Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2019

Receivables [Abstract]

Amounts Outstanding for Loans and Leases by Segment and Class

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

TABLE 76: LOANS AND LEASES

	DECEMBER 31,
(In Millions)	2019			2018
Commercial
Commercial and Institutional	$	8,915.6		$	8,728.1
Commercial Real Estate	3,378.0			3,228.8
Non-U.S.	1,751.0			2,701.6
Lease Financing, net	65.6			90.7
Other	164.0			426.0
Total Commercial	14,274.2			15,175.2
Personal
Private Client	11,068.7			10,733.3
Residential Real Estate	5,999.6			6,514.0
Other	67.1			67.5
Total Personal	17,135.4			17,314.8
Total Loans and Leases	$	31,409.6		$	32,490.0
Allowance for Credit Losses Assigned to Loans and Leases	(104.5		)	(112.6		)
Net Loans and Leases	$	31,305.1		$	32,377.4

Components of Net Investment in Direct Finance and Leveraged Leases

The components of the net investment in direct finance and leveraged lease

Future Minimum Lease Payments to be Received

	DECEMBER 31,
(In Millions)	2019			2018
Direct Finance Leases
Lease Receivable	$	1.5		$	9.8
Residual Value	21.3			23.8
Initial Direct Costs	0.2			0.3
Unearned Income	—			—
Investment in Direct Finance Leases	23.0			33.9
Leveraged Leases
Net Rental Receivable	19.1			33.9
Residual Value	33.1			33.3
Unearned Income	(9.6		)	(10.4		)
Investment in Leveraged Leases	42.6			56.8
Lease Financing, net	$	65.6		$	90.7

The following schedule reflects the future minimum lease payments to be received over the next five years under direc

Loan and Lease Segment and Class Balances Segregated by Borrower Ratings into "1 to 3", "4 to 5" and "6 to 9" (Watch List) Categories

d at least annually.Loan and lease segment and class balances at December 31, 2019 and 2018 are provided below, segregated by borrower ratings into “1 to 3”, “4 to 5”, and “6 to 9” (watch l

Balances and Delinquency Status of Performing and Nonperforming Loans and Leases by Segment and Class as well as Total Other Real Estate Owned and Nonperforming Asset Balances

likelihood of loss.The following table provides balances and delinquency status of performing and nonperforming loans and leases by segment and class, as well as the other real estate owned and total nonperforming asset balances, a

Impaired Loans By Segment and Class

(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
December 31, 2019
Commercial
Commercial and Institutional	$	8,892.7	$	4.1	$	10.0	$	1.2	$	8,908.0	$	7.6	$	8,915.6
Commercial Real Estate	3,363.3		2.4		4.0		4.7		3,374.4		3.6		3,378.0
Non-U.S.	1,750.3		0.2		—		—		1,750.5		0.5		1,751.0
Lease Financing, net	65.6		—		—		—		65.6		—		65.6
Other	164.0		—		—		—		164.0		—		164.0
Total Commercial	14,235.9		6.7		14.0		5.9		14,262.5		11.7		14,274.2
Personal
Private Client	11,025.3		33.1		9.5		0.3		11,068.2		0.5		11,068.7
Residential Real Estate	5,902.3		19.8		4.9		1.2		5,928.2		71.4		5,999.6
Other	67.1		—		—		—		67.1		—		67.1
Total Personal	16,994.7		52.9		14.4		1.5		17,063.5		71.9		17,135.4
Total Loans and Leases	$	31,230.6	$	59.6	$	28.4	$	7.4	$	31,326.0	$	83.6	$	31,409.6
					Other Real Estate Owned						$	3.2
					Total Nonperforming Assets						$	86.8

(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
December 31, 2018
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

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

TABLE 81: IMPAIRED LOANS

	AS OF DECEMBER 31, 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	2.4		4.4		—		5.8		7.6		—
Residential Real Estate	75.6		102.5		—		76.7		104.7		—
Private Client	1.2		1.2		—		1.7		1.7		—
With a related specific allowance
Commercial and Institutional	6.8		8.9		2.3		6.4		7.3		3.0
Commercial Real Estate	1.2		1.5		1.1		2.6		2.8		1.1
Residential Real Estate	5.0		5.1		1.6		22.8		26.1		3.1
Total
Commercial	10.4		14.9		3.4		15.0		18.1		4.1
Personal	81.8		108.8		1.6		101.2		132.5		3.1
Total	$	92.2	$	123.7	$	5.0	$	116.2	$	150.6	$	7.2

	YEAR ENDED DECEMBER 31, 2019				YEAR ENDED DECEMBER 31, 2018
(In Millions)	AVERAGE RECORDED INVESTMENT		INTEREST INCOME RECOGNIZED		AVERAGE RECORDED INVESTMENT		INTEREST INCOME RECOGNIZED
With no related specific allowance
Commercial and Institutional	$	0.5	$	—	$	6.8	$	—
Commercial Real Estate	3.5		0.3		6.4		0.2
Residential Real Estate	88.5		1.8		94.9		1.9
Private Client	1.7		0.1		0.6		0.1
With a related specific allowance
Commercial and Institutional	7.9		—		4.6		—
Commercial Real Estate	1.4		—		2.1		—
Residential Real Estate	16.7		—		9.2		—
Total
Commercial	13.3		0.3		19.9		0.2
Personal	106.9		1.9		104.7		2.0
Total	$	120.2	$	2.2	$	124.6	$	2.2

Note: Average recorded investments in impaired loans are calculated as the average of the month-end impaired loan bala

Number of Loans and Leases Modified in TDRs and Total Recorded Investments and Unpaid Principal Balances

2018, respectively.

The following table provides, by segment and class, the number of TDR modifications of loans and leases during the years ended December 31, 2019, and 2018, and the recorded investments and unpaid principal balances as of December 31, 2019 and 2018.

TABLE 82: TROUBLED DEBT RESTRUCTURINGS

($ In Millions)	NUMBER OF LOANS AND LEASES	RECORDED INVESTMENT		UNPAID PRINCIPAL BALANCE
December 31, 2019
Commercial
Commercial and Institutional	1	$	7.5	$	8.8
Commercial Real Estate	2	—		—
Total Commercial	3	7.5		8.8
Personal
Residential Real Estate	45	37.4		38.8
Private Client	—	—		—
Total Personal	45	37.4		38.8
Total Loans and Leases	48	$	44.9	$	47.6

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

($ In Millions)	NUMBER OF LOANS AND LEASES	RECORDED INVESTMENT		UNPAID PRINCIPAL BALANCE
December 31, 2018
Commercial
Commercial and Institutional	1	$	0.3	$	0.5
Commercial Real Estate	2	2.8		2.8
Total Commercial	3	3.1		3.3
Personal
Residential Real Estate	48	27.7		30.8
Private Client	1	—		0.1
Total Personal	49	27.7		30.9
Total Loans and Leases	52	$	30.8	$	34.2

Note: Period-end balances reflect all paydowns and charge-