	$ 9
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0	0	1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	3	5	6	6
Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	2	1	2
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	4	8	8	9
Nonaccruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0	0	1
Nonaccruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	3	5	6	6
Nonaccruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	2	1	2
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0	0	0
Accruing [Member] | Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0	0	0
Accruing [Member] | Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	0	0	0	0
Accruing [Member] | Term [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0	$ 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			6 Months Ended
		Jun. 30, 2019		Jun. 30, 2018	Jun. 30, 2019		Jun. 30, 2018	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		$ 4		$ 8	$ 8		$ 9
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Financing Receivable, Modifications, Recorded Investment		97			97			$ 112
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		4		8	8		9
Financing Receivable, Modifications, Recorded Investment		176			176			202
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		5
Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Financing Receivable, Modifications, Recorded Investment		29			29			28
Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		5
Financing Receivable, Modifications, Recorded Investment		34			34			45
Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1
Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Financing Receivable, Modifications, Recorded Investment		14			14			21
Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		1
Financing Receivable, Modifications, Recorded Investment		14			14			14
Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			1
Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		6
Commercial Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Financing Receivable, Modifications, Recorded Investment		43			43			49
Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		3		5	6		6
Financing Receivable, Modifications, Recorded Investment		49			49			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		0		2	1		2
Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0	0		0
Financing Receivable, Modifications, Recorded Investment		8			8			11
Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		$ 2	1		$ 2
Financing Receivable, Modifications, Recorded Investment		19			19			20
Commercial Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		8			8			11
Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		19			19			20
Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		12			12			12
Home Equity Line of Credit [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2			1
One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		33			33			39
One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9			9			9
Construction And Other Consumer Real Estate [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			1
Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		11			11			10
Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		46			46			52
Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		79			79			90
Interest Rate Below Market [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		8			8			8
Interest Rate Below Market [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		18			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			6			5
Interest Rate Below Market [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7			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			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			3
Interest Rate Below Market [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			0
Interest Rate Below Market [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			1
Interest Rate Below Market [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		10			10			10
Maturity Or Team Extension [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		11			11			11
Maturity Or Team Extension [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		17			17			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			5			6
Maturity Or Team Extension [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			6			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			2
Maturity Or Team Extension [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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			0
Maturity Or Team Extension [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			4			3
Maturity Or Team Extension [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			6			6
Principal Forgiveness [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		13			13			14
Principal Forgiveness [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		15			15			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			0
Principal Forgiveness [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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			0
Principal Forgiveness [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			0
Principal Forgiveness [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2			2
Principal Forgiveness [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		13			13			14
Principal Forgiveness [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2			2
Payment Deferral [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			2
Payment Deferral [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		5			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			0
Payment Deferral [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			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			1
Payment Deferral [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			2			2
Payment Deferral [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			0
Payment Deferral [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			1
Payment Deferral [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			4			4
Other Recorded Investment Resulting From Following Modification [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	18			18			18
Other Recorded Investment Resulting From Following Modification [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[1]	24			24			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			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]	2			2			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			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			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			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			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]	6			6			27
Multiple Modification Types [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	46			46			59
Multiple Modification Types [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	97			97			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]	15			15			21
Multiple Modification Types [Member] | Commercial Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	33			33			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]	4			4			6
Multiple Modification Types [Member] | Commercial Real Estate [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	11			11			1
Multiple Modification Types [Member] | Consumer Portfolio Segment [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	7			7			7
Multiple Modification Types [Member] | Consumer Loan [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	27			27			32
Multiple Modification Types [Member] | Consumer Loan [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	51			51			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			1
Nonaccruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		6			6
Nonaccruing [Member] | Interest Rate Below Market [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Interest Rate Below Market [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3			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			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			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		5			5			6
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Maturity Or Team Extension [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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			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			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Principal Forgiveness [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			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			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			1
Nonaccruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			1
Nonaccruing [Member] | Payment Deferral [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Payment Deferral [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Nonaccruing [Member] | Payment Deferral [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			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			0
Nonaccruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1			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]	1			1			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			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			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			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			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			1
Nonaccruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	26			26			27
Nonaccruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	6			6
Nonaccruing [Member] | Multiple Modification Types [Member] | Municipal [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Nonaccruing [Member] | Multiple Modification Types [Member] | Term [Member] | Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	11			11
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]	1			1			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]	6			6			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			2
Accruing [Member] | Interest Rate Below Market [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		4			4
Accruing [Member] | Interest Rate Below Market [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Interest Rate Below Market [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			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			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			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			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			4
Accruing [Member] | Maturity Or Team Extension [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			1
Accruing [Member] | Maturity Or Team Extension [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Maturity Or Team Extension [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		2			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		2			2			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			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			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			0
Accruing [Member] | Principal Forgiveness [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Principal Forgiveness [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Principal Forgiveness [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Principal Forgiveness [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		7			7			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			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			0
Accruing [Member] | Payment Deferral [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			0
Accruing [Member] | Payment Deferral [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Payment Deferral [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Payment Deferral [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		1			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			0
Accruing [Member] | Payment Deferral [Member] | One Through Four Family Residential [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0			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			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]		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			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			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			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	[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	[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	[1]		0
Accruing [Member] | Multiple Modification Types [Member] | Commercial And Industrial [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		9	[2]		9	[2]		7
Accruing [Member] | Multiple Modification Types [Member] | Owner Occupied [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	6			6
Accruing [Member] | Multiple Modification Types [Member] | Municipal [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		0			0
Accruing [Member] | Multiple Modification Types [Member] | Term [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment	[2]	4			4
Accruing [Member] | Multiple Modification Types [Member] | Home Equity Line of Credit [Member] | Accruing [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Recorded Investment		3	[2]		3	[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		24	[2]		24	[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]		$ 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		Jun. 30, 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		$ 215	$ 175
Financing Receivable, Recorded Investment, Current		48,402	46,539
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		121	89
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		94	86
Loans and Leases Receivable, Gross		48,617	46,714
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		17	10
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	148	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		105	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		105	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		63	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		14,883	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		0	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		337	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		57	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		7,828	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		1	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		2,059	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		121	110
Financing Receivable, Recorded Investment, Current		24,986	24,052
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		69	61
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		52	49
Loans and Leases Receivable, Gross		25,107	24,162
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		10	7
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	101	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		29	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		2,609	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		16	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		9,218	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		45	16
Financing Receivable, Recorded Investment, Current		11,782	11,109
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		33	5
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		12	11
Loans and Leases Receivable, Gross		11,827	11,125
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		5	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		10	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		2,929	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		29	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		7,440	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		4	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		644	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		5	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		502	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		168	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		49	49
Financing Receivable, Recorded Investment, Current		11,634	11,378
Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due		19	23
Financing Receivable Recorded Investments, Equal To and Greater Than 90 Days Past Due		30	26
Loans and Leases Receivable, Gross		11,683	11,427
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing		2	2
Financing Receivable, Recorded Investment, Nonaccrual Status	[1]	$ 23	$ 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		6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2019	Jul. 31, 2019	Dec. 31, 2018	Jun. 30, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Receive-fixed Swaps, Notional Amounts	$ 100.0		$ 100.0
Receive-fixed Swaps, Notional Amounts, Aggregate	400.0		400.0
Cash Flow Floor, Notional Amounts	$ 500.0		$ 500.0
Cash Flow Floor, Strike Rate	1.50%		1.50%
Cash Flow Floor, Term		3 years
Cash Flow Floor, Purchased	$ 1.4		$ 8.0
Cash Flow Hedge Swap Portfolio, Change	26.0
Fair Value Hedge Swap Portfolio, Change	$ 12.0
Derivative, Fixed Interest Rate	3.35%		3.35%
Senior Notes	$ 1,149.0		$ 1,149.0		$ 637.0
Derivative, Notional Amount, Strike Rate	1.00%		1.00%
Derivative, Fixed Interest Rate 3.5%	3.50%		3.50%
Derivative, Average Fixed Interest Rate	3.425%		3.425%
Derivative, Average Remaining Maturity		2 years 8 months 12 days	2 years 9 months 18 days
Derivative, Average Fixed Interest Rate 2.08%	2.10%		2.10%
Common Stock and Additional Paid-in Capital	$ 3,300.0		$ 3,300.0
Cash collateral pledged for derivative liabilities	64.0		64.0
Derivative Instruments, Gain Reclassified from Accumulated OCI into Income, Effective Portion			2.0
Change In Fair Value Of Derivative Asset By Credit Value Adjustment	(11.0)		(11.0)		(3.0)	$ (1.0)
Derivative Credit Risk Valuation Adjustment, Derivative Liabilities						$ 2.0
Senior Notes [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Senior Notes	500.0		500.0
Derivatives Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount	6,163.0		6,163.0		1,187.0
Derivative Financial Instruments, Liabilities [Member] | Other Liabilities [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gross amounts recognized	14.0		14.0		39.0
Fair Value Hedging [Member] | Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount	1,000.0		1,000.0		500.0
Cash Flow Hedging [Member] | Interest Rate Floor [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount	3,500.0		3,500.0		0.0
Cash Flow Hedging [Member] | Interest Rate Floor [Member] | Derivatives Designated As Hedging Instruments [Member] | Subsequent Event [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Notional Amount				$ 7,000.0
Cash Flow Hedging [Member] | Interest Rate Swap [Member] | Derivatives Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Interest Rate Swaps, Notional Amount	1,700.0		1,700.0
Derivative, Notional Amount	$ 1,663.0		$ 1,663.0		$ 687.0

