ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)

3 Months Ended

Mar. 31, 2025

Following is a summary of changes in the ACL, by loan and lease class:

TABLE 5.1


(in millions)	Balance at Beginning of Period		Charge- Offs		Recoveries		Net (Charge- Offs) Recoveries		Provision for Credit Losses		Balance at End of Period















Three Months Ended March 31, 2025
Commercial real estate	$	166.9	$	(7.6)	$	0.4	$	(7.2)	$	13.7	$	173.4
Commercial and industrial	85.6		(4.3)		2.5		(1.8)		4.8		88.6
Commercial leases	22.9		(0.1)		—		(0.1)		—		22.8
Other	4.3		(1.1)		0.3		(0.8)		0.9		4.4
Total commercial loans and leases	279.7		(13.1)		3.2		(9.9)		19.4		289.2
Direct installment	29.1		(0.4)		0.1		(0.3)		(0.7)		28.1
Residential mortgages	95.9		(0.4)		0.1		(0.3)		(1.5)		94.1
Indirect installment	9.5		(2.2)		0.4		(1.8)		1.5		9.2
Consumer lines of credit	8.6		(0.3)		0.1		(0.2)		(0.1)		8.3
Total consumer loans	143.1		(3.3)		0.7		(2.6)		(0.8)		139.7
Total allowance for credit losses on loans and leases	422.8		(16.4)		3.9		(12.5)		18.6		428.9
Allowance for unfunded loan commitments	21.4		—		—		—		(1.1)		20.3
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments	$	444.2	$	(16.4)	$	3.9	$	(12.5)	$	17.5	$	449.2


(in millions)	Balance at Beginning of Period		Charge- Offs		Recoveries		Net (Charge- Offs) Recoveries		Provision for Credit Losses		Balance at End of Period














Three Months Ended March 31, 2024
Commercial real estate	$	166.6	$	(7.1)	$	0.4	$	(6.7)	$	2.0	$	161.9
Commercial and industrial	87.8		(3.9)		0.8		(3.1)		2.2		86.9
Commercial leases	21.2		(0.2)		—		(0.2)		1.4		22.4
Other	3.7		(0.9)		0.3		(0.6)		1.0		4.1
Total commercial loans and leases	279.3		(12.1)		1.5		(10.6)		6.6		275.3
Direct installment	33.8		(0.2)		0.2		—		(3.2)		30.6
Residential mortgages	70.5		—		—		—		8.8		79.3
Indirect installment	12.8		(2.9)		0.6		(2.3)		2.0		12.5
Consumer lines of credit	9.2		(0.3)		0.4		0.1		(0.7)		8.6
Total consumer loans	126.3		(3.4)		1.2		(2.2)		6.9		131.0
Total allowance for credit losses on loans and leases	405.6		(15.5)		2.7		(12.8)		13.5		406.3
Allowance for unfunded loan commitments	21.5		—		—		—		0.4		21.9
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments	$	427.1	$	(15.5)	$	2.7	$	(12.8)	$	13.9	$	428.2

Following is a summary of changes in the AULC by portfolio segment:

TABLE 5.2


	Three Months Ended March 31,
		2025		2024
(in millions)
Balance at beginning of period		$	21.4	$	21.5
Provision for unfunded loan commitments and letters of credit:
Commercial portfolio		(1.1)		0.5
Consumer portfolio		—		(0.1)






Balance at end of period		$	20.3	$	21.9