Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2014

Amounts Outstanding for Loans and Leases by Segment and Class

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


(In Millions)	June 30, 2014			December 31, 2013
Commercial
Commercial and Institutional	$	8,042.6		$	7,375.8
Commercial Real Estate		3,075.5			2,955.8
Lease Financing, net		926.4			975.1
Non-U.S.		1,334.0			954.7
Other		612.9			358.6

Total Commercial		13,991.4			12,620.0

Personal
Residential Real Estate		9,992.6			10,271.3
Private Client		6,630.5			6,445.6
Other		83.1			48.6

Total Personal		16,706.2			16,765.5

Total Loans and Leases		30,697.6			29,385.5

Allowance for Credit Losses Assigned to Loans and Leases		(275.2	)		(278.1	)

Net Loans and Leases	$	30,422.4		$	29,107.4

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, 2014 and December 31, 2013 are provided below, segregated by borrower ratings into “1 to 3”, “4 to 5” and “6 to 9” (watch list), categories.


	June 30, 2014								December 31, 2013
(In Millions)	1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total		1 to 3 Category		4 to 5 Category		6 to 9 Category (Watch List)		Total
Commercial
Commercial and Institutional	$	4,853.8	$	3,072.8	$	116.0	$	8,042.6	$	4,432.5	$	2,801.5	$	141.8	$	7,375.8
Commercial Real Estate		1,203.5		1,736.3		135.7		3,075.5		1,053.7		1,748.7		153.4		2,955.8
Lease Financing, net		504.1		418.0		4.3		926.4		685.7		285.0		4.4		975.1
Non-U.S.		588.6		744.4		1.0		1,334.0		442.8		511.9		—		954.7
Other		520.9		92.0		—		612.9		157.7		200.9		—		358.6

Total Commercial		7,670.9		6,063.5		257.0		13,991.4		6,772.4		5,548.0		299.6		12,620.0

Personal
Residential Real Estate		3,075.4		6,452.4		464.8		9,992.6		3,204.6		6,563.6		503.1		10,271.3
Private Client		4,177.9		2,447.8		4.8		6,630.5		3,957.6		2,481.2		6.8		6,445.6
Other		70.6		12.5		—		83.1		21.2		27.4		—		48.6

Total Personal		7,323.9		8,912.7		469.6		16,706.2		7,183.4		9,072.2		509.9		16,765.5

Total Loans and Leases	$	14,994.8	$	14,976.2	$	726.6	$	30,697.6	$	13,955.8	$	14,620.2	$	809.5	$	29,385.5

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, 2014 and December 31, 2013.

June 30, 2014

(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

7,977.8

30.3

12.4

1.3

8,021.8

20.8

8,042.6

Commercial Real Estate

3,012.9

9.6

5.7

1.9

3,030.1

45.4

3,075.5

Lease Financing, net

926.4

—

926.4

—

926.4

Non-U.S.

1,334.0

—

1,334.0

—

1,334.0

Other

612.9

—

612.9

—

612.9

Total Commercial

13,864.0

39.9

18.1

3.2

13,925.2

66.2

13,991.4

Personal

Residential Real Estate

9,802.6

12.4

11.1

4.8

9,830.9

161.7

9,992.6

Private Client

6,564.1

44.3

15.6

5.1

6,629.1

1.4

6,630.5

Other

83.1

—

83.1

—

83.1

Total Personal

16,449.8

56.7

26.7

9.9

16,543.1

163.1

16,706.2

Total Loans and Leases

30,313.8

96.6

44.8

13.1

30,468.3

229.3

30,697.6

Other Real Estate Owned

12.6

Total Nonperforming Assets

241.9


December 31, 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	$	7,332.3	$	5.0	$	12.1	$	3.3	$	7,352.7	$	23.1	$	7,375.8
Commercial Real Estate		2,881.1		4.1		14.6		6.8		2,906.6		49.2		2,955.8
Lease Financing, net		975.1		—		—		—		975.1		—		975.1
Non-U.S.		954.7		—		—		—		954.7		—		954.7
Other		358.6		—		—		—		358.6		—		358.6