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Notional and Recorded Fair Values (Details) - USD ($) $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	$ 172	$ 75
Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	155	76
Other Debt Obligations [Member]
Derivative [Line Items]
Derivative, Notional Amount	13,960	7,528
Designated as Hedging Instrument [Member]
Derivative [Line Items]
Derivative, Notional Amount	6,163	1,187
Designated as Hedging Instrument [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	26	0
Designated as Hedging Instrument [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	0	0
Designated as Hedging Instrument [Member] | Interest Rate Floor [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative, Notional Amount	3,500	0
Designated as Hedging Instrument [Member] | Interest Rate Floor [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	26	0
Designated as Hedging Instrument [Member] | Interest Rate Floor [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	0	0
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative, Notional Amount	1,663	687
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivative, Notional Amount	1,000	500
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Other Assets [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	0	0
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Other Assets [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	0	0
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Other Liabilities [Member] | Cash Flow Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	0	0
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Other Liabilities [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	0	0
Derivatives Not Designated As Hedging Instruments [Member]
Derivative [Line Items]
Derivative, Notional Amount	7,797	6,341
Derivatives Not Designated As Hedging Instruments [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	146	75
Derivatives Not Designated As Hedging Instruments [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	155	76
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative [Line Items]
Derivative, Notional Amount	366	389
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	3	4
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	2	2
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member]
Derivative [Line Items]
Derivative, Notional Amount	570	300
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	2	1
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	1	1
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member]
Derivative [Line Items]
Derivative, Notional Amount	3,451	2,826
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	3	33
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Assets [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	3	33
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	149	40
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member] | Other Liabilities [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	8	3
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative [Line Items]
Derivative, Notional Amount	3,410	2,826
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Assets [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	138	37
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Assets [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivative Asset, Fair Value, Gross Asset	136	7
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Liabilities [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	3	33
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member] | Other Liabilities [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Derivatives hedging instruments, liabilities	$ 3	$ 33

