Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2012

Amounts Outstanding for Loans and Leases by Segment and Class

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


	September 30,			December 31,
(In Millions)	2012			2011
Commercial
Commercial and Institutional	$	7,316.5		$	6,918.7
Commercial Real Estate		3,002.4			2,981.7
Lease Financing, net		1,011.6			978.8
Non-U.S.		1,038.1			1,057.5
Other		631.0			417.6

Total Commercial		12,999.6			12,354.3

Personal
Residential Real Estate		10,435.3			10,708.9
Private Client		5,751.4			5,651.4
Other		356.4			349.3

Total Personal		16,543.1			16,709.6

Total Loans and Leases		29,542.7			29,063.9

Allowance for Credit Losses Assigned to Loans and Leases		(298.6	)		(294.8	)

Net Loans and Leases	$	29,244.1		$	28,769.1

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

Loan and lease segment and class balances as of September 30, 2012 and December 31, 2011 are provided below, segregated by borrower ratings into “1 to 3”, “4 to 5” and “6 to 9” (watch list), categories.


	September 30, 2012								December 31, 2011
					6 to 9								6 to 9
	1 to 3		4 to 5		Category				1 to 3		4 to 5		Category
(In Millions)	Category		Category		(Watch List)		Total		Category		Category		(Watch List)		Total
Commercial
Commercial and Institutional	$	4,154.8	$	2,959.6	$	202.1	$	7,316.5	$	3,681.8	$	3,029.1	$	207.8	$	6,918.7
Commercial Real Estate		970.4		1,766.0		266.0		3,002.4		1,247.1		1,467.2		267.4		2,981.7
Lease Financing, net		703.1		302.3		6.2		1,011.6		547.7		422.3		8.8		978.8
Non-U.S.		629.9		405.3		2.9		1,038.1		519.0		527.3		11.2		1,057.5
Other		273.3		357.7		—		631.0		241.4		176.2		—		417.6

Total Commercial		6,731.5		5,790.9		477.2		12,999.6		6,237.0		5,622.1		495.2		12,354.3

Personal
Residential Real Estate		2,984.0		7,037.7		413.6		10,435.3		2,777.1		7,501.0		430.8		10,708.9
Private Client		3,309.0		2,419.3		23.1		5,751.4		3,390.6		2,245.9		14.9		5,651.4
Other		167.9		188.5		—		356.4		162.3		187.0		—		349.3
Total Personal	$	6,460.9	$	9,645.5	$	436.7	$	16,543.1	$	6,330.0	$	9,933.9	$	445.7	$	16,709.6

Total Loans and Leases	$	13,192.4	$	15,436.4	$	913.9	$	29,542.7	$	12,567.0	$	15,556.0	$	940.9	$	29,063.9

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

The following tables provide balances and delinquency status of performing and nonperforming loans and leases by segment and class, as well as the total other real estate owned and nonperforming asset balances, as of September 30, 2012 and December 31, 2011.

September 30, 2012

(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

7,268.1

9.9

6.5

2.1

7,286.6

29.9

7,316.5

Commercial Real Estate

2,908.1

16.1

10.9

7.6

2,942.7

59.7

3,002.4

Lease Financing, net

1,011.6

—

1,011.6

—

1,011.6

Non-U.S.

1,038.1

—

1,038.1

—

1,038.1

Other

631.0

—

631.0

—

631.0

Total Commercial

12,856.9

26.0

17.4

9.7

12,910.0

89.6

12,999.6

Personal

Residential Real Estate

10,198.9

17.3

29.8

12.7

10,258.7

176.6

10,435.3

Private Client

5,703.0

31.8

4.1

9.7

5,748.6

2.8

5,751.4

Other

356.4

—

356.4

—

356.4

Total Personal

16,258.3

49.1

33.9

22.4

16,363.7

179.4

16,543.1

Total Loans and Leases

29,115.2

75.1

51.3

32.1

29,273.7

269.0

29,542.7

Total Other Real Estate Owned

20.6

Total Nonperforming Assets

289.6


December 31, 2011
(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	$	6,869.2	$	15.0	$	2.7	$	0.5	$	6,887.4	$	31.3	$	6,918.7
Commercial Real Estate		2,878.2		10.8		10.3		2.9		2,902.2		79.5		2,981.7
Lease Financing, net		978.8		—		—		—		978.8		—		978.8
Non-U.S.		1,057.5		—		—		—		1,057.5		—		1,057.5
Other		417.6		—		—		—		417.6		—		417.6

Total Commercial		12,201.3		25.8		13.0		3.4		12,243.5		110.8		12,354.3

Personal
Residential Real Estate		10,428.0		67.7		27.6		8.0		10,531.3		177.6		10,708.9
Private Client		5,623.0		15.7		5.7		1.7		5,646.1		5.3		5,651.4
Other		349.3		—		—		—		349.3		—		349.3

Total Personal		16,400.3		83.4		33.3		9.7		16,526.7		182.9		16,709.6

Total Loans and Leases	$	28,601.6	$	109.2	$	46.3	$	13.1	$	28,770.2	$	293.7	$	29,063.9

								Total Other Real Estate Owned				21.2

								Total Nonperforming Assets			$	314.9

Impaired Loans By Segment and Class

The following tables provide information related to impaired loans by segment and class.


