Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2015

Amounts Outstanding for Loans and Leases by Segment and Class

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

Table 41: Loans and Leases


(In Millions)	June 30, 2015			December 31, 2014
Commercial
Commercial and Institutional	$	8,999.1		$	8,381.9
Commercial Real Estate		3,651.4			3,333.3
Lease Financing, net		832.9			916.3
Non-U.S.		1,533.1			1,530.6
Other		288.4			191.5

Total Commercial		15,304.9			14,353.6

Personal
Residential Real Estate		9,369.0			9,782.6
Private Client		8,224.0			7,466.9
Other		55.9			37.1

Total Personal		17,648.9			17,286.6

Total Loans and Leases		32,953.8			31,640.2

Allowance for Credit Losses Assigned to Loans and Leases		(257.3	)		(267.0	)

Net Loans and Leases	$	32,696.5		$	31,373.2

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, 2015, and December 31, 2014, are provided below, segregated by borrower ratings into “1 to 3,” “4 to 5” and “6 to 9” (watch list), categories.

Table 42: Borrower Ratings


	June 30, 2015								December 31, 2014
(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	$	5,820.5	$	3,071.1	$	107.5	$	8,999.1	$	5,340.9	$	2,947.3	$	93.7	$	8,381.9
Commercial Real Estate		1,596.8		1,988.7		65.9		3,651.4		1,371.7		1,861.8		99.8		3,333.3
Lease Financing, net		477.6		352.4		2.9		832.9		552.5		360.3		3.5		916.3
Non-U.S.		770.2		762.7		0.2		1,533.1		636.8		892.9		0.9		1,530.6
Other		186.4		102.0		—		288.4		108.1		83.4		—		191.5

Total Commercial		8,851.5		6,276.9		176.5		15,304.9		8,010.0		6,145.7		197.9		14,353.6

Personal
Residential Real Estate		2,794.7		6,195.2		379.1		9,369.0		3,148.0		6,207.0		427.6		9,782.6
Private Client		5,216.7		2,992.5		14.8		8,224.0		5,143.8		2,311.7		11.4		7,466.9
Other		36.1		19.8		—		55.9		21.1		16.0		—		37.1

Total Personal		8,047.5		9,207.5		393.9		17,648.9		8,312.9		8,534.7		439.0		17,286.6

Total Loans and Leases	$	16,899.0	$	15,484.4	$	570.4	$	32,953.8	$	16,322.9	$	14,680.4	$	636.9	$	31,640.2

Balances and Delinquency Status of Performing and Nonperforming Loans and Leases by Segment and Class as well as Total OREO 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 OREO and nonperforming asset balances, as of June 30, 2015, and December 31, 2014.

Table 43: Delinquency Status

June 30, 2015

(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

8,880.3

5.5

87.5

2.4

8,975.7

23.4

8,999.1

Commercial Real Estate

3,590.5

19.4

11.3

4.2

3,625.4

26.0

3,651.4

Lease Financing, net

832.9

—

832.9

—

832.9

Non-U.S.

1,533.1

—

1,533.1

—

1,533.1

Other

288.4

—

288.4

—

288.4

Total Commercial

15,125.2

24.9

98.8

6.6

15,255.5

49.4

15,304.9

Personal

Residential Real Estate

9,196.0

6.5

6.4

1.9

9,210.8

158.2

9,369.0

Private Client

8,180.3

31.5

4.7

6.4

8,222.9

1.1

8,224.0

Other

55.9

—

55.9

—

55.9

Total Personal

17,432.2

38.0

11.1

8.3

17,489.6

159.3

17,648.9

Total Loans and Leases

32,557.4

62.9

109.9

14.9

32,745.1

208.7

32,953.8

Other Real Estate Owned

10.1

Total Nonperforming Assets

218.8


December 31, 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	$	8,340.5	$	14.5	$	4.0	$	7.9	$	8,366.9	$	15.0	$	8,381.9
Commercial Real Estate		3,274.3		9.6		9.8		2.5		3,296.2		37.1		3,333.3
Lease Financing, net		916.3		—		—		—		916.3		—		916.3
Non-U.S.		1,530.6		—		—		—		1,530.6		—		1,530.6
Other		191.5		—		—		—		191.5		—		191.5

