Business Segment Information (Tables)

3 Months Ended

Mar. 31, 2022

The following table presents the condensed income statement by segment.


	Three months ended March 31, 2022
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	437	$	207	$	(19)	$	24	$	649
Provision (benefit) for credit losses	(15)		(34)		—		513		464
Net interest income after provision for credit losses	452		241		(19)		(489)		185
Noninterest income	123		112		162		453		850
Noninterest expenses	409		191		100		110		810
Income (loss) before income taxes	166		162		43		(146)		225
Provision (benefit) for income taxes	40		41		11		(138)		(46)
Net income (loss)	$	126	$	121	$	32	$	(8)	$	271
Select Period End Balances

Loans and leases	$	38,778	$	26,672	$	67	$	7	$	65,524
Deposits	85,469		4,687		13		1,428		91,597
Operating lease equipment, net	—		721		7,251		—		7,972

	Three months ended March 31, 2021
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	344	$	4	$	—	$	(8)	$	340
Benefit for credit losses	(11)		—		—		—		(11)
Net interest income (loss) after benefit for credit losses	355		4		—		(8)		351
Noninterest income	110		—		—		27		137
Noninterest expenses	290		1		—		6		297
Income before income taxes	175		3		—		13		191
Provision for income taxes	40		1		—		3		44
Net income	$	135	$	2	$	—	$	10	$	147
Select Period End Balances

Loans and leases	$	32,580	$	601	$	—	$	—	$	33,181
Deposits	47,277		53		—		1		47,331
Operating lease equipment, net	—		—		—		—		—