Business Segment Information (Tables)

9 Months Ended

Sep. 30, 2022

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The following table presents the condensed income statement by segment.

dollars in millions	Three Months Ended September 30, 2022
	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income (expense)	$	495	$	230	$	(20)	$	90	$	795
Provision for credit losses	2		58		—		—		60
Net interest income (expense) after provision for credit losses	493		172		(20)		90		735
Noninterest income	118		133		170		12		433
Noninterest expense	410		186		110		54		760
Income before income taxes	201		119		40		48		408
Income tax expense	55		25		10		3		93
Net income	$	146	$	94	$	30	$	45	$	315
Select Period End Balances
Loans and leases	$	41,693	$	28,023	$	74	$	—	$	69,790
Deposits	82,730		3,682		14		1,127		87,553
Operating lease equipment, net	—		736		7,248		—		7,984
	Three Months Ended September 30, 2021
	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income (expense)	$	363	$	5	$	—	$	(21)	$	347
Benefit for credit losses	(1)		—		—		—		(1)
Net interest income (expense) after benefit for credit losses	364		5		—		(21)		348
Noninterest income	110		—		—		14		124
Noninterest expense	295		1		—		18		314
Income (loss) before income taxes	179		4		—		(25)		158
Income tax expense (benefit)	38		1		—		(5)		34
Net income (loss)	$	141	$	3	$	—	$	(20)	$	124
Select Period End Balances
Loans and leases	$	31,849	$	667	$	—	$	—	$	32,516
Deposits	49,992		73		—		—		50,065
Operating lease equipment, net	—		—		—		—		—

dollars in millions	Nine Months Ended September 30, 2022
	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income (expense)	$	1,400	$	641	$	(58)	$	161	$	2,144
(Benefit) provision for credit losses	(7)		60		—		513		566
Net interest income (expense) after provision for credit losses	1,407		581		(58)		(352)		1,578
Noninterest income	365		376		493		473		1,707
Noninterest expense	1,210		557		320		228		2,315
Income (loss) before income taxes	562		400		115		(107)		970
Income tax expense (benefit)	134		90		28		(123)		129
Net income	$	428	$	310	$	87	$	16	$	841
	Nine Months Ended September 30, 2021
	General Banking		Commercial Banking		Rail		Corporate		Total BancShares
Net interest income (expense)	$	1,071	$	12	$	—	$	(50)	$	1,033
Benefit for credit losses	(32)		—		—		—		(32)
Net interest income (expense) after benefit for credit losses	1,103		12		—		(50)		1,065
Noninterest income	325		—		—		69		394
Noninterest expense	875		3		—		33		911
Income (loss) before income taxes	553		9		—		(14)		548
Income tax expense (benefit)	125		2		—		(3)		124
Net income (loss)	$	428	$	7	$	—	$	(11)	$	424