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Derivative gain (loss) recognized/reclassified (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax	$ 26	$ (2)	$ 35	$ (7)
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, before Tax	15	0	18	0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	(2)	(1)	(4)	(2)
Derivative Instrument, Noninterest Income (Expense)	6	9	12	24
Gain (Loss) on Discontinuation of Interest Rate Cash Flow Hedge Due to Forecasted Transaction Probable of Not Occurring, Net	0	0	0	0
Derivatives Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax	26	(2)	35	(7)
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, before Tax	15	0	18	0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	(2)	(1)	(4)	(2)
Derivative Instrument, Noninterest Income (Expense)	0	0	0	0
Gain (Loss) on Discontinuation of Interest Rate Cash Flow Hedge Due to Forecasted Transaction Probable of Not Occurring, Net	0	0	0	0
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Floor [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax	2	0	2	0
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, before Tax	15	0	18	0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	(1)	0	(1)	0
Derivative Instrument, Noninterest Income (Expense)	0	0	0	0
Gain (Loss) on Discontinuation of Interest Rate Cash Flow Hedge Due to Forecasted Transaction Probable of Not Occurring, Net	0	0	0	0
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax	24	(2)	33	(7)
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, before Tax	0	0	0	0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	(1)	(1)	(3)	(2)
Derivative Instrument, Noninterest Income (Expense)	0	0	0	0
Gain (Loss) on Discontinuation of Interest Rate Cash Flow Hedge Due to Forecasted Transaction Probable of Not Occurring, Net	0	0	0	0
Derivatives Designated As Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Contract [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax	0	0	0	0
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), Adjustments, before Tax	0	0	0	0
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	0	0	0	0
Derivative Instrument, Noninterest Income (Expense)	0	0	0	0
Gain (Loss) on Discontinuation of Interest Rate Cash Flow Hedge Due to Forecasted Transaction Probable of Not Occurring, Net	0	0	0	0
Derivatives Not Designated As Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instrument, Noninterest Income (Expense)	6	9	12	24
Derivatives Not Designated As Hedging Instruments [Member] | Foreign Exchange [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instrument, Noninterest Income (Expense)	6	5	11	10
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instrument, Noninterest Income (Expense)	(1)	0	(1)	0
Derivatives Not Designated As Hedging Instruments [Member] | Interest Rate Swaps For Customers [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instrument, Noninterest Income (Expense)	86	(14)	132	(43)
Derivatives Not Designated As Hedging Instruments [Member] | Offsetting Interest Rate Derivatives [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Instrument, Noninterest Income (Expense)	$ (85)	$ 18	$ (130)	$ 57

