Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2015

Changes in Allowance for Credit Losses by Segment

The following tables provide information regarding changes in the total allowance for credit losses by segment during the three and nine months ended September 30, 2015 and 2014.

Table 46: Changes in the Allowance for Credit Losses

	Three Months Ended September 30,
	2015									2014
(In Millions)	Commercial			Personal			Total			Commercial			Personal			Total
Balance at Beginning of Period	$	152.7		$	121.5		$	274.2		$	168.7		$	134.8		$	303.5
Charge-Offs	(7.7		)	(4.2		)	(11.9		)	(2.5		)	(6.1		)	(8.6		)
Recoveries	0.5			2.0			2.5			1.9			1.5			3.4
Net (Charge-Offs) Recoveries	(7.2		)	(2.2		)	(9.4		)	(0.6		)	(4.6		)	(5.2		)
Provision for Credit Losses	(6.2		)	(3.8		)	(10.0		)	1.0			(1.0		)	—
Effect of Foreign Exchange Rates	(0.1		)	—			(0.1		)	—			—			—
Balance at End of Period	$	139.2		$	115.5		$	254.7		$	169.1		$	129.2		$	298.3

	Nine Months Ended September 30,
	2015									2014
(In Millions)	Commercial			Personal			Total			Commercial			Personal			Total
Balance at Beginning of Period	$	169.7		$	126.2		$	295.9		$	168.0		$	139.9		$	307.9
Charge-Offs	(12.9		)	(12.6		)	(25.5		)	(8.8		)	(19.1		)	(27.9		)
Recoveries	4.6			4.3			8.9			10.7			4.6			15.3
Net (Charge-Offs) Recoveries	(8.3		)	(8.3		)	(16.6		)	1.9			(14.5		)	(12.6		)
Provision for Credit Losses	(22.1		)	(2.4		)	(24.5		)	(0.8		)	3.8			3.0
Effect of Foreign Exchange Rates	(0.1		)	—			(0.1		)	—			—			—
Balance at End of Period	$	139.2		$	115.5		$	254.7		$	169.1		$	129.2		$	298.3

Allowances for Credit Losses and Recorded Investments in Loans and Leases by Segment

The following table provides information regarding the balances of the recorded investments in loans and leases and the allowance for credit losses by segment as of September 30, 2015, and December 31, 2014.

Table 47: Information about the Recorded Investments in Loans and Leases

	September 30, 2015						December 31, 2014
(In Millions)	Commercial		Personal		Total		Commercial		Personal		Total
Loans and Leases
Specifically Evaluated for Impairment	$	48.2	$	153.7	$	201.9	$	78.9	$	163.3	$	242.2
Evaluated for Inherent Impairment	15,469.2		17,707.3		33,176.5		14,274.7		17,123.3		31,398.0
Total Loans and Leases	15,517.4		17,861.0		33,378.4		14,353.6		17,286.6		31,640.2
Allowance for Loans and Leases
Specifically Evaluated for Impairment	3.6		0.4		4.0		5.8		0.8		6.6
Evaluated for Inherent Impairment	126.4		111.8		238.2		138.0		122.4		260.4
Allowance Assigned to Loans and Leases	130.0		112.2		242.2		143.8		123.2		267.0
Allowance for Unfunded Exposures
Commitments and Standby Letters of Credit	9.2		3.3		12.5		25.9		3.0		28.9
Total Allowance for Credit Losses	$	139.2	$	115.5	$	254.7	$	169.7	$	126.2	$	295.9