Business Segment Information (Tables)

6 Months Ended

Jun. 30, 2022

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The following table presents the condensed income statement by segment.

	Three Months Ended June 30, 2022
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	467	$	204	$	(18)	$	47	$	700
Provision for credit losses	7		35		—		—		42
Net interest income after provision for credit losses	460		169		(18)		47		658
Noninterest income	125		130		160		9		424
Noninterest expenses	390		180		111		64		745
Income (loss) before income taxes	195		119		31		(8)		337
Income tax expense	40		24		7		11		82
Net income (loss)	$	155	$	95	$	24	$	(19)	$	255
Select Period End Balances
Loans and leases	$	40,444	$	27,220	$	71	$	—	$	67,735
Deposits	83,535		4,449		11		1,334		89,329
Operating lease equipment, net	—		724		7,247		—		7,971
	Three Months Ended June 30, 2021
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	363	$	4	$	—	$	(21)	$	346
Benefit for credit losses	(21)		1		—		—		(20)
Net interest income (loss) after benefit for credit losses	384		3		—		(21)		366
Noninterest income	104		—		—		29		133
Noninterest expenses	289		1		—		10		300
Income before income taxes	199		2		—		(2)		199
Income tax expense	46		—		—		—		46
Net income	$	153	$	2	$	—	$	(2)	$	153
Select Period End Balances
Loans and leases	$	32,033	$	657	$	—	$	—	$	32,690
Deposits	48,344		66		—		1		48,411
Operating lease equipment, net	—		—		—		—		—

	Six Months Ended June 30, 2022
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	904	$	411	$	(37)	$	71	$	1,349
(Benefit) provision for credit losses	(8)		1		—		513		506
Net interest income after provision for credit losses	912		410		(37)		(442)		843
Noninterest income	248		242		322		462		1,274
Noninterest expenses	799		371		211		174		1,555
Income (loss) before income taxes	361		281		74		(154)		562
Income tax expense (benefit)	80		65		18		(127)		36
Net income (loss)	$	281	$	216	$	56	$	(27)	$	526
	Six Months Ended June 30, 2021
dollars in millions	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income	$	707	$	8	$	—	$	(29)	$	686
(Benefit) provision for credit losses	(32)		1		—		—		(31)
Net interest income (loss) after benefit for credit losses	739		7		—		(29)		717
Noninterest income	214		—		—		56		270
Noninterest expenses	579		2		—		16		597
Income before income taxes	374		5		—		11		390
Income tax expense	86		1		—		3		90
Net income	$	288	$	4	$	—	$	8	$	300