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Gain (loss) recorded in income (Details) - USD ($) $ in Millions	3 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Summary of Derivative Instruments [Abstract]
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	$ (12)	$ 0
Types of Items Hedged by Interest Rate Derivatives	$12	$—
Derivatives, Gain (Loss) on Derivative, Net	$ 0	$ 0

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Long-term debt hedged items (Details) - Fair Value Hedging [Member] - USD ($) $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Hedged Liability, Fair Value Hedge	$ (1,022)	$ (505)
Hedged Liability, Fair Value Hedge, Cumulative Increase (Decrease)	$ (22)	$ (5)

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Leases (Narrative) (Details) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) Branches numberOfBranches	Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($) Branches numberOfBranches	Jun. 30, 2018 USD ($)
Leases [Abstract]
Number of Branches | Branches	432		432
Number of Branches Owned | numberOfBranches	277		277
Number of Branches Leased | numberOfBranches	155		155
Operating Lease, Right-of-Use Asset	$ 232		$ 232
Finance Lease, Right-of-Use Asset	1		1
Operating Lease, Liability	$ 251		$ 251
Operating Lease, Weighted Average Remaining Lease Term	9 years 3 months 18 days		9 years 3 months 18 days
Finance Lease, Weighted Average Remaining Lease Term	10 months 24 days		10 months 24 days
Operating Lease, Weighted Average Discount Rate, Percent	3.20%		3.20%
Finance Lease, Weighted Average Discount Rate, Percent	12.60%		12.60%
Operating Lease, Cost	$ 12		$ 24
Variable Lease, Cost	13		26
Lease, Cost	25		50
Operating Cash Disbursement From Operating Leases	12		24
Lease Liabilities, Maturity One Year	32		32
Liabilities	47		47
Lease Liabilities, Maturity Year Three	42		42
Lease Liabilities, Maturity Year Four	37		37
Lease Liabilities, Maturity Year Five	31		31
Lease Liabilities, Maturity Year Thereafter	116		116
Lease Liabilities, Maturity	305		305
Operating Lease, Lease Income	3	$ 3	6	$ 5
Sales-type and Direct Financing Leases, Lease Receivable	337	358	337	358
Sales-type and Direct Financing Leases, Profit (Loss)	$ 3	$ 3	$ 7	$ 7

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Debt (Narrative) (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2019	Dec. 31, 2018
Debt Instruments [Abstract]
Senior Notes	$ 1,149	$ 637
Debt Instrument, Interest Rate Terms	3.35%

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Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions		3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Additional Paid-in Capital	$ 3,271	$ 3,271		$ 3,271	$ 3,806
Common Stock and Additional Paid-in Capital Percentage Change	14.00%	14.00%		14.00%
Common Stock and Additional Paid-in Capital Change	$ 535	$ 535		$ 535
Accumulated Other Comprehensive Income (Loss), Net of Tax	$ 25	$ 25	$ (315)	$ 25	$ (250)	$ (139)
Stock Repurchased During Period, Shares		5,800,000	4,300,000	11,300,000
Shares, Issued	176,900,000	176,900,000		176,900,000
Treasury Stock Acquired, Average Cost Per Share		$ 47.05	$ 54.64	$ 48.50
Stock Repurchase Program, Remaining Authorized Repurchase Amount	$ 275	$ 275		$ 275
Common Stock, Par or Stated Value Per Share	$ 0.001	$ 0.001		$ 0.001
Stock Repurchased and Retired During Period, Value		$ 275	$ 235	$ 550
Common Stock, Terms of Conversion	1.06
Warrant [Member]
Warrant Exercise Price	$ 34.41	$ 34.41		$ 34.41
Class of Warrant or Right, Outstanding	29,300,000	29,300,000		29,300,000

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Long-term Debt (Details) - USD ($) $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Debt Instruments [Abstract]
Long-term Debt, Gross	$ 1,236	$ 724
Senior Notes	1,149	637
Subordinated Debt	$ 87	$ 87

