Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2013

Amounts Outstanding for Loans and Leases by Segment and Class

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

	June 30,			December 31,
(In Millions)	2013			2012
Commercial
Commercial and Institutional	$	7,209.6		$	7,468.5
Commercial Real Estate		2,845.0			2,859.8
Lease Financing, net		988.7			1,035.0
Non-U.S.		1,394.2			1,192.3
Other		182.1			341.6
Total Commercial		12,619.6			12,897.2
Personal
Residential Real Estate		10,293.9			10,375.2
Private Client		5,842.6			6,130.1
Other		54.3			102.0
Total Personal		16,190.8			16,607.3
Total Loans and Leases		28,810.4			29,504.5
Allowance for Credit Losses Assigned to Loans and Leases		(290.4	)		(297.9	)
Net Loans and Leases	$	28,520.0		$	29,206.6

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 June 30, 2013 and December 31, 2012 are provided below, segregated by borrower ratings into “1 to 3”, “4 to 5” and “6 to 9” (watch list), categories.

	June 30, 2013								December 31, 2012
					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	$	4,111.3	$	2,899.2	$	199.1	$	7,209.6	$	4,291.8	$	3,040.6	$	136.1	$	7,468.5
Commercial Real Estate		957.8		1,669.9		217.3		2,845.0		888.6		1,710.9		260.3		2,859.8
Lease Financing, net		615.4		368.7		4.6		988.7		647.1		382.3		5.6		1,035.0
Non-U.S.		465.7		927.8		0.7		1,394.2		542.7		646.6		3.0		1,192.3
Other		95.0		87.1		—		182.1		167.2		174.4		—		341.6
Total Commercial		6,245.2		5,952.7		421.7		12,619.6		6,537.4		5,954.8		405.0		12,897.2
Personal
Residential Real Estate		3,264.6		6,475.6		553.7		10,293.9		3,003.3		6,868.2		503.7		10,375.2
Private Client		3,643.3		2,175.7		23.6		5,842.6		3,741.3		2,365.4		23.4		6,130.1
Other		28.4		25.9		—		54.3		50.0		52.0		—		102.0
Total Personal		6,936.3		8,677.2		577.3		16,190.8		6,794.6		9,285.6		527.1		16,607.3
Total Loans and Leases	$	13,181.5	$	14,629.9	$	999.0	$	28,810.4	$	13,332.0	$	15,240.4	$	932.1	$	29,504.5

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 June 30, 2013 and December 31, 2012.

June 30, 2013
(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	$	7,163.4	$	13.0	$	6.5	$	1.7	$	7,184.6	$	25.0	$	7,209.6
Commercial Real Estate		2,751.6		21.9		9.2		0.8		2,783.5		61.5		2,845.0
Lease Financing, net		988.7		—		—		—		988.7		—		988.7
Non-U.S.		1,394.2		—		—		—		1,394.2		—		1,394.2
Other		182.1		—		—		—		182.1		—		182.1
Total Commercial		12,480.0		34.9		15.7		2.5		12,533.1		86.5		12,619.6
Personal
Residential Real Estate		10,075.2		12.1		16.4		13.0		10,116.7		177.2		10,293.9
Private Client		5,790.8		35.5		10.3		3.0		5,839.6		3.0		5,842.6
Other		54.3		—		—		—		54.3		—		54.3
Total Personal		15,920.3		47.6		26.7		16.0		16,010.6		180.2		16,190.8
Total Loans and Leases	$	28,400.3	$	82.5	$	42.4	$	18.5	$	28,543.7	$	266.7	$	28,810.4
Other Real Estate Owned												14.5
Total Nonperforming Assets											$	281.2

December 31, 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	$	7,433.4	$	6.4	$	5.5	$	1.6	$	7,446.9	$	21.6	$	7,468.5
Commercial Real Estate		2,782.0		6.9		13.1		1.4		2,803.4		56.4		2,859.8
Lease Financing, net		1,035.0		—		—		—		1,035.0		—		1,035.0
Non-U.S.		1,192.3		—		—		—		1,192.3		—		1,192.3
Other		341.6		—		—		—		341.6		—		341.6
Total Commercial		12,784.3		13.3		18.6		3.0		12,819.2		78.0		12,897.2
Personal
Residential Real Estate		10,096.3		68.1		25.7		10.5		10,200.6		174.6		10,375.2
Private Client		6,091.3		14.8		16.3		5.5		6,127.9		2.2		6,130.1
Other		102.0		—		—		—		102.0		—		102.0
Total Personal		16,289.6		82.9		42.0		16.0		16,430.5		176.8		16,607.3
Total Loans and Leases	$	29,073.9	$	96.2	$	60.6	$	19.0	$	29,249.7	$	254.8	$	29,504.5
Other Real Estate Owned												20.3
Total Nonperforming Assets											$	275.1

