Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2019

Receivables [Abstract]

Loans and Leases

Amounts outstanding for loans and leases, by segment and class, are shown below.

Table 43: Loans and Leases

(In Millions)	June 30, 2019			December 31, 2018
Commercial
Commercial and Institutional	$	8,834.9		$	8,728.1
Commercial Real Estate	3,248.9			3,228.8
Non-U.S.	1,492.7			2,701.6
Lease Financing, net	88.5			90.7
Other	471.9			426.0
Total Commercial	14,136.9			15,175.2
Personal
Private Client	10,637.7			10,733.3
Residential Real Estate	6,133.0			6,514.0
Other	74.7			67.5
Total Personal	16,845.4			17,314.8
Total Loans and Leases	$	30,982.3		$	32,490.0
Allowance for Credit Losses Assigned to Loans and Leases	(110.8		)	(112.6		)
Net Loans and Leases	$	30,871.5		$	32,377.4

Borrower Ratings

Loan and lease segment and class balances as of June 30, 2019 and December 31, 2018 are provided below, segregated by borrower ratings into “1 to 3,” “4 to 5” and “6 to 9” (watch list), categories.

Table 44: Borrower Ratings

	June 30, 2019								December 31, 2018
(In Millions)	1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total		1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total
Commercial
Commercial and Institutional	$	5,782.3	$	2,936.4	$	116.2	$	8,834.9	$	5,477.4	$	3,159.8	$	90.9	$	8,728.1
Commercial Real Estate	1,079.8		2,156.5		12.6		3,248.9		1,209.6		1,992.2		27.0		3,228.8
Non-U.S.	776.6		564.1		152.0		1,492.7		1,625.3		1,075.3		1.0		2,701.6
Lease Financing, net	76.1		12.4		—		88.5		78.3		12.4		—		90.7
Other	222.6		249.3		—		471.9		203.3		222.7		—		426.0
Total Commercial	7,937.4		5,918.7		280.8		14,136.9		8,593.9		6,462.4		118.9		15,175.2
Personal
Private Client	5,733.2		4,873.0		31.5		10,637.7		6,321.1		4,403.2		9.0		10,733.3
Residential Real Estate	2,568.7		3,336.3		228.0		6,133.0		2,745.0		3,502.3		266.7		6,514.0
Other	35.2		39.5		—		74.7		32.2		35.3		—		67.5
Total Personal	8,337.1		8,248.8		259.5		16,845.4		9,098.3		7,940.8		275.7		17,314.8
Total Loans and Leases	$	16,274.5	$	14,167.5	$	540.3	$	30,982.3	$	17,692.2	$	14,403.2	$	394.6	$	32,490.0

Delinquency Status

The following table provides balances and delinquency status of performing and nonperforming loans and leases by segment and class, as well as the total OREO and nonperforming asset balances, as of June 30, 2019 and December 31, 2018.

Table 45: Delinquency Status

June 30, 2019
(In Millions)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Performing		Nonperforming		Total Loans and Leases
Commercial
Commercial and Institutional	$	8,815.8	$	6.6	$	2.7	$	—	$	8,825.1	$	9.8	$	8,834.9
Commercial Real Estate	3,230.4		4.4		5.3		4.8		3,244.9		4.0		3,248.9
Non-U.S.	1,490.5		1.6		—		—		1,492.1		0.6		1,492.7
Lease Financing, net	88.5		—		—		—		88.5		—		88.5
Other	471.9		—		—		—		471.9		—		471.9
Total Commercial	14,097.1		12.6		8.0		4.8		14,122.5		14.4		14,136.9
Personal
Private Client	10,532.7		88.2		15.4		1.2		10,637.5		0.2		10,637.7
Residential Real Estate	6,026.8		0.7		4.7		0.3		6,032.5		100.5		6,133.0
Other	74.7		—		—		—		74.7		—		74.7
Total Personal	16,634.2		88.9		20.1		1.5		16,744.7		100.7		16,845.4
Total Loans and Leases	$	30,731.3	$	101.5	$	28.1	$	6.3	$	30,867.2	$	115.1	$	30,982.3
	Other Real Estate Owned										$	3.8
	Total Nonperforming Assets										$	118.9

December 31, 2018
(In Millions)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Performing		Nonperforming		Total Loans and Leases
Commercial
Commercial and Institutional	$	8,678.2	$	37.4	$	4.5	$	1.2	$	8,721.3	$	6.8	$	8,728.1
Commercial Real Estate	3,191.5		8.4		15.6		6.4		3,221.9		6.9		3,228.8
Non-U.S.	2,701.2		—		—		—		2,701.2		0.4		2,701.6
Lease Financing, net	90.7		—		—		—		90.7		—		90.7
Other	426.0		—		—		—		426.0		—		426.0
Total Commercial	15,087.6		45.8		20.1		7.6		15,161.1		14.1		15,175.2
Personal
Private Client	10,681.1		39.5		12.5		—		10,733.1		0.2		10,733.3
Residential Real Estate	6,376.8		27.2		6.2		8.8		6,419.0		95.0		6,514.0
Other	67.5		—		—		—		67.5		—		67.5
Total Personal	17,125.4		66.7		18.7		8.8		17,219.6		95.2		17,314.8
Total Loans and Leases	$	32,213.0	$	112.5	$	38.8	$	16.4	$	32,380.7	$	109.3	$	32,490.0
	Other Real Estate Owned										$	8.4
	Total Nonperforming Assets										$	117.7

Impaired Loans as of the Period End

d leases.