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Changes In Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income (Loss), Net of Tax	$ 25	$ (315)	$ 25	$ (315)	$ (250)	$ (139)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			273	(177)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			(2)	(1)
Other comprehensive income (loss)	148	(49)	275	(176)
Other Comprehensive Income (Loss), Tax			90	(58)
Other Pension Plan [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income (Loss), Net of Tax	9	(289)	9	(289)	228	(114)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			237	(175)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			0	0
Other comprehensive income (loss)			237	(175)
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, Tax			78	(58)
Other Pension, Postretirement and Supplemental Plans [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income (Loss), Net of Tax	37	(3)	37	(3)	(1)	(2)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			36	(2)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			(2)	(1)
Other comprehensive income (loss)			38	(1)
Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax			12	0
Pension Plan [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated Other Comprehensive Income (Loss), Net of Tax	$ (21)	$ (23)	(21)	(23)	$ (21)	$ (23)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax			0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax			0	0
Other comprehensive income (loss)			0	0
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax			$ 0	$ 0

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Amounts Reclassified from AOCI (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]
Income taxes	$ 58	$ 56	$ 119	$ 126
Interest Rate Contract [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member] | AOCI Including Portion Attributable to Noncontrolling Interest [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification from AOCI, Current Period, Tax	(1)	(1)	(2)	(1)
Gain (Loss) on Derivative Instruments, Net, Pretax	(2)	(1)	(4)	(2)
Income taxes	$ (1)	$ 0	$ (2)	$ (1)

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Commitments, Guarantees, And Contingent Liabilities (Narrative) (Details) $ in Millions	Jun. 30, 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	$ 45

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Commitments, Guarantees, And Contingent Liabilities (Schedule Of Guarantees Issued) (Details) - USD ($) $ in Millions	Jun. 30, 2019	Dec. 31, 2018
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unused Commitments to Extend Credit	$ 22,529	$ 21,454
Commercial Letters Of Credit	19	18
Total Unfunded Lending Commitments	23,264	22,326
Financial [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	527	655
Performance [Member]
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	189	$ 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	$ 45

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Other Service charges, commissions and fees (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Other Service charges, commissions and fees [Line Items]
Other service charges, commissions, and fees	$ 58	$ 55	$ 113	$ 110
Revenue Recognition [Member]
Other Service charges, commissions and fees [Line Items]
Other Service Charges	3	4	7	7
Other service charges, commissions, and fees	$ 45	$ 46	$ 88	$ 89

