EARNINGS PER COMMON SHARE (Tables)

3 Months Ended

Mar. 31, 2019

Earnings Per Share [Abstract]

Computation of Basic and Diluted Earnings Per Common Share

The following table sets forth the computation of basic and diluted earnings per common share:

TABLE 14.1

	Three Months Ended March 31,
(dollars in millions, except per share data)	2019		2018
Net income	$	94	$	87
Less: Preferred stock dividends	2		2
Net income available to common stockholders	$	92	$	85
Basic weighted average common shares outstanding	324,640,715		323,740,956
Net effect of dilutive stock options, warrants and restricted stock	1,188,119		2,026,012
Diluted weighted average common shares outstanding	325,828,834		325,766,968
Earnings per common share:
Basic	$	0.28	$	0.26
Diluted	$	0.28	$	0.26

Schedule of Average Shares Excluded from Diluted Earnings Per Common Share Calculation

The following table shows the average shares excluded from the above calculation as their effect would have been anti-dilutive: 

TABLE 14.2

	Three Months Ended March 31,
	2019	2018
Average shares excluded from the diluted earnings per common share calculation	189	21