Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2012

Changes in Allowance for Credit Losses by Segment

The following tables provide information regarding changes in the allowance for credit losses by segment during the three and nine month periods ended September 30, 2012 and 2011.

	Three Months Ended September 30,
	2012									2011
(In Millions)	Commercial			Personal			Total			Commercial			Personal			Total
Balance at Beginning of Period	$	196.3		$	133.6		$	329.9		$	239.9		$	105.9		$	345.8
Charge-Offs		(7.2	)		(9.1	)		(16.3	)		(16.8	)		(18.1	)		(34.9	)
Recoveries		2.4			2.0			4.4			4.4			1.9			6.3
Net (Charge-Offs) Recoveries		(4.8	)		(7.1	)		(11.9	)		(12.4	)		(16.2	)		(28.6	)
Provision for Credit Losses		6.9			3.1			10.0			(6.4	)		23.9			17.5
Effect of Foreign Exchange Rates		—			—			—			(0.1	)		—			(0.1	)
Balance at End of Period	$	198.4		$	129.6		$	328.0		$	221.0		$	113.6		$	334.6
	Nine Months Ended September 30,
	2012									2011
(In Millions)	Commercial			Personal			Total			Commercial			Personal			Total
Balance at Beginning of Period	$	211.0		$	117.9		$	328.9		$	256.7		$	100.6		$	357.3
Charge-Offs		(15.4	)		(31.5	)		(46.9	)		(45.0	)		(42.5	)		(87.5	)
Recoveries		13.6			12.4			26.0			17.5			4.8			22.3
Net (Charge-Offs) Recoveries		(1.8	)		(19.1	)		(20.9	)		(27.5	)		(37.7	)		(65.2	)
Provision for Credit Losses		(10.8	)		30.8			20.0			(8.2	)		50.7			42.5
Balance at End of Period	$	198.4		$	129.6		$	328.0		$	221.0		$	113.6		$	334.6

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, 2012 and December 31, 2011.

	September 30, 2012						December 31, 2011
(In Millions)	Commercial		Personal		Total		Commercial		Personal		Total
Loans and Leases
Specifically Evaluated for Impairment	$	124.7	$	148.3	$	273.0	$	121.2	$	158.2	$	279.4
Evaluated for Inherent Impairment		12,874.9		16,394.8		29,269.7		12,233.1		16,551.4		28,784.5
Total Loans and Leases		12,999.6		16,543.1		29,542.7		12,354.3		16,709.6		29,063.9
Allowance for Loans and Leases
Specifically Evaluated for Impairment		12.0		10.1		22.1		22.9		9.9		32.8
Evaluated for Inherent Impairment		158.6		117.9		276.5		155.7		106.3		262.0
Allowance Assigned to Loans and Leases		170.6		128.0		298.6		178.6		116.2		294.8
Allowance for Unfunded Exposures
Commitments and Standby Letters of Credit		27.8		1.6		29.4		32.4		1.7		34.1
Total Allowance for Credit Losses	$	198.4	$	129.6	$	328.0	$	211.0	$	117.9	$	328.9