Loans (Tables)

6 Months Ended

Jun. 30, 2011

Loans

Schedule Of Loans By Portfolio Segment

	June 30				December 31
(Dollars in thousands)	2011		2010		2010
Commercial:
Commercial, financial, and industrial	$	7,180,261	$	7,003,798	$	7,338,155
Commercial real estate
Income CRE		1,310,779		1,609,835		1,406,646
Residential CRE		182,857		396,934		263,878
Retail:
Consumer real estate		5,383,223		5,935,536		5,617,619
Permanent mortgage		1,015,122		1,018,887		1,086,859
Credit card & other		295,373		355,230		311,924
Restricted real estate loans (a)		694,031		833,830		757,491
Loans, net of unearned income	$	16,061,646	$	17,154,050	$	16,782,572
Allowance for loan losses		524,091		781,269		664,799
Total net loans	$	15,537,555	$	16,372,781	$	16,117,773

(a) Balances as of June 30, 2011 and 2010, and December 30, 2010, include $649.2 million, $770.3 million, and $701.8 million of consumer real estate loans and $44.9 million, $63.5 million, and $55.7 million of permanent mortgage loans, respectively.

Allowance for Credit Losses on Financing Receivables

				Commercial Real			Consumer			Permanent			Credit Card and
(Dollars in thousands)	C&I			Estate			Real Estate			Mortgage			Other (a)			Total
Balance as of January 1, 2010	$	276,648		$	205,724		$	215,087		$	123,897		$	75,558		$	896,914
Adjustment due to amendments of ASC 810		—			—			16,106			8,472			—			24,578
Charge-offs		(54,941	)		(89,307	)		(114,399	)		(46,903	)		(34,393	)		(339,943	)
Recoveries		7,213			5,793			7,990			776			2,948			24,720
Provision		48,115			76,137			80,968			(8,929	)		(21,291	)		175,000
Balance as of June 30, 2010 (b) (c)		277,035			198,347			205,752			77,313			22,822			781,269
Allowance — individually evaluated for impairment		52,091			28,158			11,873			8,922			1,163			102,207
Allowance — collectively evaluated for impairment		224,944			170,189			193,879			68,391			21,659			679,062
Loans, net of unearned as of June 30, 2010:
Individually evaluated for impairment		171,947			294,836			41,337			64,384			634			573,138
Collectively evaluated for impairment		6,831,851			1,711,933			6,664,513			1,018,019			354,596			16,580,912
Total loans, net of unearned (b) (c)	$	7,003,798		$	2,006,769		$	6,705,850		$	1,082,403		$	355,230		$	17,154,050
Balance as of January 1, 2011	$	239,469		$	155,085		$	192,350		$	65,009		$	12,886		$	664,799
Charge-offs		(24,852	)		(23,711	)		(91,764	)		(20,784	)		(9,584	)		(170,695	)
Recoveries		8,837			5,066			8,436			3,534			2,114			27,987
Provision		(17,176	)		(36,973	)		53,633			(1,157	)		3,673			2,000
Balance as of June 30, 2011 (b) (c)		206,278			99,467			162,655			46,602			9,089			524,091
Allowance — individually evaluated for impairment		50,673			9,797			23,656			14,586			752			99,464
Allowance — collectively evaluated for impairment		155,605			89,670			138,999			32,016			8,337			424,627
Loans, net of unearned as of June 30, 2011:
Individually evaluated for impairment		222,896			174,379			91,117			111,979			1,186			601,557
Collectively evaluated for impairment		6,957,365			1,319,257			5,941,284			947,996			294,187			15,460,089
Total loans, net of unearned (b) (c)	$	7,180,261		$	1,493,636		$	6,032,401		$	1,059,975		$	295,373		$	16,061,646

(a)	Includes OTC.
(b)	Q2 2011 and Q2 2010 include $29.9 million and $43.0 million of reserves, respectively, and $649.2 million and $770.3 million of balances in restricted consumer real estate loans, respectively.
(c)	Q2 2011 and Q2 2010 include $3.1 million and $7.1 million of reserves, respectively, and $44.9 million and $63.5 million of balances in restricted permanent mortgage loans, respectively.

