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Loans and Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Schedule of composition of loan portfolio
The following table presents the composition of the loan portfolio.
 
September 30, 2020
 
December 31, 2019
 
(In Thousands)
Commercial loans:
 
 
 
Commercial, financial and agricultural
$
26,940,173

 
$
24,432,238

Real estate – construction
2,403,674

 
2,028,682

Commercial real estate – mortgage
13,695,800

 
13,861,478

Total commercial loans
43,039,647

 
40,322,398

Consumer loans:
 
 
 
Residential real estate – mortgage
13,463,757

 
13,533,954

Equity lines of credit
2,441,723

 
2,592,680

Equity loans
194,367

 
244,968

Credit card
907,793

 
1,002,365

Consumer direct
2,023,696

 
2,338,142

Consumer indirect
4,109,629

 
3,912,350

Total consumer loans
23,140,965

 
23,624,459

Total loans
$
66,180,612

 
$
63,946,857
Disclosure of activity in allowance for loan losses during year
The following table, which excludes loans held for sale, presents a summary of the activity in the allowance for loan losses. The portion of the allowance that has not been identified by the Company as related to specific loan categories has been allocated to the individual loan categories on a pro rata basis for purposes of the table below:
 
Commercial, Financial and Agricultural
 
Commercial Real Estate (1)
 
Residential Real Estate (2)
 
Consumer (3)
 
Total
 
(In Thousands)
Three months ended September 30, 2020
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
757,512

 
$
227,875

 
$
183,485

 
$
585,480

 
$
1,754,352

Provision (credit) for loan losses
7,128

 
89,086

 
65,974

 
(11,299
)
 
150,889

Loans charged-off
(54,187
)
 
(372
)
 
(962
)
 
(66,200
)
 
(121,721
)
Loan recoveries
3,398

 
121

 
1,041

 
16,343

 
20,903

Net (charge-offs) recoveries
(50,789
)
 
(251
)
 
79

 
(49,857
)
 
(100,818
)
Ending balance
$
713,851

 
$
316,710

 
$
249,538

 
$
524,324

 
$
1,804,423

Three months ended September 30, 2019
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
456,054

 
$
117,786

 
$
100,351

 
$
303,469

 
$
977,660

Provision for loan losses
28,787

 
6,410

 
3,214

 
102,218

 
140,629

Loans charged-off
(73,178
)
 
(2,270
)
 
(4,835
)
 
(121,400
)
 
(201,683
)
Loan recoveries
3,236

 
79

 
3,183

 
19,087

 
25,585

Net charge-offs
(69,942
)
 
(2,191
)
 
(1,652
)
 
(102,313
)
 
(176,098
)
Ending balance
$
414,899

 
$
122,005

 
$
101,913

 
$
303,374

 
$
942,191

 
 
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2020
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance, prior to adoption of ASC 326
$
408,197

 
$
118,633

 
$
99,089

 
$
295,074

 
$
920,993

Impact of adopting ASC 326
18,389

 
(35,034
)
 
47,390

 
154,186

 
184,931

Beginning balance, after adoption of ASC 326
426,586

 
83,599

 
146,479

 
449,260

 
1,105,924

Provision for loan losses
386,106

 
241,910

 
103,142

 
303,011

 
1,034,169

Loan charge-offs
(109,364
)
 
(9,512
)
 
(4,056
)
 
(279,959
)
 
(402,891
)
Loan recoveries
10,523

 
713

 
3,973

 
52,012

 
67,221

Net charge-offs
(98,841
)
 
(8,799
)
 
(83
)
 
(227,947
)
 
(335,670
)
Ending balance
$
713,851

 
$
316,710

 
$
249,538

 
$
524,324

 
$
1,804,423

Nine Months Ended September 30, 2019
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
Beginning balance
$
393,315

 
$
112,437

 
$
101,929

 
$
277,561

 
$
885,242

Provision for loan losses
142,185

 
9,906

 
5,147

 
320,701

 
477,939

Loan charge-offs
(132,006
)
 