	As of September 30, 2012						As of December 31, 2011
(In Millions)	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Recorded Investment		Unpaid Principal Balance		Specific Allowance
With No Related Specific Allowance
Commercial and Institutional	$	26.3	$	30.8			$	21.4	$	24.0
Commercial Real Estate		59.1		84.2				46.5		68.0
Lease Financing, net		5.2		5.2				—		—
Residential Real Estate		129.4		162.6				134.4		162.6
Private Client		2.2		2.2				1.6		1.9
With a Related Specific Allowance
Commercial and Institutional		5.2		7.1	$	3.2		11.9		20.5	$	8.8
Commercial Real Estate		28.9		33.2		8.8		41.4		50.1		14.1
Residential Real Estate		15.8		17.0		9.2		18.9		26.2		8.9
Private Client		0.9		0.9		0.9		3.3		3.6		1.0
Total
Commercial		124.7		160.5		12.0		121.2		162.6		22.9
Personal		148.3		182.7		10.1		158.2		194.3		9.9

Total	$	273.0	$	343.2	$	22.1	$	279.4	$	356.9	$	32.8


	Three Months Ended September 30,								Nine Months Ended September 30,
	2012				2011				2012				2011
(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	$	27.0	$	0.1	$	20.1	$	—	$	25.2	$	0.2	$	21.0	$	—
Commercial Real Estate		54.7		—		34.2		0.3		49.6		0.2		34.5		0.4
Lease Financing, net		5.2		—		—		—		3.5		—		—		—
Residential Real Estate		120.7		0.2		107.9		0.5		114.0		0.8		123.2		1.6
Private Client		2.2		—		3.2		—		1.8		—		3.5		—
With a Related Specific Allowance
Commercial and Institutional		5.2		—		12.7		—		6.5		—		29.1		—
Commercial Real Estate		22.1		—		45.2		—		20.2		—		71.0		—
Residential Real Estate		15.3		—		7.5		—		15.3		—		8.3		—
Private Client		0.9		—		1.7		—		1.1		—		2.2		—
Total
Commercial		114.2		0.1		112.2		0.3		105.0		0.4		155.6		0.4
Personal		139.1		0.2		120.3		0.5		132.2		0.8		137.2		1.6

Total	$	253.3	$	0.3	$	232.5	$	0.8	$	237.2	$	1.2	$	292.8	$	2.0

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

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

The following tables provide, by segment and class, the number of loans and leases modified in TDRs during the three and nine month periods ended September 30, 2012 and 2011, and the recorded investments and unpaid principal balances as of September 30, 2012 and 2011.


($ In Millions)	Three Months Ended September 30, 2012						Nine Months Ended September 30, 2012
	Number of		Recorded		Unpaid Principal		Number of		Recorded		Unpaid Principal
	Loans and Leases		Investment		Balance		Loans and Leases		Investment		Balance
Commercial
Commercial and Institutional		—	$	—	$	—		2	$	0.5	$	1.1
Commercial Real Estate		1		2.7		2.7		7		24.6		26.2
Lease Financing, net		—		—		—		1		5.2		5.2

Total Commercial		1		2.7		2.7		10		30.3		32.5

Personal
Residential Real Estate		23		2.0		2.6		84		10.1		13.5
Private Client		—		—		—		1		0.8		0.8

Total Personal		23		2.0		2.6		85		10.9		14.3

Total Loans and Leases		24	$	4.7	$	5.3		95	$	41.2	$	46.8


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

($ In Millions)	Three Months Ended September 30, 2011						Nine Months Ended September 30, 2011
	Number of		Recorded		Unpaid Principal		Number of		Recorded		Unpaid Principal
	Loans and Leases		Investment		Balance		Loans and Leases		Investment		Balance
Commercial
Commercial and Institutional		2	$	5.4	$	6.4		5	$	8.6	$	10.1
Commercial Real Estate		6		10.6		12.3		14		39.4		46.0

Total Commercial		8		16.0		18.7		19		48.0		56.1

Personal
Residential Real Estate		25		7.1		9.1		113		22.0		27.9
Private Client		—		—		—		1		—		—

Total Personal		25		7.1		9.1		114		22.0		27.9

Total Loans and Leases		33	$	23.1	$	27.8		133	$	70.0	$	84.0

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

Number of Loans and Leases which became Nonperforming and Modified in Proceeding 12-Month Period

The following table provides, by segment and class, the number of loans and leases which became nonperforming during the three and nine month periods ended September 30, 2011, which were modified in the proceeding 12-month period.


($ In Millions)	Three Months Ended September 30, 2011						Nine Months Ended September 30, 2011
	Number of		Recorded		Unpaid Principal		Number of		Recorded		Unpaid Principal
	Loans and Leases		Investment		Balance		Loans and Leases		Investment		Balance
Commercial
Commercial and Institutional		1	$	0.2	$	0.6		1	$	0.2	$	0.6

Total Commercial		1		0.2		0.6		1		0.2		0.6

Personal
Residential Real Estate		1		0.1		0.1		7		2.0		2.5

Total Personal		1		0.1		0.1		7		2.0		2.5

Total Loans and Leases		2	$	0.3	$	0.7		8	$	2.2	$	3.1

Note:

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