CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Operating Activities
Net income	$ 117	$ 122
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	18	14
Provision for credit losses	17	14
Deferred tax expense (benefit)	10	15
Loans originated for sale	(328)	(313)
Loans sold	353	356
Net (gains) losses on sale of loans	(4)	(3)
Net change in:
Interest receivable	(2)	(15)
Interest payable	(3)	(5)
Bank owned life insurance, excluding purchases	(2)	(3)
Other, net	(112)	63
Net cash flows provided by (used in) operating activities	64	245
Investing Activities
Net change in loans and leases, excluding sales and transfers	(300)	(261)
Debt securities available for sale:
Purchases	(118)	(460)
Maturities/payments	152	473
Debt securities held to maturity:
Purchases	(126)	(96)
Maturities/payments	78	117
Increase in premises and equipment	(21)	(29)
Net proceeds from sales of portfolio loans	0	332
Net cash flows provided by (used in) investing activities	(335)	76
Financing Activities
Demand (non-interest-bearing and interest-bearing) and savings accounts	327	(446)
Time deposits	(195)	469
Short-term borrowings	712	(432)
Proceeds from issuance of long-term borrowings	6	161
Repayment of long-term borrowings	(504)	(11)
Redemption of preferred stock	0	(111)
Repurchases of common stock	(10)	0
Cash dividends paid:
Preferred stock	0	(2)
Common stock	(44)	(44)
Other, net	5	6
Net cash flows provided by (used in) financing activities	297	(410)
Net Increase (Decrease) in Cash and Cash Equivalents	26	(89)
Cash and cash equivalents at beginning of period	2,419	1,576
Cash and Cash Equivalents at End of Period	$ 2,445	$ 1,487