Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2012

Changes in Allowance for Credit Losses by Segment

Changes in the allowance for credit losses by segment were as follows:

	2012									2011									2010
(In Millions)	COMMERCIAL			PERSONAL			TOTAL			COMMERCIAL			PERSONAL			TOTAL			COMMERCIAL			PERSONAL			TOTAL
Balance at Beginning of Year	$	211.0		$	117.9		$	328.9		$	256.7		$	100.6		$	357.3		$	252.2		$	88.4		$	340.6
Charge-Offs		(19.9	)		(43.1	)		(63.0	)		(56.3	)		(60.0	)		(116.3	)		(76.2	)		(73.9	)		(150.1	)
Recoveries		20.3			16.4			36.7			21.5			11.4			32.9			3.6			3.3			6.9
Net (Charge-Offs) Recoveries		0.4			(26.7	)		(26.3	)		(34.8	)		(48.6	)		(83.4	)		(72.6	)		(70.6	)		(143.2	)
Provision for Credit Losses		(17.2	)		42.2			25.0			(10.9	)		65.9			55.0			77.2			82.8			160.0
Effect of Foreign Exchange Rates		–			–			–			–			–			–			(0.1	)		–			(0.1	)
Balance at End of Year	$	194.2		$	133.4		$	327.6		$	211.0		$	117.9		$	328.9		$	256.7		$	100.6		$	357.3
Allowance for Credit Losses Assigned to:
Loans and Leases	$	166.1		$	131.8		$	297.9		$	178.6		$	116.2		$	294.8		$	220.7		$	98.9		$	319.6
Unfunded Commitments and Standby Letters of Credit		28.1			1.6			29.7			32.4			1.7			34.1			36.0			1.7			37.7
Total Allowance for Credit Losses	$	194.2		$	133.4		$	327.6		$	211.0		$	117.9		$	328.9		$	256.7		$	100.6		$	357.3

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, 2012 and 2011.

(In Millions)	COMMERCIAL		PERSONAL		TOTAL
DECEMBER 31, 2012
Loans and Leases
Specifically Evaluated for Impairment	$	125.0	$	144.8	$	269.8
Evaluated for Inherent Impairment		12,772.2		16,462.5		29,234.7
Total Loans and Leases		12,897.2		16,607.3		29,504.5
Allowance for Credit Losses on Credit Exposures
Specifically Evaluated for Impairment		11.0		7.0		18.0
Evaluated for Inherent Impairment		155.1		124.8		279.9
Allowance assigned to loans and leases		166.1		131.8		297.9
Allowance for Unfunded Exposures
Commitments and Standby Letters of Credit		28.1		1.6		29.7
Total Allowance for Credit Losses	$	194.2	$	133.4	$	327.6

(In Millions)	COMMERCIAL		PERSONAL		TOTAL
DECEMBER 31, 2011
Loans and Leases
Specifically Evaluated for Impairment	$	121.2	$	158.2	$	279.4
Evaluated for Inherent Impairment		12,233.1		16,551.4		28,784.5
Total Loans and Leases		12,354.3		16,709.6		29,063.9
Allowance for Credit Losses on Credit Exposures
Specifically Evaluated for Impairment		22.9		9.9		32.8
Evaluated for Inherent Impairment		155.7		106.3		262.0
Allowance assigned to loans and leases		178.6		116.2		294.8
Allowance for Unfunded Exposures
Commitments and Standby Letters of Credit		32.4		1.7		34.1
Total Allowance for Credit Losses	$	211.0	$	117.9	$	328.9