Loans and Leases (Tables)

9 Months Ended

Sep. 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)	September 30, 2014			December 31, 2013
Commercial
Commercial and Institutional	$	8,212.1		$	7,375.8
Commercial Real Estate		3,107.7			2,955.8
Lease Financing, net		952.5			975.1
Non-U.S.		1,408.4			954.7
Other		187.9			358.6

Total Commercial		13,868.6			12,620.0

Personal
Residential Real Estate		9,872.7			10,271.3
Private Client		6,953.1			6,445.6
Other		25.5			48.6

Total Personal		16,851.3			16,765.5

Total Loans and Leases		30,719.9			29,385.5

Allowance for Credit Losses Assigned to Loans and Leases		(269.4	)		(278.1	)

Net Loans and Leases	$	30,450.5		$	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 September 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.


	September 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	$	5,115.4	$	2,983.6	$	113.1	$	8,212.1	$	4,432.5	$	2,801.5	$	141.8	$	7,375.8
Commercial Real Estate		1,263.6		1,718.2		125.9		3,107.7		1,053.7		1,748.7		153.4		2,955.8
Lease Financing, net		572.2		376.1		4.2		952.5		685.7		285.0		4.4		975.1
Non-U.S.		643.7		763.8		0.9		1,408.4		442.8		511.9		—		954.7
Other		137.4		50.5		—		187.9		157.7		200.9		—		358.6

Total Commercial		7,732.3		5,892.2		244.1		13,868.6		6,772.4		5,548.0		299.6		12,620.0

Personal
Residential Real Estate		2,995.7		6,439.9		437.1		9,872.7		3,204.6		6,563.6		503.1		10,271.3
Private Client		4,461.8		2,479.9		11.4		6,953.1		3,957.6		2,481.2		6.8		6,445.6
Other		18.6		6.9		—		25.5		21.2		27.4		—		48.6

Total Personal		7,476.1		8,926.7		448.5		16,851.3		7,183.4		9,072.2		509.9		16,765.5

Total Loans and Leases	$	15,208.4	$	14,818.9	$	692.6	$	30,719.9	$	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 September 30, 2014, and December 31, 2013.

September 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

8,153.8

10.2

13.3

3.1

8,180.4

31.7

8,212.1

Commercial Real Estate

3,044.4

7.8

5.2

10.4

3,067.8

39.9

3,107.7

Lease Financing, net

952.5

—

952.5

—

952.5

Non-U.S.

1,408.4

—

1,408.4

—

1,408.4

Other

187.9

—

187.9

—

187.9

Total Commercial

13,747.0

18.0

18.5

13.5

13,797.0

71.6

13,868.6

Personal

Residential Real Estate

9,702.1

7.9

9.0

6.4

9,725.4

147.3

9,872.7

Private Client

6,917.8

21.1

7.4

5.2

6,951.5

1.6

6,953.1

Other

25.5

—

25.5

—

25.5

Total Personal

16,645.4

29.0

16.4

11.6

16,702.4

148.9

16,851.3

Total Loans and Leases

30,392.4

47.0

34.9

25.1

30,499.4

220.5

30,719.9

Other Real Estate Owned

10.7

Total Nonperforming Assets

231.2


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 September 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	$	11.6	$	14.6	$	—	$	12.2	$	18.1	$	—
Commercial Real Estate		49.2		54.9		—		46.6		57.1		—
Lease Financing, net		4.2		4.2		—		4.4		4.4		—
Residential Real Estate		170.2		214.5		—		185.0		227.8		—
Private Client		0.1		0.4		—		0.8		0.8		—
With a Related Specific Allowance
Commercial and Institutional		20.5		20.5		5.1		9.6		12.1		3.6
Commercial Real Estate		12.4		18.4		3.5		26.7		31.5		4.5
Residential Real Estate		1.3		1.5		0.4		8.1		8.7		2.3
Private Client		0.9		0.9		0.5		—		—		—
Total
Commercial		97.9		112.6		8.6		99.5		123.2		8.1
Personal		172.5		217.3		0.9		193.9		237.3		2.3

Total	$	270.4	$	329.9	$	9.5	$	293.4	$	360.5	$	10.4


	Three Months Ended September 30,								Nine Months Ended September 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	$	12.6	$	0.1	$	10.7	$	—	$	11.5	$	0.1	$	11.3	$	0.1
Commercial Real Estate		48.5		0.2		42.0		0.2		46.0		0.7		40.6		0.6
Lease Financing, net		4.3		0.1		4.5		0.1		4.3		0.2		4.6		0.2
Residential Real Estate		172.0		0.8		168.1		0.3		180.8		2.1		155.2		1.4
Private Client		0.3		—		13.3		0.2		0.6		—		12.0		0.5
With a Related Specific Allowance
Commercial and Institutional		11.9		—		14.1		—		10.6		—		12.5		—
Commercial Real Estate		13.7		—		31.2		—		20.9		—		31.6		—
Residential Real Estate		1.3		—		10.0		—		4.1		—		9.4		—
Private Client		0.9		—		0.8		—		0.5		—		1.1		—
Total
Commercial		91.0		0.4		102.5		0.3		93.3		1.0		100.6		0.9
Personal		174.5		0.8		192.2		0.5		186.0		2.1		177.7		1.9

Total	$	265.5	$	1.2	$	294.7	$	0.8	$	279.3	$	3.1	$	278.3	$	2.8

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 nine month periods ended September 30, 2014, and 2013, and the recorded investments and unpaid principal balances as of September 30, 2014, and 2013.

($ In Millions)

Three Months Ended
September 30, 2014

Nine Months Ended
September 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

0.4

0.7

0.8

Commercial Real Estate

2.9

3.4

3.5

4.1

Total Commercial

3.3

3.8

4.2

4.9

Personal

Residential Real Estate

18.0

18.7

25.3

27.1

Private Client

—

0.3

Total Personal

18.0

18.7

25.3

27.4

Total Loans and Leases

21.3

22.5

108

29.5

32.3

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


($ In Millions)	Three Months Ended September 30, 2013						Nine Months Ended September 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		7		22.8		25.0		11		27.4		31.9

Total Commercial		7		22.8		25.0		18		27.9		32.9

Personal
Residential Real Estate		38		6.7		11.4		122		51.2		59.8
Private Client		—		—		—		6		12.8		12.8

Total Personal		38		6.7		11.4		128		64.0		72.6

Total Loans and Leases		45	$	29.5	$	36.4		146	$	91.9	$	105.5

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