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Revenue Recognition and Deferred Revenue (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	$ 41	$ 42	$ 81	$ 84
Other service charges, commissions, and fees	58	55	113	110
Wealth Management and Trust Income	13	14	26	25
Capital Market and Foreign Exchange Gain (Loss)	9	7	16	15
Noninterest income, Customer-related Fees	130	125	250	247
Noninterest Income	132	138	264	276
Net interest income	569	548	1,145	1,090
Gains (losses) from fair value changes	(9)	(1)	(9)	(6)
Consolidated Entities [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	41	42	81	84
Other service charges, commissions, and fees	46	46	88	89
Wealth Management and Trust Income	13	13	26	25
Capital Market and Foreign Exchange Gain (Loss)	2	3	5	6
Other Noninterest Income From Contracts With Customers			1	1
Total non-interest income from contracts with customers (ASC 606)	102	104	201	205
Other non-interest income (Non-ASC 606 customer related)	28	21	49	42
Noninterest income, Customer-related Fees	130	125	250	247
Other non-interest income (non-customer related)	2	13	14	29
Noninterest Income	132	138	264	276
Gains (Losses) on Sales of Other Real Estate	0	0	2	1
Net interest income	569	548	1,145	1,090
Revenues	701	686	1,411	1,367
Zions Bank [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	14	15	27	29
Other service charges, commissions, and fees	18	18	36	35
Wealth Management and Trust Income	4	4	8	7
Capital Market and Foreign Exchange Gain (Loss)	2	1	3	3
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	38	38	74	74
Other non-interest income (Non-ASC 606 customer related)	1	0	(2)	(1)
Noninterest income, Customer-related Fees	39	38	72	73
Other non-interest income (non-customer related)	0	0	0	0
Noninterest Income	39	38	72	73
Gains (Losses) on Sales of Other Real Estate	0	0	1	0
Net interest income	179	176	358	342
Revenues	218	214	431	415
Amegy Corporation [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	11	11	22	22
Other service charges, commissions, and fees	9	9	18	19
Wealth Management and Trust Income	3	3	5	5
Capital Market and Foreign Exchange Gain (Loss)	(2)	(1)	(3)	(3)
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	21	22	42	43
Other non-interest income (Non-ASC 606 customer related)	13	9	26	21
Noninterest income, Customer-related Fees	34	31	68	64
Other non-interest income (non-customer related)	0	0	0	0
Noninterest Income	34	31	68	64
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	132	127	263	254
Revenues	166	158	331	318
California Bank Trust [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	7	7	14	14
Other service charges, commissions, and fees	7	6	13	12
Wealth Management and Trust Income	1	1	2	2
Capital Market and Foreign Exchange Gain (Loss)	1	1	2	2
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	16	15	31	30
Other non-interest income (Non-ASC 606 customer related)	6	4	10	8
Noninterest income, Customer-related Fees	22	19	41	38
Other non-interest income (non-customer related)	0	0	0	2
Noninterest Income	22	19	41	40
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	140	131	278	262
Revenues	162	150	319	302
National Bank Of Arizona [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	3	3	6	6
Other service charges, commissions, and fees	3	3	6	6
Wealth Management and Trust Income	0	0	1	1
Capital Market and Foreign Exchange Gain (Loss)	0	0	0	0
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	6	6	13	13
Other non-interest income (Non-ASC 606 customer related)	4	3	6	4
Noninterest income, Customer-related Fees	10	9	19	17
Other non-interest income (non-customer related)	1	1	2	2
Noninterest Income	11	10	21	19
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	62	58	122	111
Revenues	73	68	143	130
Nevada State Bank [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	4	4	7	8
Other service charges, commissions, and fees	3	3	6	6
Wealth Management and Trust Income	1	1	2	2
Capital Market and Foreign Exchange Gain (Loss)	0	0	1	0
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	8	8	16	16
Other non-interest income (Non-ASC 606 customer related)	3	2	5	4
Noninterest income, Customer-related Fees	11	10	21	20
Other non-interest income (non-customer related)	0	0	0	0
Noninterest Income	11	10	21	20
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	40	38	80	73
Revenues	51	48	101	93
Vectra Bank Colorado [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	2	2	4	4
Other service charges, commissions, and fees	2	2	3	3
Wealth Management and Trust Income	0	0	1	1
Capital Market and Foreign Exchange Gain (Loss)	0	0	0	0
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	4	4	8	8
Other non-interest income (Non-ASC 606 customer related)	2	2	4	4
Noninterest income, Customer-related Fees	6	6	12	12
Other non-interest income (non-customer related)	0	0	0	0
Noninterest Income	6	6	12	12
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	36	34	72	66
Revenues	42	40	84	78
Commerce Bank Of Washington [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	0	0	1	1
Other service charges, commissions, and fees	1	1	1	1
Wealth Management and Trust Income	0	0	0	0
Capital Market and Foreign Exchange Gain (Loss)	0	0	0	0
Other Noninterest Income From Contracts With Customers			0	0
Total non-interest income from contracts with customers (ASC 606)	1	1	2	2
Other non-interest income (Non-ASC 606 customer related)	0	0	0	1
Noninterest income, Customer-related Fees	1	1	2	3
Other non-interest income (non-customer related)	0	0	0	0
Noninterest Income	1	1	2	3
Gains (Losses) on Sales of Other Real Estate	0	0	0	0
Net interest income	14	12	28	24
Revenues	15	13	30	27
Other Segment [Member]
Segment Reporting, Revenue Reconciling Item [Line Items]
Service Charges and Fees on Deposit Accounts	0	0	0	0
Other service charges, commissions, and fees	3	4	5	7
Wealth Management and Trust Income	4	4	7	7
Capital Market and Foreign Exchange Gain (Loss)	1	2	2	4
Other Noninterest Income From Contracts With Customers			1	1
Total non-interest income from contracts with customers (ASC 606)	8	10	15	19
Other non-interest income (Non-ASC 606 customer related)	(1)	1	0	1
Noninterest income, Customer-related Fees	7	11	15	20
Other non-interest income (non-customer related)	1	12	12	25
Noninterest Income	8	23	27	45
Gains (Losses) on Sales of Other Real Estate	0	0	1	1
Net interest income	(34)	(28)	(56)	(42)
Revenues	$ 26	$ (5)	$ (28)	$ 4

