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Loans And Allowance For Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2019
Loans And Allowance For Credit Losses [Abstract]  
Summary Of Major Portfolio Segment And Specific Loan Class
December 31,
(In millions)20192018
Loans held for sale$129  $93  
Commercial:
Commercial and industrial$14,760  $14,513  
Leasing334  327  
Owner-occupied7,901  7,661  
Municipal2,393  1,661  
Total commercial25,388  24,162  
Commercial real estate:
Construction and land development2,211  2,186  
Term9,344  8,939  
Total commercial real estate11,555  11,125  
Consumer:
Home equity credit line2,917  2,937  
1-4 family residential7,568  7,176  
Construction and other consumer real estate624  643  
Bankcard and other revolving plans502  491  
Other155  180  
Total consumer11,766  11,427  
Total loans and leases 1
$48,709  $46,714  
Summary Of Changes in The Allowance For Credit Losses
December 31, 2019
(In millions)
 
CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of year$331  $110  $54  $495  
Provision for loan losses42  (11) 6  37  
Gross loan and lease charge-offs57  4  17  78  
Recoveries25  6  10  41  
Net loan and lease charge-offs (recoveries)32  (2) 7  37  
Balance at end of year$341  $101  $53  $495  
Reserve for unfunded lending commitments
Balance at beginning of year$40  $17  $—  $57  
Provision for unfunded lending commitments(1) 3  —  2  
Balance at end of year$39  $20  $—  $59  
Total allowance for credit losses
Allowance for loan losses$341  $101  $53  $495  
Reserve for unfunded lending commitments39  20  —  59  
Total allowance for credit losses$380  $121  $53  $554  
December 31, 2018
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Balance at beginning of year$371  $103  $44  $518  
Provision for loan losses(62) 3  20  (39) 
Gross loan and lease charge-offs46  5  18  69  
Recoveries68  9  8  85  
Net loan and lease charge-offs (recoveries)(22) (4) 10  (16) 
Balance at end of year$331  $110  $54  $495  
Reserve for unfunded lending commitments
Balance at beginning of year$48  $10  $—  $58  
Provision for unfunded lending commitments(8) 7  —  (1) 
Balance at end of year$40  $17  $—  $57  
Total allowance for credit losses
Allowance for loan losses$331  $110  $54  $495  
Reserve for unfunded lending commitments40  17  —  57  
Total allowance for credit losses$371  $127  $54  $552  
Summary Of ALLL And Outstanding Loan Balances According To The Company's Impairment Method
December 31, 2019
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Individually evaluated for impairment$8  $1  $2  $11  
Collectively evaluated for impairment333  100  51  484  
Total$341  $101  $53  $495  
Outstanding loan balances
Individually evaluated for impairment$168  $30  $58  $256  
Collectively evaluated for impairment25,220  11,525  11,708  48,453  
Total$25,388  $11,555  $11,766  $48,709  

December 31, 2018
(In millions)CommercialCommercial
real estate		ConsumerTotal
Allowance for loan losses
Individually evaluated for impairment$6  $1  $2  $9  
Collectively evaluated for impairment325  109  52  486  
Total$331  $110  $54  $495  
Outstanding loan balances
Individually evaluated for impairment$164  $55  $72  $291  
Collectively evaluated for impairment23,998  11,070  11,355  46,423  
Total$24,162  $11,125  $11,427  $46,714  
Summary Of Nonaccrual Loans
December 31,
(In millions)20192018
Loans held for sale$—  $6  
Commercial:
Commercial and industrial$110  $82  
Leasing—  2  
Owner-occupied65  67  
Municipal—  1  
Total commercial175  152  
Commercial real estate:
Construction and land development—  —  
Term16  38  
Total commercial real estate16  38  
Consumer:
Home equity credit line12  13  
1-4 family residential40  42  
Construction and other consumer real estate—  —  
Bankcard and other revolving plans—  1  
Other—  —  
Total consumer loans52  56  
