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ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)
12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the ACL, by loan and lease class:
TABLE 6.1
(in millions)Balance at
Beginning
of Year
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Balance at
End of
Year
Year Ended December 31, 2024
Commercial real estate$166.6 $(38.6)$2.5 $(36.1)$36.4 $166.9 
Commercial and industrial87.8 (20.9)9.3 (11.6)9.4 85.6 
Commercial leases21.2 (0.3)0.1 (0.2)1.9 22.9 
Other3.7 (4.2)1.4 (2.8)3.4 4.3 
Total commercial loans and leases279.3 (64.0)13.3 (50.7)51.1 279.7 
Direct installment33.8 (1.8)1.1 (0.7)(4.0)29.1 
Residential mortgages70.5 (2.6)1.2 (1.4)26.8 95.9 
Indirect installment12.8 (11.8)2.6 (9.2)5.9 9.5 
Consumer lines of credit9.2 (1.6)0.9 (0.7)0.1 8.6 
Total consumer loans126.3 (17.8)5.8 (12.0)28.8 143.1 
Total allowance for credit losses on loans and leases405.6 (81.8)19.1 (62.7)79.9 422.8 
Allowance for unfunded loan commitments21.5    (0.1)21.4 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$427.1 $(81.8)$19.1 $(62.7)$79.8 $444.2 
(in millions)Balance at
Beginning
of Year
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Balance at
End of
Year
Year Ended December 31, 2023
Commercial real estate$162.1 $(12.4)$4.4 $(8.0)$12.5 $166.6 
Commercial and industrial102.1 (51.2)3.8 (47.4)33.1 87.8 
Commercial leases13.5 — — — 7.7 21.2 
Other4.0 (4.5)1.0 (3.5)3.2 3.7 
Total commercial loans and leases281.7 (68.1)9.2 (58.9)56.5 279.3 
Direct installment35.9 (0.6)0.6 — (2.1)33.8 
Residential mortgages55.5 (0.7)0.5 (0.2)15.2 70.5 
Indirect installment17.3 (10.7)2.3 (8.4)3.9 12.8 
Consumer lines of credit11.3 (1.0)0.8 (0.2)(1.9)9.2 
Total consumer loans120.0 (13.0)4.2 (8.8)15.1 126.3 
Total allowance for credit losses on loans and leases401.7 (81.1)13.4 (67.7)71.6 405.6 
Allowance for unfunded loan commitments21.4 — — — 0.1 21.5 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$423.1 $(81.1)$13.4 $(67.7)$71.7 $427.1 
(in millions)Balance at
Beginning of
Period
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Allowance for PCD Loans and Leases at AcquisitionBalance at
End of
Period
Year Ended December 31, 2022
Commercial real estate$156.5 $(12.5)$4.1 $(8.4)$8.0 $6.0 $162.1 
Commercial and industrial87.4 (7.4)5.9 (1.5)12.7 3.5 102.1 
Commercial leases14.7 (0.1)— (0.1)(1.1)— 13.5 
Other2.6 (3.4)1.0 (2.4)3.8 — 4.0 
Total commercial loans and leases261.2 (23.4)11.0 (12.4)23.4 9.5 281.7 
Direct installment26.4 (0.6)0.7 0.1 8.9 0.5 35.9 
Residential mortgages33.1 (0.6)0.5 (0.1)21.2 1.3 55.5 
Indirect installment13.5 (6.1)2.2 (3.9)7.7 — 17.3 
Consumer lines of credit10.1 (1.0)1.1 0.1 0.6 0.5 11.3 
Total consumer loans83.1 (8.3)4.5 (3.8)38.4 2.3 120.0 
Total allowance for credit losses on loans and leases344.3 (31.7)15.5 (16.2)61.8 11.8 401.7 
Allowance for unfunded loan commitments19.1 — — — 2.3 — 21.4 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$363.4 $(31.7)$15.5 $(16.2)$64.1 $11.8 $423.1 
Following is a summary of changes in the AULC by portfolio segment:
TABLE 6.2
Year Ended December 31202420232022
(in millions)
Balance at beginning of period$21.5 $21.4 $19.1 
Provision for unfunded loan commitments and letters of credit:
Commercial portfolio0.1 0.3 2.3 
Consumer portfolio(0.2)(0.2)— 
Balance at end of period$21.4 $21.5 $21.4