Schedule Of Investment In Impaired Loans, Allowance For Loan Loss, Unpaid Impaired Loans And Interest Income Recognized On Impaired Loans

							Three Months Ended				Six Months Ended
	June 30, 2011						June 30, 2011				June 30, 2011
	Recorded		Unpaid Principal		Related		Average Recorded		Interest Income		Average Recorded		Interest Income
(Dollars in thousands)	Investment		Balance		Allowance		Investment		Recognized		Investment		Recognized
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	96,198	$	117,608	$	—	$	89,618	$	232	$	70,328	$	489
TRUPs		52,742		57,000		—		43,857		—		39,074		—
Income CRE		96,935		173,878		—		110,102		392		102,411		531
Residential CRE		42,920		93,746		—		53,571		269		51,161		344
Total	$	288,795	$	442,232	$	—	$	297,148	$	893	$	262,974	$	1,364
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	46,690	$	53,258	$	23,980	$	57,790	$	81	$	81,482	$	140
TRUPs		27,266		30,000		26,693		27,266		—		27,266		—
Income CRE		12,129		12,314		3,550		11,866		11		23,335		11
Residential CRE		22,395		22,631		6,247		22,351		—		31,354		—
Total	$	108,480	$	118,203	$	60,470	$	119,273	$	92	$	163,437	$	151
Retail:
HELOC	$	36,617	$	36,617	$	11,818	$	33,507	$	180	$	30,996	$	321
R/E Installment Loans		54,500		54,500		11,837		51,337		182		49,450		344
Permanent Mortgage		111,979		111,979		14,586		107,935		434		104,372		914
Credit Card & Other		1,186		1,186		752		1,250		12		975		24
Total	$	204,282	$	204,282	$	38,993	$	194,029	$	808	$	185,793	$	1,603
Total commercial	$	397,275	$	560,435	$	60,470	$	416,421	$	985	$	426,411	$	1,515
Total retail	$	204,282	$	204,282	$	38,993	$	194,029	$	808	$	185,793	$	1,603
Total impaired loans	$	601,557	$	764,717	$	99,463	$	610,450	$	1,793	$	612,204	$	3,118

	June 30, 2010
	Recorded		Unpaid Principal		Related
(Dollars in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance recorded:
Commercial:
General C&I	$	25,552	$	32,233	$	—
TRUPs		36,756		42,700		—
Income CRE		98,816		190,519		—
Residential CRE		96,584		202,797		—
Total	$	257,708	$	468,249	$	—
Impaired loans with related allowance recorded:
Commercial:
General C&I	$	82,373	$	118,120	$	38,069
TRUPs		27,266		30,000		14,022
Income CRE		45,841		52,735		12,107
Residential CRE		53,595		60,319		16,051
Total	$	209,075	$	261,174	$	80,249
Retail:
HELOC	$	17,493	$	17,493	$	5,025
R/E Installment Loans		23,844		23,844		6,849
Permanent Mortgage		64,384		64,384		9,793
OTC, Credit Card, & Other		634		634		292
Total	$	106,355	$	106,355	$	21,959
Total commercial	$	466,783	$	729,423	$	80,249
Total retail	$	106,355	$	106,355	$	21,959
Total impaired loans	$	573,138	$	835,778	$	102,208

Commercial Loan Portfolio Classes, Disaggregated By PD Grade

	June 30, 2011
	General		Loans to Mortgage				Income		Residential
(Dollars in millions)	C&I		Companies		TRUPS (a)		CRE		CRE		Total
PD Grade:
1	$	110	$	—	$	—	$	—	$	—	$	110
2		125		—		—		3		—		128
3		169		—		—		13		—		182
4		184		—		—		7		—		191
5		300		—		—		17		—		317
6		798		62		—		70		1		931
7		852		179		—		111		3		1,145
8		1,128		256		—		174		7		1,565
9		542		84		—		119		3		748
10		435		—		—		146		2		583
11		530		—		—		111		1		642
12		99		—		—		17		5		121
13		348		—		329		125		10		812
14,15,16		406		1		20		289		86		802
Total loans collectively evaluated for impairment		6,026		582		349		1,202		118		8,277
Total loans individually evaluated for impairment		143		—		80		109		65		397
Total commercial loans	$	6,169	$	582	$	429	$	1,311	$	183	$	8,674

(a) Presented net of a $35.6 million lower of cost or market ("LOCOM") valuation allowance. Based on the underlying structure of the notes, the highest possible internal grade is "13". Portfolio reserve estimate considers recent financial performance of individual borrowers and other factors.