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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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 1	$ 1	$ 3	$ 3
Expected return on plan assets	(2)	(3)	(4)	(6)
Amortization of net actuarial (gain) loss	1	1	1	1
Net periodic benefit cost (credit)	0	(1)	0	(1)
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Gain (Loss) Due to Settlement	$ 0	$ 0	$ 0	$ 1

XML

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Income Tax Contingency [Line Items]
Effective Income Tax Rate Reconciliation, Percent	22.70%	22.10%	22.50%	22.50%
Deferred Tax Assets, Net	$ 36		$ 36		$ 130

XML

Basic and diluted net earnings per common share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings Per Share [Abstract]
Net income for the period	$ 198	$ 197	$ 411	$ 435
Undistributed Earnings Applicable to Nonvested Shares	1	1	2	3
Dividends	63	57	127	104
Undistributed Earnings, Basic	135	140	284	331
Undistributed Earnings (Loss) Available to Common Shareholders, Diluted	134	139	282	328
Distributed Earnings	54	47	110	86
Net Income (Loss) Available to Common Stockholders, Diluted	$ 188	$ 186	$ 392	$ 414
Weighted Average Number of Shares Outstanding, Basic	179,156	195,583	181,946	196,149
Earnings Per Share, Basic	$ 1.05	$ 0.95	$ 2.15	$ 2.11
Dilutive Effect of Common Stock Warrants	9,318	12,640	9,587	12,627
Dilutive Effect of Stock Options	624	1,024	673	1,083
Weighted Average Number of Shares Outstanding, Diluted	189,098	209,247	192,206	209,859
Earnings Per Share, Diluted	$ 0.99	$ 0.89	$ 2.04	$ 1.97

XML

Stock awards that were anti-dilutive (Details) - shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
stock options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	492	194	411	120
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	1,446	1,709	1,435	1,733