Total$243  $246  
Summary Of Past Due Loans (Accruing And Nonaccruing)
December 31, 2019
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
loans		Accruing
loans
90+ days
past due
Nonaccrual
loans
that are
current1
Loans held for sale$129  $—  $—  $—  $129  $—  $—  
Commercial:
Commercial and industrial$14,665  $57  $38  $95  $14,760  $8  $54  
Leasing334  —  —  —  334  1  —  
Owner-occupied7,862  20  19  39  7,901  —  44  
Municipal2,393  —  —  —  2,393  —  —  
Total commercial25,254  77  57  134  25,388  9  98  
Commercial real estate:
Construction and land development
2,206  5  —  5  2,211  —  1  
Term9,333  8  3  11  9,344  —  10  
Total commercial real estate11,539  13  3  16  11,555  —  11  
Consumer:
Home equity credit line2,908  6  3  9  2,917  —  7  
1-4 family residential7,532  12  24  36  7,568  —  13  
Construction and other consumer real estate
624  —  —  —  624  —  —  
Bankcard and other revolving plans
499  2  1  3  502  1  —  
Other154  1  —  1  155  —  —  
Total consumer loans11,717  21  28  49  11,766  1  20  
Total$48,510  $111  $88  $199  $48,709  $10  $129  
December 31, 2018
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
loans		Accruing
loans
90+ days
past due
Nonaccrual
loans
that are
current1
Loans held for sale$89  $—  $4  $4  $93  $—  $2  
Commercial:
Commercial and industrial$14,445  $37  $31  $68  $14,513  $4  $46  
Leasing325  1  1  2  327  —  1  
Owner-occupied7,621  23  17  40  7,661  3  48  
Municipal1,661  —  —  —  1,661  —  1  
Total commercial24,052  61  49  110  24,162  7  96  
Commercial real estate:
Construction and land development
2,185  1  —  1  2,186  —  —  
Term8,924  4  11  15  8,939  1  26  
Total commercial real estate11,109  5  11  16  11,125  1  26  
Consumer:
Home equity credit line2,927  4  6  10  2,937  —  4  
1-4 family residential7,143  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  —  
Other179  1  —  1  180  —  —  
Total consumer loans11,378  23  26  49  11,427  2  23  
Total$46,539  $89  $86  $175  $46,714  $10  $145  
1Represents 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 Out
Summary Of Information On Impaired Loans
December 31, 2019Year Ended
December 31, 2019
(In millions)
Unpaid
principal
balance		Recorded investmentTotal
recorded
investment		Related
allowance		Average
recorded
investment		Interest
income
recognized
with no
allowance		with
allowance
Commercial:
Commercial and industrial$132  $48  $56  $104  $7  $103  $2  
Owner-occupied53  27  24  51  1  61  1  
Municipal—  —  —  —  —  —  —  
Total commercial185  75  80  155  8  164  3  
Commercial real estate:
Construction and land development—  —  —  —  —  —  —  
Term18  15  2  17  —  34  —  
Total commercial real estate18  15  2  17  —  34  —  
Consumer:
Home equity credit line14  10  3  13  —  15  1  
1-4 family residential52  26  18  44  2  56  1  
Construction and other consumer real estate
—  —  —  —  —  2  —  
Other—  —  —  —  —  1  —  
Total consumer loans66  36  21  57  2  74  2  
Total$269  $126  $103  $229  $10  $272  $5  
December 31, 2018Year Ended
December 31, 2018
(In millions)
Unpaid
principal
balance		Recorded investmentTotal
recorded
investment		Related
allowance		Average
recorded
investment		Interest
income
recognized
with no
allowance		with
allowance
Commercial:
Commercial and industrial$112  $52  $36  $88  $4  $83  $—  
Owner-occupied67  31  29  60  2  47  8  
Municipal1  1  —  1  —  1  —  
Total commercial180  84  65  149  6  131  8  
Commercial real estate:
Construction and land development1  —  —  —  —  1  —  
Term44  37  3  40  —  41  1  
Total commercial real estate45  37  3  40  —  42  1  
Consumer:
Home equity credit line15  12  2  14  —  13  —  
1-4 family residential69  32  25  57  2  51  —  
Construction and other consumer real estate
1  1  —  1  —  1  —  
Other—  —  —  —  —  —  —  
Total consumer loans85  45  27  72  2  65  —  
Total$310  $166  $95  $261  $8  $238  $9  