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The HELOC

			Origination Characteristics														Avg
Origination	Period End							%			%			%			Refreshed
Vintage	Balance(a)		Avg orig CLTV			Avg orig FICO		Broker			TN			1st Lien			FICO
pre-2003	$	206		75.4	%		723		14.6	%		41.4	%		22.8	%		720
2003		298		76.1	%		733		24.0	%		25.8	%		16.0	%		726
2004		637		79.6	%		728		32.0	%		17.4	%		19.1	%		720
2005		789		79.5	%		734		16.1	%		16.7	%		12.1	%		721
2006		593		76.6	%		742		6.9	%		23.6	%		13.8	%		726
2007		599		77.5	%		746		13.4	%		29.3	%		14.8	%		732
2008		307		74.0	%		755		8.7	%		69.7	%		36.5	%		749
2009		192		71.6	%		755		0.0	%		86.3	%		44.9	%		755
2010		192		73.2	%		756		0.0	%		94.9	%		45.8	%		758
2011		72		72.7	%		756		0.0	%		94.4	%		46.9	%		758
Total	$	3,885		77.0	%		740		14.9	%		34.7	%		20.6	%		730

(a) Includes $649.2 million of restricted loan balances.

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For The Real Estate Installment Loans

			Origination Characteristics														Avg
Origination	Period End							%			%			%			Refreshed
Vintage	Balance		Avg orig CLTV			Avg orig FICO		Broker			TN			1st Lien			FICO
pre-2003	$	69		77.5	%		693		17.9	%		62.4	%		67.1	%		689
2003		192		72.5	%		723		3.2	%		44.4	%		77.6	%		732
2004		113		74.0	%		712		7.3	%		50.9	%		72.1	%		712
2005		304		83.0	%		721		25.9	%		21.1	%		27.7	%		716
2006		334		78.9	%		722		4.6	%		24.6	%		25.1	%		707
2007		465		81.9	%		731		15.8	%		24.0	%		24.6	%		715
2008		182		77.1	%		737		5.7	%		77.8	%		79.2	%		733
2009		118		71.4	%		752		0.0	%		89.2	%		82.2	%		754
2010		212		85.0	%		748		0.0	%		89.1	%		97.2	%		749
2011		160		85.1	%		757		0.0	%		91.5	%		97.0	%		755
Total	$	2,149		79.8	%		731		9.5	%		47.7	%		54.0	%		724

Period-End Balances And Various Asset Quality Attributes By Origination Vintage For Permanent Mortgage Classes Of Loans

			Origination Characteristics														Avg
Origination	Period End							%			%			%			Refreshed
Vintage	Balance(a)		Avg orig CLTV			Avg orig FICO		Broker			TN			1st Lien			FICO
pre-2004	$	196		67.6	%		726		50.9	%		8.9	%		100.0	%		732
2004		14		82.6	%		724		18.5	%		26.0	%		100.0	%		700
2005		71		79.8	%		740		36.2	%		3.0	%		98.8	%		720
2006		142		77.9	%		732		40.1	%		2.1	%		96.9	%		686
2007		407		76.9	%		731		55.5	%		0.9	%		95.6	%		678
2008		230		80.0	%		736		55.3	%		0.4	%		100.0	%		679
Total	$	1,060		76.4	%		732		50.8	%		2.9	%		97.9	%		691

(a) Includes $44.9 million of restricted loan balances and first lien mortgages recognized through the exercise of cleanup calls for certain proprietary first lien securitization trusts.

Accruing Delinquency Amounts For Credit Card And Other Portfolio Classes

	June 30, 2011
(Dollars in millions)	Credit Card		Other
Accruing delinquent balances:
30-89 days past due	$	1.4	$	0.9
90+ days past due		1.1		—
Total	$	2.5	$	0.9

