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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Changes in Allowance for Credit Losses by Segment
Changes in the allowance for credit losses by segment were as follows:

TABLE 64: CHANGES IN THE ALLOWANCE FOR CREDIT LOSSES
 
2015
2014
2013
(In Millions)
COMMERCIAL

PERSONAL

TOTAL

COMMERCIAL

PERSONAL

TOTAL

COMMERCIAL

PERSONAL

TOTAL

Balance at Beginning of Year
$
169.7

$
126.2

$
295.9

$
168.0

$
139.9

$
307.9

$
194.2

$
133.4

$
327.6

Charge-Offs
(13.1
)
(17.6
)
(30.7
)
(12.9
)
(23.2
)
(36.1
)
(16.7
)
(42.6
)
(59.3
)
Recoveries
5.5

5.7

11.2

11.1

7.0

18.1

8.6

11.0

19.6

 
 
 
 
 
 
 
 
 
 
Net (Charge-Offs) Recoveries
(7.6
)
(11.9
)
(19.5
)
(1.8
)
(16.2
)
(18.0
)
(8.1
)
(31.6
)
(39.7
)
Provision for Credit Losses
(47.2
)
4.2

(43.0
)
3.5

2.5

6.0

(18.1
)
38.1

20.0

Effects of Foreign Exchange Rates
(0.1
)
—

(0.1
)
—

—

—

—

—

—

 
 
 
 
 
 
 
 
 
 
Balance at End of Year
$
114.8

$
118.5

$
233.3

$
169.7

$
126.2

$
295.9

$
168.0

$
139.9

$
307.9

 
 
 
 
 
 
 
 
 
 
Allowance for Credit Losses Assigned to:
 
 
 
 
 
 
 
 
 
Loans and Leases
$
86.3

$
107.5

$
193.8

$
143.8

$
123.2

$
267.0

$
140.9

$
137.2

$
278.1

Undrawn Commitments and Standby Letters of Credit
28.5

11.0

39.5

25.9

3.0

28.9

27.1

2.7

29.8

 
 
 
 
 
 
 
 
 
 
Total Allowance for Credit Losses
$
114.8

$
118.5

$
233.3

$
169.7

$
126.2

$
295.9

$
168.0

$
139.9

$
307.9
Allowances for Credit Losses and Recorded Investments in Loans and Leases by Segment
The following tables provide information regarding the recorded investments in loans and leases and the allowance for credit losses by segment as of December 31, 2015 and 2014.

TABLE 65: RECORDED INVESTMENTS IN LOANS AND LEASES
(In Millions)
COMMERCIAL

PERSONAL

TOTAL

December 31, 2015
 
 
 
Loans and Leases
 
 
 
Specifically Evaluated for Impairment
$
56.3

$
101.0

$
157.3

Evaluated for Inherent Impairment
15,100.2

17,923.4

33,023.6

 
 
 
 
Total Loans and Leases
15,156.5

18,024.4

33,180.9

Allowance for Credit Losses on Credit Exposures
 
 
 
Specifically Evaluated for Impairment
3.0

0.1

3.1

Evaluated for Inherent Impairment
83.3

107.4

190.7

 
 
 
 
Allowance Assigned to Loans and Leases
86.3

107.5

193.8

Allowance for Undrawn Exposures
 
 
 
Commitments and Standby Letters of Credit
28.5

11.0

39.5

 
 
 
 
Total Allowance for Credit Losses
$
114.8

$
118.5

$
233.3


(In Millions)
COMMERCIAL

PERSONAL

TOTAL

December 31, 2014
 
 
 
Loans and Leases
 
 
 
Specifically Evaluated for Impairment
$
78.9

$
163.3

$
242.2

Evaluated for Inherent Impairment
14,274.7

17,123.3

31,398.0

 
 
 
 
Total Loans and Leases
14,353.6

17,286.6

31,640.2

Allowance for Credit Losses on Credit Exposures
 
 
 
Specifically Evaluated for Impairment
5.8

0.8

6.6

Evaluated for Inherent Impairment
138.0

122.4

260.4

 
 
 
 
Allowance Assigned to Loans and Leases
143.8

123.2

267.0

Allowance for Undrawn Exposures
 
 
 
Commitments and Standby Letters of Credit
25.9

3.0

28.9

 
 
 
 
Total Allowance for Credit Losses
$
169.7

$
126.2

$
295.9