Total Commercial		12,501.8		9.1		26.7		10.1		12,547.7		72.3		12,620.0

Personal
Residential Real Estate		9,934.4		129.3		15.6		2.9		10,082.2		189.1		10,271.3
Private Client		6,404.2		29.1		7.5		3.4		6,444.2		1.4		6,445.6
Other		48.6		—		—		—		48.6		—		48.6

Total Personal		16,387.2		158.4		23.1		6.3		16,575.0		190.5		16,765.5

Total Loans and Leases	$	28,889.0	$	167.5	$	49.8	$	16.4	$	29,122.7	$	262.8	$	29,385.5

								Other Real Estate Owned				11.9

								Total Nonperforming Assets			$	274.7

Impaired Loans By Segment and Class

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


	As of June 30, 2014						As of December 31, 2013
(In Millions)	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Recorded Investment		Unpaid Principal Balance		Specific Allowance
With No Related Specific Allowance
Commercial and Institutional	$	12.6	$	15.3	$	—	$	12.2	$	18.1	$	—
Commercial Real Estate		49.7		57.1		—		46.6		57.1		—
Lease Financing, net		4.3		4.3		—		4.4		4.4		—
Residential Real Estate		177.9		225.8		—		185.0		227.8		—
Private Client		0.4		0.4		—		0.8		0.8		—
With a Related Specific Allowance
Commercial and Institutional		7.7		7.8		3.7		9.6		12.1		3.6
Commercial Real Estate		15.7		21.6		3.9		26.7		31.5		4.5
Residential Real Estate		1.4		1.5		0.4		8.1		8.7		2.3
Private Client		0.9		0.9		0.5		—		—		—
Total
Commercial		90.0		106.1		7.6		99.5		123.2		8.1
Personal		180.6		228.6		0.9		193.9		237.3		2.3

Total	$	270.6	$	334.7	$	8.5	$	293.4	$	360.5	$	10.4


	Three Months Ended June 30,								Six Months Ended June 30,
	2014				2013				2014				2013
(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	$	10.6	$	—	$	10.8	$	0.1	$	11.0	$	—	$	11.5	$	0.1
Commercial Real Estate		44.7		0.2		40.3		0.2		44.8		0.5		40.0		0.4
Lease Financing, net		4.3		—		4.6		0.1		4.4		0.1		4.6		0.1
Residential Real Estate		181.2		0.7		156.6		0.6		185.2		1.3		148.7		1.1
Private Client		0.7		—		13.3		0.2		0.7		—		11.4		0.3
With a Related Specific Allowance
Commercial and Institutional		9.7		—		12.5		—		9.9		—		11.7		—
Commercial Real Estate		22.7		—		33.2		—		24.6		—		31.7		—
Residential Real Estate		3.8		—		8.3		—		5.4		—		9.0		—
Private Client		0.5		—		1.6		—		0.3		—		1.4		—
Total
Commercial		92.0		0.2		101.4		0.4		94.7		0.6		99.5		0.6
Personal		186.2		0.7		179.8		0.8		191.6		1.3		170.5		1.4

Total	$	278.2	$	0.9	$	281.2	$	1.2	$	286.3	$	1.9	$	270.0	$	2.0

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, 2014 and 2013, and the recorded investments and unpaid principal balances as of June 30, 2014 and 2013.


($ In Millions)	Three Months Ended June 30, 2014						Six Months Ended June 30, 2014
	Number of Loans and Leases		Recorded Investment		Unpaid Principal Balance		Number of Loans and Leases		Recorded Investment		Unpaid Principal Balance
Commercial
Commercial and Institutional		2	$	0.7	$	1.0		2	$	0.7	$	1.0
Commercial Real Estate		—		—		—		1		0.7		0.7
Lease Financing, net		—		—		—		—		—		—

Total Commercial		2		0.7		1.0		3		1.4		1.7

Personal
Residential Real Estate		34		4.9		5.7		68		8.4		9.4
Private Client		2		0.3		0.3		3		0.3		0.3

Total Personal		36		5.2		6.0		71		8.7		9.7

Total Loans and Leases		38	$	5.9	$	7.0		74	$	10.1	$	11.4

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


($ In Millions)	Three Months Ended June 30, 2013						Six Months Ended June 30, 2013
	Number of Loans and Leases		Recorded Investment		Unpaid Principal Balance		Number of Loans and Leases		Recorded Investment		Unpaid Principal 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.