Accruing And Non-Accruing Loans By Class

The following table reflects accruing and non-accruing loans by class on June 30, 2011:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90 + Days Past Due		Total Accruing		Current		30-89 Days Past Due		90 + Days Past Due		Total Non-Accruing		Total Loans
Commercial (C&I) :
General C&I	$	5,999,416	$	36,859	$	398	$	6,036,673	$	70,532	$	8,229	$	52,773	$	131,534	$	6,168,207
Loans to mortgage companies		581,871		—		—		581,871		—		—		656		656		582,527
TRUPS (a)		349,519		—		—		349,519		—		—		80,008		80,008		429,527
Total commercial (C&I)		6,930,806		36,859		398		6,968,063		70,532		8,229		133,437		212,198		7,180,261
Commercial real estate:
Income CRE		1,184,361		14,322		181		1,198,864		35,221		6,552		70,142		111,915		1,310,779
Residential CRE		103,254		9,392		—		112,646		30,430		1,105		38,676		70,211		182,857
Total commercial real estate		1,287,615		23,714		181		1,311,510		65,651		7,657		108,818		182,126		1,493,636
Consumer real estate:
HELOC (b)		3,794,849		41,577		25,909		3,862,335		13,332		1,550		7,542		22,424		3,884,759
R/E installment loans		2,099,708		22,627		10,656		2,132,991		10,429		1,168		3,054		14,651		2,147,642
Total consumer real estate		5,894,557		64,204		36,565		5,995,326		23,761		2,718		10,596		37,075		6,032,401
Permanent mortgage (b)		877,922		20,865		20,674		919,461		27,813		2,537		110,164		140,514		1,059,975
Credit card & other
Credit card		189,180		1,480		1,141		191,801		—		—		—		—		191,801
Other (c)		93,173		908		10		94,091		6		—		9,475		9,481		103,572
Total credit card & other		282,353		2,388		1,151		285,892		6		—		9,475		9,481		295,373
Total loans, net of unearned	$	15,273,253	$	148,030	$	58,969	$	15,480,252	$	187,763	$	21,141	$	372,490	$	581,394	$	16,061,646

(a)	Includes LOCOM valuation allowance $35.6 million.
(b)	Includes restricted loans.
(c)	Includes OTC and non real estate installment loans.

The following table reflects accruing and non-accruing loans by class on June 30, 2010:

	Accruing								Non-Accruing
(Dollars in thousands)	Current		30-89 Days Past Due		90 + Days Past Due		Total Accruing		Current		30-89 Days Past Due		90 + Days Past Due		Total Non-Accruing		Total Loans
Commercial (C&I) :
General C&I	$	5,548,007	$	69,396	$	2,125	$	5,619,528	$	67,980	$	19,035	$	52,184	$	139,199	$	5,758,727
Loans to mortgage companies		813,457		—		—		813,457		—		—		2,083		2,083		815,540
TRUPS (a)		365,700		—		—		365,700		—		—		63,831		63,831		429,531
Total commercial (C&I)		6,727,164		69,396		2,125		6,798,685		67,980		19,035		118,098		205,113		7,003,798
Commercial real estate:
Income CRE		1,431,439		20,394		633		1,452,466		25,131		4,777		127,461		157,369		1,609,835
Residential CRE		210,329		4,239		5,633		220,201		32,340		659		143,734		176,733		396,934
Total commercial real estate		1,641,768		24,633		6,266		1,672,667		57,471		5,436		271,195		334,102		2,006,769
Consumer real estate:
HELOC (b)		4,188,397		65,836		33,548		4,287,781		5,509		1,279		5,360		12,148		4,299,929
R/E installment loans		2,336,231		39,585		19,405		2,395,221		5,556		958		4,186		10,700		2,405,921
Total consumer real estate		6,524,628		105,421		52,953		6,683,002		11,065		2,237		9,546		22,848		6,705,850
Permanent mortgage (b)		907,103		23,734		27,582		958,419		12,732		1,509		109,743		123,984		1,082,403
Credit card & other
Credit card		185,222		2,091		1,840		189,153		—		—		—		—		189,153
Other (c)		111,867		651		98		112,616		—		—		53,461		53,461		166,077
Total credit card & other		297,089		2,742		1,938		301,769		—		—		53,461		53,461		355,230
Total loans, net of unearned	$	16,097,752	$	225,926	$	90,864	$	16,414,542	$	149,248	$	28,217	$	562,043	$	739,508	$	17,154,050

(a)	Includes LOCOM valuation allowance $35.6 million.
(b)	Includes restricted loans.
(c)	Includes OTC. All nonaccruing balances reflect OTC.