(2,407
)
 
(14,526
)
 
(345,028
)
 
(493,967
)
Loan recoveries
11,405

 
2,069

 
9,363

 
50,140

 
72,977

Net charge-offs
(120,601
)
 
(338
)
 
(5,163
)
 
(294,888
)
 
(420,990
)
Ending balance
$
414,899

 
$
122,005

 
$
101,913

 
$
303,374

 
$
942,191

(1)
Includes commercial real estate – mortgage and real estate – construction loans.
(2)
Includes residential real estate – mortgage, equity lines of credit and equity loans.
(3)
Includes credit card, consumer direct and consumer indirect loans.
For the three months ended September 30, 2020, the increase in the allowance for loan losses was primarily driven by deterioration in credit quality indicators of the loan portfolio, primarily driven by downgrades in the commercial loan portfolios due to the impact of the COVID-19 pandemic. For the nine months ended September 30, 2020, the increase in the allowance for loan losses was primarily driven by the deteriorating economic outlook resulting from the COVID-19 pandemic as well as the impact of declining oil prices.
The table below provides a summary of the allowance for loan losses and related loan balances by portfolio at December 31, 2019.
 
Commercial, Financial and Agricultural
 
Commercial Real Estate (1)
 
Residential Real Estate (2)
 
Consumer (3)
 
Total
 
(In Thousands)
December 31, 2019
 
 
 
 
 
 
 
 
 
Ending balance of allowance attributable to loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
88,164

 
$
13,255

 
$
22,775

 
$
2,638

 
$
126,832

Collectively evaluated for impairment
320,033

 
105,378

 
76,314

 
292,436

 
794,161

Total allowance for loan losses
$
408,197

 
$
118,633

 
$
99,089

 
$
295,074

 
$
920,993

Ending balance of loans:
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
238,653

 
$
78,301

 
$
155,728

 
$
13,362

 
$
486,044

Collectively evaluated for impairment
24,193,585

 
15,811,859

 
16,215,874

 
7,239,495

 
63,460,813

Total loans
$
24,432,238

 
$
15,890,160

 
$
16,371,602

 
$
7,252,857

 
$
63,946,857

(1)
Includes commercial real estate – mortgage and real estate – construction loans.
(2)
Includes residential real estate – mortgage, equity lines of credit and equity loans.
(3)
Includes credit card, consumer direct and consumer indirect loans.
Schedule of nonaccrual financing receivables
The following table presents information on nonaccrual loans, by loan class at September 30, 2020.
 
September 30, 2020
 
Nonaccrual
 
Nonaccrual With No Recorded Allowance
 
(In Thousands)
Commercial, financial and agricultural
$
660,254

 
$
67,309

Real estate – construction
12,614

 
—

Commercial real estate – mortgage
275,668

 
27,771

Residential real estate – mortgage
204,442

 
—

Equity lines of credit
37,216

 
—

Equity loans
8,758

 
—

Credit card
—

 
—

Consumer direct
9,134

 
—

Consumer indirect
24,954

 
—

Total loans
$
1,233,040

 
$
95,080
Schedule of impaired financing receivables
The following table presents information on individually evaluated impaired loans, by loan class at December 31, 2019.
 
December 31, 2019
 
Individually Evaluated Impaired Loans With No Recorded Allowance
 
Individually Evaluated Impaired Loans With a Recorded Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Allowance
 