XML

Operating Segment Information (Details) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2019 USD ($) Branches	Jun. 30, 2018 USD ($)	Jun. 30, 2019 USD ($) Branches	Jun. 30, 2018 USD ($)	Dec. 31, 2018 USD ($)
Segment Reporting Information [Line Items]
Number of community regional banks operating in distinct geographical areas	7		7
Net interest income	$ 569	$ 548	$ 1,145	$ 1,090
Provision for loan losses	20	5	22	(35)
Interest Income (Expense), after Provision for Loan Loss	548	536	1,120	1,125
Noninterest Income, Other Operating Income	(4)	1	(2)	6
Total Noninterest Expense	424	421	854	840
Income Before Income Taxes	$ 256	253	$ 530	561
Number of Branches | Branches	432		432
Investment Securities Gross Unrealized Losses Less Than 12 Months	$ 2		$ 2		$ 40
Investment Securities Estimated Fair Value Less Than 12 Months	163		163		2,858
Investment Securities Gross Unrealized Losses 12 Months or More	108		108		297
Investment Securities Estimated Fair Value 12 Months or More	7,020		7,020		9,375
Investment Securities Gross Unrealized Losses Total	110		110		337
Investment Securities Estimated Fair Value Total	7,183		7,183		12,233
Zions Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	179	176	358	342
Provision for loan losses	16	(5)	26	(3)
Interest Income (Expense), after Provision for Loan Loss	163	171	332	339
Noninterest Income, Other Operating Income	39	38	72	73
Total Noninterest Expense	120	117	237	231
Income Before Income Taxes	82	92	167	181
Average Loans And Leases	13,067	12,633	13,004	12,543
Average Deposits	15,455	15,346	15,490	15,211
Amegy Corporation [Member]
Segment Reporting Information [Line Items]
Net interest income	132	127	263	254
Provision for loan losses	8	6	23	59
Interest Income (Expense), after Provision for Loan Loss	140	133	286	313
Noninterest Income, Other Operating Income	34	31	68	64
Total Noninterest Expense	86	86	174	173
Income Before Income Taxes	88	78	180	204
Average Loans And Leases	12,254	11,387	12,058	11,379
Average Deposits	11,361	11,060	11,401	10,938
National Bank Of Arizona [Member]
Segment Reporting Information [Line Items]
Net interest income	62	58	122	111
Provision for loan losses	2	7	4	9
Interest Income (Expense), after Provision for Loan Loss	60	51	118	102
Noninterest Income, Other Operating Income	11	10	21	19
Total Noninterest Expense	38	38	78	75
Income Before Income Taxes	33	23	61	46
Average Loans And Leases	4,847	4,640	4,798	4,591
Average Deposits	5,048	4,942	4,972	4,863
Commerce Bank Of Washington [Member]
Segment Reporting Information [Line Items]
Net interest income	14	12	28	24
Provision for loan losses	2	1	2	2
Interest Income (Expense), after Provision for Loan Loss	12	11	26	22
Noninterest Income, Other Operating Income	1	1	2	3
Total Noninterest Expense	5	5	11	11
Income Before Income Taxes	8	7	17	14
Average Loans And Leases	1,203	1,117	1,156	1,135
Average Deposits	1,053	1,048	1,064	1,060
California Bank Trust [Member]
Segment Reporting Information [Line Items]
Net interest income	140	131	278	262
Provision for loan losses	9	2	12	5
Interest Income (Expense), after Provision for Loan Loss	131	129	266	257
Noninterest Income, Other Operating Income	22	19	41	40
Total Noninterest Expense	82	76	164	154
Income Before Income Taxes	71	72	143	143
Average Loans And Leases	10,838	9,908	10,707	9,919
Average Deposits	11,412	11,181	11,328	11,150
Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Net interest income	40	38	80	73
Provision for loan losses	0	0	(1)	0
Interest Income (Expense), after Provision for Loan Loss	40	38	81	73
Noninterest Income, Other Operating Income	11	10	21	20
Total Noninterest Expense	37	36	73	72
Income Before Income Taxes	14	12	29	21
Average Loans And Leases	2,570	2,349	2,535	2,349
Average Deposits	4,406	4,314	4,368	4,269
Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Net interest income	36	34	72	66
Provision for loan losses	1	2	5	5
Interest Income (Expense), after Provision for Loan Loss	35	32	67	61
Noninterest Income, Other Operating Income	6	6	12	12
Total Noninterest Expense	27	25	54	52
Income Before Income Taxes	14	13	25	21
Average Loans And Leases	3,105	2,881	3,080	2,837
Average Deposits	2,811	2,784	2,816	2,748
Other Segment [Member]
Segment Reporting Information [Line Items]
Net interest income	(34)	(28)	(56)	(42)
Provision for loan losses	1	1	0	0
Interest Income (Expense), after Provision for Loan Loss	(33)	(29)	(56)	(42)
Noninterest Income, Other Operating Income	8	23	27	45
Total Noninterest Expense	29	38	63	72
Income Before Income Taxes	(54)	(44)	(92)	(69)
Average Loans And Leases	440	327	412	301
Average Deposits	$ 2,801	2,221	$ 2,694	2,208
ARIZONA | National Bank Of Arizona [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	58		58
NEVADA | Nevada State Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	50		50
Utah [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	98		98
Idaho [Member] | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	24		24
WYOMING | Zions Bank [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1		1
Colorado [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	36		36
New Mexico [Member] | Vectra Bank Colorado [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1		1
WASHINGTON | Commerce Bank Of Washington [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	2		2
OREGON | Commerce Bank Of Washington [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	1		1
TEXAS | Amegy Corporation [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	74		74
CALIFORNIA | California Bank And Trust [Member]
Segment Reporting Information [Line Items]
Number of Branches | Branches	87		87
Consolidated Entities [Member]
Segment Reporting Information [Line Items]
Net interest income	$ 569	548	$ 1,145	1,090
Provision for loan losses	21	(12)	25	(35)
Interest Income (Expense), after Provision for Loan Loss	548	536	1,120	1,125
Noninterest Income, Other Operating Income	132	138	264	276
Total Noninterest Expense	424	421	854	840
Income Before Income Taxes	256	253	530	561
Average Loans And Leases	48,324	45,242	47,750	45,054
Average Deposits	54,347	$ 52,896	54,133	$ 52,447
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	2		2		39
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	150		150		2,772
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	106		106		287
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	6,745		6,745		8,937
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	108		108		326
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	6,895		6,895		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		0		2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	14		14		245
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	5		5		17
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	606		606		913
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	5		5		19
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	620		620		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	1		1		16
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	72		72		1,081
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	62		62		224
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	4,535		4,535		6,661
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	63		63		240
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	4,607		4,607		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	1		1		19
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	34		34		1,180
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	39		39		28
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	1,430		1,430		711
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	40		40		47
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	1,464		1,464		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	288		288		524
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	2		2		10
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		0		1
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Fair Value	13		13		86
Debt Securities, Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Fair Value	275		275		438
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	2		2		11
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0		0		2
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	30		30		266
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0		0		14
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	159		159		641
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	0		0		16
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	189		189		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		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	0		0		0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0		0		4
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	15		15		11
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	0		0		4
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	$ 15		$ 15		$ 11