Total Commercial		14,253.2		24.1		13.8		10.4		14,301.5		52.1		14,353.6

Personal
Residential Real Estate		9,556.3		49.5		9.9		4.5		9,620.2		162.4		9,782.6
Private Client		7,396.0		56.0		5.9		7.8		7,465.7		1.2		7,466.9
Other		37.1		—		—		—		37.1		—		37.1

Total Personal		16,989.4		105.5		15.8		12.3		17,123.0		163.6		17,286.6

Total Loans and Leases	$	31,242.6	$	129.6	$	29.6	$	22.7	$	31,424.5	$	215.7	$	31,640.2

								Other Real Estate Owned				16.6

								Total Nonperforming Assets			$	232.3

Impaired Loans By Segment and Class

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

Table 44: Information about Impaired Loans as of the Period End


	As of June 30, 2015						As of December 31, 2014
(In Millions)	Recorded Investment		Unpaid Principal Balance		Specific Allowance		Recorded Investment		Unpaid Principal Balance		Specific Allowance
With No Related Specific Allowance
Commercial and Institutional	$	8.8	$	11.9	$	—	$	9.0	$	12.0	$	—
Commercial Real Estate		23.9		29.1		—		47.0		52.4		—
Lease Financing, net		—		—		—		4.2		4.2		—
Residential Real Estate		155.7		200.5		—		160.9		204.8		—
Private Client		0.8		0.8		—		0.2		0.5		—
With a Related Specific Allowance
Commercial and Institutional		11.5		7.1		4.9		6.5		6.6		2.9
Commercial Real Estate		5.6		6.6		1.5		12.2		18.3		2.9
Lease Financing, net		2.9		2.9		1.4		—		—		—
Residential Real Estate		9.0		9.2		2.6		1.4		1.4		0.4
Private Client		0.8		0.8		0.4		0.8		0.8		0.4
Total
Commercial		52.7		57.6		7.8		78.9		93.5		5.8
Personal		166.3		211.3		3.0		163.3		207.5		0.8

Total	$	219.0	$	268.9	$	10.8	$	242.2	$	301.0	$	6.6


	Three Months Ended June 30,								Six Months Ended June 30,
	2015				2014				2015				2014
(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	$	8.1	$	—	$	10.6	$	—	$	8.6	$	—	$	11.0	$	—
Commercial Real Estate		33.9		0.2		44.7		0.2		41.2		0.4		44.8		0.5
Lease Financing, net		—		—		4.3		—		3.4		0.1		4.4		0.1
Residential Real Estate		155.7		0.5		181.2		0.7		158.5		0.8		185.2		1.3
Private Client		0.6		—		0.7		—		0.4		—		0.7		—
With a Related Specific Allowance
Commercial and Institutional		12.2		—		9.7		—		10.3		—		9.9		—
Commercial Real Estate		10.2		—		22.7		—		11.2		—		24.6		—
Lease Financing, net		3.2		—		—		—		1.6		—		—		—
Residential Real Estate		6.8		—		3.8		—		4.8		—		5.4		—
Private Client		0.8		—		0.5		—		0.8		—		0.3		—
Total
Commercial		67.6		0.2		92.0		0.2		76.3		0.5		94.7		0.6
Personal		163.9		0.5		186.2		0.7		164.5		0.8		191.6		1.3

Total	$	231.5	$	0.7	$	278.2	$	0.9	$	240.8	$	1.3	$	286.3	$	1.9

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, 2015 and 2014, and the recorded investments and unpaid principal balances as of June 30, 2015 and 2014.

Table 45: Troubled Debt Restructurings

($ In Millions)

Three Months Ended
June 30, 2015

Six Months Ended
June 30, 2015

Number of
Loans and Leases

Recorded
Investment

Unpaid
Principal
Balance

Number of
Loans and Leases

Recorded
Investment

Unpaid
Principal
Balance

Commercial

Commercial and Institutional

0.1

Commercial Real Estate

—

0.8

Total Commercial

0.1

0.9

Personal

Residential Real Estate

8.5

9.4

15.6

19.6

Private Client

0.6

Total Personal

9.1

10.0

16.2

20.2

Total Loans and Leases

9.2

10.1

17.1

21.1

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


($ 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

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.