Recorded Investment
 
Unpaid Principal Balance
 
Allowance
 
(In Thousands)
Commercial, financial and agricultural
$
51,203

 
$
52,991

 
$
—

 
$
187,450

 
$
249,486

 
$
88,164

Real estate – construction
—

 
—

 
—

 
5,972

 
5,979

 
850

Commercial real estate – mortgage
46,232

 
51,286

 
—

 
26,097

 
27,757

 
12,405

Residential real estate – mortgage
—

 
—

 
—

 
111,623

 
111,623

 
8,974

Equity lines of credit
—

 
—

 
—

 
15,466

 
15,472

 
10,896

Equity loans
—

 
—

 
—

 
28,639

 
29,488

 
2,905

Credit card
—

 
—

 
—

 
—

 
—

 
—

Consumer direct
—

 
—

 
—

 
11,601

 
13,596

 
1,903

Consumer indirect
—

 
—

 
—

 
1,761

 
1,761

 
735

Total loans
$
97,435

 
$
104,277

 
$
—

 
$
388,609

 
$
455,162

 
$
126,832


The following tables present information on individually impaired loans, by loan class for the three and nine months ended September 30, 2019.
 
Three Months Ended September 30, 2019
 
Average Recorded Investment
 
Interest Income Recognized
 
(In Thousands)
Commercial, financial and agricultural
$
318,790

 
$
496

Real estate – construction
584

 
2

Commercial real estate – mortgage
77,165

 
221

Residential real estate – mortgage
109,450

 
691

Equity lines of credit
16,553

 
164

Equity loans
29,455

 
268

Credit card
—

 
—

Consumer direct
7,360

 
102

Consumer indirect
203

 
—

Total loans
$
559,560

 
$
1,944

 
 
 
 
 
Nine Months Ended September 30, 2019
 
Average Recorded Investment
 
Interest Income Recognized
 
(In Thousands)
Commercial, financial and agricultural
$
377,390

 
$
2,033

Real estate – construction
436

 
6

Commercial real estate – mortgage
79,910

 
687

Residential real estate – mortgage
107,456

 
2,021

Equity lines of credit
15,617

 
514

Equity loans
30,568

 
816

Credit card
—

 
—

Consumer direct
6,459

 
233

Consumer indirect
280

 
—

Total loans
$
618,116

 
$
6,310
Schedule of credit quality indicators associated with the Company's loans
The following tables, which exclude loans held for sale, illustrate the credit quality indicators associated with the Company’s loans, by loan class.

Commercial

September 30, 2020

Recorded Investment of Term Loans by Origination Year

 
 
 
 
 