Summary Of Selected Information On TDRs That Includes Recorded Investment On An Accruing And Nonaccruing Basis By Loan Class And Modification Type
December 31, 2019
Recorded investment resulting from the following modification types: 
Interest
rate below
market		Maturity
or term
extension		Principal
forgiveness		Payment
deferral
Other1
Multiple
modification
types2
Total
Accruing
Commercial:
Commercial and industrial$1  $2  $—  $—  $8  $5  $16  
Owner-occupied3  1  —  —  4  7  15  
Total commercial4  3  —  —  12  12  31  
Commercial real estate:
Construction and land development—  —  —  —  —  —  —  
Term2  —  —  1  —  3  6  
Total commercial real estate2  —  —  1  —  3  6  
Consumer:
Home equity credit line—  2  7  —  —  2  11  
1-4 family residential1  1  4  —  1  22  29  
Construction and other consumer real estate
—  1  —  —  —  —  1  
Total consumer loans1  4  11  —  1  24  41  
Total accruing$7  $7  $11  $1  $13  $39  $78  
Nonaccruing
Commercial:
Commercial and industrial$—  $4  $—  $20  $4  $22  $50  
Owner-occupied5  —  —  —  1  4  10  
Municipal—  —  —  —  —  —  —  
Total commercial5  4  —  20  5  26  60  
Commercial real estate:
Construction and land development—  —  —  —  —  —  —  
Term1  —  —  —  3  3  7  
Total commercial real estate1  —  —  —  3  3  7  
Consumer:
Home equity credit line—  —  2  —  —  —  2  
1-4 family residential—  —  1  —  1  4  6  
Construction and other consumer real estate
—  —  —  —  —  —  —  
Total consumer loans—  —  3  —  1  4  8  
Total nonaccruing6  4  3  20  9  33  75  
Total$13  $11  $14  $21  $22  $72  $153  
1Includes 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.
2Includes 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-occupied3  2  —  —  2  14  21  
Total commercial5  6  —  —  17  21  49  
Commercial real estate:
Construction and land development—  —  —  —  —  —  —  
Term2  2  —  1  —  6  11  
Total commercial real estate2  2  —  1  —  6  11  
Consumer:
Home equity credit line—  1  8  —  —  3  12  
1-4 family residential1  2  6  1  1  28  39  
Construction and other consumer real estate
—  —  —  —  —  1  1  
Total consumer loans1  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-occupied6  —  —  1  2  5  14  
Municipal—  —  —  —  —  1  1  
Total commercial7  6  —  2  12  33  60  
Commercial real estate:
Construction and land development—  —  —  —  —  —  —  
Term3  —  —  2  14  1  20  
Total commercial real estate3  —  —  2  14  1  20  
Consumer:
Home equity credit line—  —  1  —  —  —  1  
1-4 family residential—  —  1  —  1  7  9  
Construction and other consumer real estate
—  —  —  —  —  —  —  
Total consumer loans—  —  2  —  1  7  10  
Total nonaccruing10  6  2  4  27  41  90  
Total$18  $17  $16  $6  $45  $100  $202  
1Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc.
2Includes TDRs that resulted from a combination of any of the previous modification types.
Schedule Of Net Financial Impact On Interest Income Due To Interest Rate Modifications Below Market For Accruing TDR Loans
(In millions)20192018
Consumer:
1-4 family residential$—  $(1) 
Total consumer loans—  (1) 
Total decrease to interest income 1
$—  $(1) 
1Calculated based on the difference between the modified rate and the premodified rate applied to the recorded investment.
Schedule Of Investment Of Accruing And Nonaccruing Loans Modified As Troubled Debt Restructurings
(In millions)December 31, 2019December 31, 2018
AccruingNonaccruingTotalAccruingNonaccruingTotal
Commercial:
Commercial and industrial$—  $—  $—  $—  $5  $5  
Owner-occupied—  1  1  —  1  1  
Total commercial—  1  1  —  6  6  
Commercial real estate:
Term—  —  —  —  2  2  
Total commercial real estate—  —  —  —  2  2  
Total$—  $1  $1  $—  $8  $8  
Note: Total loans modified as TDRs during the 12 months previous to December 31, 2019 and 2018 were $40 million and $105 million, respectively.