The following table provides information related to impaired loans by segment and class.

Table 46: Impaired Loans as of the Period End

	As of June 30, 2019						As of December 31, 2018
(In Millions)	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Recorded Investment		Unpaid Principal Balance		Specific Allowance
With No Related Specific Allowance
Commercial and Institutional	$	—	$	0.1	$	—	$	0.2	$	0.4	$	—
Commercial Real Estate	2.7		4.5		—		5.8		7.6		—
Private Client	1.7		1.7		—		1.7		1.7		—
Residential Real Estate	80.0		108.8		—		76.7		104.7		—
With a Related Specific Allowance
Commercial and Institutional	9.7		11.3		4.7		6.4		7.3		3.0
Commercial Real Estate	1.3		1.5		1.1		2.6		2.8		1.1
Residential Real Estate	25.1		28.7		3.0		22.8		26.1		3.1
Total
Commercial	13.7		17.4		5.8		15.0		18.1		4.1
Personal	106.8		139.2		3.0		101.2		132.5		3.1
Total	$	120.5	$	156.6	$	8.8	$	116.2	$	150.6	$	7.2

	Three Months Ended June 30,								Six Months Ended June 30,
	2019				2018				2019				2018
(In Millions)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With No Related Specific Allowance
Commercial and Institutional	$	0.6	$	—	$	3.6	$	—	$	0.4	$	—	$	11.6	$	—
Commercial Real Estate	5.5		0.3		6.9		0.1		4.6		0.3		6.7		0.1
Private Client	1.7		0.1		0.6		—		1.7		0.1		0.6		—
Residential Real Estate	88.3		0.4		99.5		0.4		88.8		1.0		96.7		0.9
With a Related Specific Allowance
Commercial and Institutional	7.7		—		3.5		—		7.4		—		1.8		—
Commercial Real Estate	1.3		—		1.4		—		1.5		—		1.6		—
Residential Real Estate	22.5		—		10.7		—		21.7		—		12.2		—
Total
Commercial	15.1		0.3		15.4		0.1		13.9		0.3		21.7		0.1
Personal	112.5		0.5		110.8		0.4		112.2		1.1		109.5		0.9
Total	$	127.6	$	0.8	$	126.2	$	0.5	$	126.1	$	1.4	$	131.2	$	1.0

Note: Average recorded investment in impaired loans is calculated as the average of the month-end impaired loan balances for the period.

Modified Troubled Debt Restructurings

The following table provides, by segment and class, the number of loans and leases modified in TDRs during the three- and six-month periods ended June 30, 2019 and 2018, and the recorded investments and unpaid principal balances as of June 30, 2019 and 2018.

Table 47: Troubled Debt Restructurings

($ In Millions)	Three Months Ended June 30, 2019					Six Months Ended June 30, 2019
	Number of Loans and Leases	Recorded Investment		Unpaid Principal Balance		Number of Loans and Leases	Recorded Investment		Unpaid Principal Balance
Commercial
Commercial and Institutional	—	$	—	$	—	1	$	7.6	$	8.8
Commercial Real Estate	2	—		—		2	—		—
Total Commercial	2	—		—		3	7.6		8.8
Personal
Private Client	—	—		—		—	—		—
Residential Real Estate	13	7.7		7.8		26	17.5		17.7
Total Personal	13	7.7		7.8		26	17.5		17.7
Total Loans and Leases	15	$	7.7	$	7.8	29	$	25.1	$	26.5

Note: Period-end balances reflect all paydowns and charge-offs during the period.

($ In Millions)	Three Months Ended June 30, 2018					Six Months Ended June 30, 2018
	Number of Loans and Leases	Recorded Investment		Unpaid Principal Balance		Number of Loans and Leases	Recorded Investment		Unpaid Principal Balance
Commercial
Commercial and Institutional	—	$	—	$	—	1	$	0.3	$	0.5
Commercial Real Estate	1	1.3		1.3		1	1.3		1.3
Total Commercial	1	1.3		1.3		2	1.6		1.8
Personal
Private Client	—	—		—		1	—		0.1
Residential Real Estate	12	10.0		11.0		26	17.6		19.7
Total Personal	12	10.0		11.0		27	17.6		19.8
Total Loans and Leases	13	$	11.3	$	12.3	29	$	19.2	$	21.6

Note: Period-end balances reflect all paydowns and charge-offs during the period.