2020
 
2019
 
2018
 
2017
 
2016

Prior

Recorded Investment of Revolving Loans
 
Recorded Investment of Revolving Loans Converted to Term Loans
 
Total

(In Thousands)
Commercial, financial and agricultural

















Pass
$
4,572,407

 
$
2,978,677

 
$
2,607,424

 
$
2,926,530

 
$
1,067,416

 
$
3,431,190

 
$
7,991,155

 
$
—


$
25,574,799

Special Mention
48,114

 
27,997

 
64,487

 
50,861

 
25,958

 
55,495

 
357,594

 
—


630,506

Substandard
22,771

 
19,829

 
47,314

 
57,440

 
31,907

 
83,181

 
381,100

 
—


643,542

Doubtful
—

 
—

 
30,797

 
24,690

 
7,606

 
13,876

 
14,357

 
—


91,326

Total commercial, financial and agricultural
$
4,643,292

 
$
3,026,503

 
$
2,750,022

 
$
3,059,521

 
$
1,132,887

 
$
3,583,742

 
$
8,744,206

 
$
—

 
$
26,940,173

Real estate - construction

















Pass
$
157,825

 
$
724,378

 
$
750,181

 
$
368,924

 
$
108,282

 
$
79,430

 
$
168,885

 
$
—


$
2,357,905

Special Mention
—

 
—

 
—

 
18,982

 
1,532

 
454

 
—

 
—


20,968

Substandard
—

 
6,660

 
7,374

 
—

 
6,104

 
4,663

 
—

 
—


24,801

Doubtful
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—


—

Total real estate - construction
$
157,825

 
$
731,038

 
$
757,555

 
$
387,906

 
$
115,918

 
$
84,547

 
$
168,885

 
$
—

 
$
2,403,674

Commercial real estate - mortgage

















Pass
$
1,099,683

 
$
3,112,582

 
$
3,675,597

 
$
1,667,937

 
$
1,008,139

 
$
2,479,403

 
$
219,460

 
$
—


$
13,262,801

Special Mention
2,854

 
27,804

 
110,568

 
4,164

 
25,520

 
37,157

 
—

 
—


208,067

Substandard
575

 
566

 
11,872

 
61,771

 
23,318

 
114,042

 
9,818

 
—


221,962

Doubtful
—

 
—

 
—

 
—

 
—

 
2,970

 
—

 
—


2,970

Total commercial real estate - mortgage
$
1,103,112

 
$
3,140,952

 
$
3,798,037

 
$
1,733,872

 
$
1,056,977

 
$
2,633,572

 
$
229,278

 
$
—

 
$
13,695,800

 
December 31, 2019
 
Commercial, Financial and Agricultural
 
Real Estate - Construction
 
Commercial Real Estate - Mortgage
 
(In Thousands)
Pass
$
23,319,645

 
$
1,979,310

 
$
13,547,273

Special Mention
543,928

 
67

 
168,679

Substandard
488,813

 
49,305

 
134,420

Doubtful
79,852

 
—

 
11,106

 
$
24,432,238

 
$
2,028,682

 
$
13,861,478

 
Consumer
 
September 30, 2020
 
Recorded Investment of Term Loans by Origination Year
 
 
 
 
 
 
 
2020
 
2019
 
2018
 
2017
 
2016
 
Prior
 
Recorded Investment of Revolving Loans
 
Recorded Investment of Revolving Loans Converted to Term Loans
 
Total
 
(In Thousands)
Residential real estate - mortgage
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
1,774,759

 
$
2,373,282

 
$
1,184,954

 
$
1,244,319

 
$
1,375,615

 
$
5,266,254

 
$
—

 
$
—

 
$
13,219,183

Nonperforming
328

 
2,417

 
9,463

 
21,155

 
16,904

 
194,307

 
—

 
—

 
244,574

Total residential real estate - mortgage
$
1,775,087

 
$
2,375,699

 
$
1,194,417

 
$
1,265,474

 
$
1,392,519

 
$
5,460,561

 
$
—

 
$
—

 
$
13,463,757

Equity lines of credit
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
2,397,594

 
$
3,468

 
$
2,401,062

Nonperforming
—

 
—

 
—

 
—

 
—

 
—

 
40,462

 
199

 
40,661

Total equity lines of credit
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
2,438,056

 
$
3,667

 
$
2,441,723

Equity loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
3,717

 
$
13,212

 
$
10,689

 
$
4,748

 
$
3,924

 
$
148,622

 
$
—

 
$
—

 
$
184,912

Nonperforming
14

 
—

 
473

 
163

 
—

 
8,805

 
—

 
—

 
9,455

Total equity loans
$
3,731

 
$
13,212

 
$
11,162

 
$
4,911

 
$
3,924

 
$
157,427

 
$
—

 
$
—

 
$
194,367

Credit card
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
891,251

 
$
—

 
$
891,251

Nonperforming
—

 
—

 
—

 
—

 
—

 
—

 
16,542

 
—

 
16,542

Total credit card
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
907,793

 
$
—

 
$
907,793

Consumer direct
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
352,071

 
$
568,277

 
$
470,073

 
$
133,739

 
$
62,502

 
$
24,366

 
$
396,891

 
$
—

 
$
2,007,919

Nonperforming
155

 
3,722

 
7,892

 
1,821

 
576

 
164

 
1,447

 
—

 
15,777

Total consumer direct
$
352,226

 
$
571,999

 
$
477,965

 
$
135,560

 
$
63,078

 
$
24,530

 
$
398,338

 
$
—

 
$
2,023,696

Consumer indirect
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
$
1,010,830