Impaired Loans By Segment and Class

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

	As of June 30, 2013						As of December 31, 2012
			Unpaid						Unpaid
	Recorded		Principal		Specific		Recorded		Principal		Specific
(In Millions)	Investment		Balance		Allowance		Investment		Balance		Allowance
With No Related Specific Allowance
Commercial and Institutional	$	11.7	$	14.9	$	—	$	15.1	$	19.3	$	—
Commercial Real Estate		43.4		50.8		—		64.9		76.9		—
Lease Financing, net		4.6		4.6		—		4.6		4.6		—
Residential Real Estate		166.1		204.7		—		131.3		165.7		—
Private Client		13.3		13.4		—		0.8		1.0		—
With a Related Specific Allowance
Commercial and Institutional		14.2		16.3		5.3		8.1		10.2		2.8
Commercial Real Estate		40.0		42.4		9.2		32.3		33.8		8.2
Residential Real Estate		8.2		8.8		2.3		11.8		13.0		6.1
Private Client		1.6		1.7		1.6		0.9		0.9		0.9
Total
Commercial		113.9		129.0		14.5		125.0		144.8		11.0
Personal		189.2		228.6		3.9		144.8		180.6		7.0
Total	$	303.1	$	357.6	$	18.4	$	269.8	$	325.4	$	18.0

	Three Months Ended June 30,								Six Months Ended June 30,
	2013				2012				2013				2012
	Average		Interest		Average		Interest		Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
(In Millions)	Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
With No Related Specific Allowance
Commercial and Institutional	$	10.8	$	0.1	$	29.8	$	0.1	$	11.5	$	0.1	$	24.4	$	0.1
Commercial Real Estate		40.3		0.2		36.7		0.1		40.0		0.4		47.0		0.2
Lease Financing, net		4.6		0.1		5.2		—		4.6		0.1		2.6		—
Residential Real Estate		156.6		0.6		113.2		0.3		148.7		1.1		110.7		0.6
Private Client		13.3		0.2		1.8		—		11.4		0.3		1.6		—
With a Related Specific Allowance
Commercial and Institutional		12.5		—		3.9		—		11.7		—		7.2		—
Commercial Real Estate		33.2		—		17.8		—		31.7		—		19.2		—
Residential Real Estate		8.3		—		15.1		—		9.0		—		15.3		—
Private Client		1.6		—		0.9		—		1.4		—		1.3		—
Total
Commercial		101.4		0.4		93.4		0.2		99.5		0.6		100.4		0.3
Personal		179.8		0.8		131.0		0.3		170.5		1.4		128.9		0.6
Total	$	281.2	$	1.2	$	224.4	$	0.5	$	270.0	$	2.0	$	229.3	$	0.9

Note: 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 six month periods ended June 30, 2013 and 2012, and the recorded investments and unpaid principal balances as of June 30, 2013 and 2012.

($ In Millions)	Three Months Ended June 30, 2013						Six Months Ended June 30, 2013
	Number of		Recorded		Unpaid Principal		Number of		Recorded		Unpaid Principal
	Loans and Leases		Investment		Balance		Loans and Leases		Investment		Balance
Commercial
Commercial and Institutional		—	$	—	$	—		7	$	0.5	$	1.0
Commercial Real Estate		3		4.7		6.9		4		4.7		7.0
Total Commercial		3		4.7		6.9		11		5.2		8.0
Personal
Residential Real Estate		36		5.3		6.9		84		45.0		48.5
Private Client		1		—		—		6		12.8		12.8
Total Personal		37		5.3		6.9		90		57.8		61.3
Total Loans and Leases		40	$	10.0	$	13.8		101	$	63.0	$	69.3

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

($ In Millions)	Three Months Ended June 30, 2012						Six Months Ended June 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	$	0.6	$	1.1
Commercial Real Estate		2		19.4		21.8		6		22.7		25.0
Lease Financing, net		1		5.2		5.2		1		5.2		5.2
Total Commercial		3		24.6		27.0		9		28.5		31.3
Personal
Residential Real Estate		29		3.0		4.2		61		8.3		11.0
Private Client		1		0.8		0.8		1		0.8		0.8
Total Personal		30		3.8		5.0		62		9.1		11.8
Total Loans and Leases		33	$	28.4	$	32.0		71	$	37.6	$	43.1

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