 
$
1,402,703

 
$
980,220

 
$
411,866

 
$
136,671

 
$
138,551

 
$
—

 
$
—

 
$
4,080,841

Nonperforming
512

 
4,675

 
10,095

 
6,479

 
3,715

 
3,312

 
—

 
—

 
28,788

Total consumer indirect
$
1,011,342

 
$
1,407,378

 
$
990,315

 
$
418,345

 
$
140,386

 
$
141,863

 
$
—

 
$
—

 
$
4,109,629

 
December 31, 2019
 
Residential Real Estate -Mortgage
 
Equity Lines of Credit
 
Equity Loans
 
Credit Card
 
Consumer Direct
 
Consumer Indirect
 
(In Thousands)
Performing
$
13,381,709

 
$
2,553,000

 
$
236,122

 
$
979,569

 
$
2,313,082

 
$
3,870,839

Nonperforming
152,245

 
39,680

 
8,846

 
22,796

 
25,060

 
41,511

 
$
13,533,954

 
$
2,592,680

 
$
244,968

 
$
1,002,365

 
$
2,338,142

 
$
3,912,350
Schedule of past due loans
The following tables present an aging analysis of the Company’s past due loans, excluding loans classified as held for sale.
 
September 30, 2020
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days or More Past Due
 
Nonaccrual
 
Accruing TDRs
 
Total Past Due, Nonaccrual or TDR
 
Not Past Due, Nonaccrual or TDR
 
Total
 
(In Thousands)
Commercial, financial and agricultural
$
22,632

 
$
12,890

 
$
21,261

 
$
660,254

 
$
19,713

 
$
736,750

 
$
26,203,423

 
$
26,940,173

Real estate – construction
2,861

 
303

 
532

 
12,614

 
61

 
16,371

 
2,387,303

 
2,403,674

Commercial real estate – mortgage
19,280

 
3,968

 
1,816

 
275,668

 
1,831

 
302,563

 
13,393,237

 
13,695,800

Residential real estate – mortgage
88,035

 
49,344

 
39,728

 
204,442

 
55,132

 
436,681

 
13,027,076

 
13,463,757

Equity lines of credit
13,418

 
6,300

 
3,445

 
37,216

 
—

 
60,379

 
2,381,344

 
2,441,723

Equity loans
1,847

 
1,158

 
271

 
8,758

 
20,750

 
32,784

 
161,583

 
194,367

Credit card
9,776

 
7,526

 
16,542

 
—

 
—

 
33,844

 
873,949

 
907,793

Consumer direct
25,762

 
11,730

 
6,643

 
9,134

 
17,926

 
71,195

 
1,952,501

 
2,023,696

Consumer indirect
34,116

 
9,744

 
3,834

 
24,954

 
—

 
72,648

 
4,036,981

 
4,109,629

Total loans
$
217,727

 
$
102,963

 
$
94,072

 
$
1,233,040

 
$
115,413

 
$
1,763,215

 
$
64,417,397

 
$
66,180,612

 
December 31, 2019
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days or More Past Due
 
Nonaccrual
 
Accruing TDRs
 
Total Past Due and Impaired
 
Not Past Due or Impaired
 
Total
 
(In Thousands)
Commercial, financial and agricultural
$
29,273

 
$
16,462

 
$
6,692

 
$
268,288

 
$
1,456

 
$
322,171

 
$
24,110,067

 
$
24,432,238

Real estate – construction
7,603

 
2

 
571

 
8,041

 
72

 
16,289

 
2,012,393

 
2,028,682

Commercial real estate – mortgage
5,325

 
5,458

 
6,576

 
98,077

 
3,414

 
118,850

 
13,742,628

 
13,861,478

Residential real estate – mortgage
72,571

 
21,909

 
4,641

 
147,337

 
57,165

 
303,623

 
13,230,331

 
13,533,954

Equity lines of credit
15,766

 
6,581

 
1,567

 
38,113

 
—

 
62,027

 
2,530,653

 
2,592,680

Equity loans
2,856

 
1,028

 
195

 
8,651

 
23,770

 
36,500

 
208,468

 
244,968

Credit card
11,275

 
9,214

 
22,796

 
—

 
—

 
43,285

 
959,080

 
1,002,365

Consumer direct
33,658

 
20,703

 
18,358

 
6,555

 
12,438

 
91,712

 
2,246,430

 
2,338,142

Consumer indirect
83,966

 
28,430

 
9,730

 
31,781

 
—

 
153,907

 
3,758,443

 
3,912,350

Total loans
$
262,293

 
$
109,787

 
$
71,126

 
$
606,843

 
$
98,315

 
$
1,148,364

 
$
62,798,493

 
$
63,946,857
Schedule of troubled debt restructuring loans and subsequent defaults on restructured loans
The following tables provide a summary of initial subsequent defaults that occurred within one year of the restructure date. The tables exclude loans classified as held for sale as of period-end and includes loans no longer in default as of period-end.
 
Three Months Ended September 30, 2020
 
Three Months Ended September 30, 2019
 
Number of Contracts
 
Recorded Investment at Default
 
Number of Contracts
 
Recorded Investment at Default
 
(Dollars in Thousands)
Commercial, financial and agricultural
1

 
$
16,739

 
—

 
$
—

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
—

 
—

 
1

 
599

Residential real estate – mortgage
—

 
—

 
1

 
234

Equity lines of credit
—

 
—

 
—

 
—

Equity loans
1

 
270

 
—

 
—

Credit card
—

 
—

 
—

 
—

Consumer direct
—

 
—

 
1

 
600

Consumer indirect
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2020
 
Nine Months Ended September 30, 2019
 
Number of Contracts
 
Recorded Investment at Default
 
Number of Contracts
 
Recorded Investment at Default
 
(Dollars in Thousands)
Commercial, financial and agricultural
1

 
$
16,739

 
—

 
$
—

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
—

 
—

 
1

 
599

Residential real estate – mortgage
2

 
182

 
2

 
455

Equity lines of credit
1

 
65

 
—

 
—

Equity loans
1

 
270

 
2

 
151

Credit card
—

 
—

 
—

 
—

Consumer direct
5

 
235

 
4

 
2,610

Consumer indirect
—

 
—

 
—

 
—

The following tables present an analysis of the types of loans that were restructured and classified as TDRs, excluding loans classified as held for sale.
 
Three Months Ended September 30, 2020
 
Three Months Ended September 30, 2019
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
(Dollars in Thousands)
Commercial, financial and agricultural
10

 
$
104,864

 
4

 
$
1,411

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
2

 
5,589

 
2

 
18,115

Residential real estate – mortgage
19

 
6,706

 
29

 
8,523

Equity lines of credit
5

 
168

 
3

 
259

Equity loans
6

 
1,246

 
1

 
49

Credit card
—

 
—

 
—

 
—

Consumer direct
42

 
2,545

 
110

 
4,401

Consumer indirect
—

 
—

 
1

 
2

 
 
 
 
 
 
 
 
 
Nine Months Ended September 30, 2020
 
Nine Months Ended September 30, 2019
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
Number of Contracts
 
Post-Modification Outstanding Recorded Investment
 
(Dollars in Thousands)
Commercial, financial and agricultural
21

 
$
170,579

 
10

 
$
28,330

Real estate – construction
—

 
—

 
—

 
—

Commercial real estate – mortgage
5

 
7,886

 
6

 
20,638

Residential real estate – mortgage
34

 
8,528

 
65

 
15,574

Equity lines of credit
13

 
567

 
5

 
353

Equity loans
8

 
1,496

 
8

 
456

Credit card
—

 
—

 
—

 
—

Consumer direct
176

 
10,656

 
178

 
9,176

Consumer indirect
—

 
—

 
1

 
2