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Loans and the Allowance for Credit Losses | 6 Months Ended
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Jun. 30, 2021
Receivables [Abstract] |
Loans and the Allowance for Credit Losses | NOTE 3. LOANS AND THE ALLOWANCE FOR CREDIT LOSSES LOANS The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income:
| June 30, 2021 |  | December 31, 2020
| (In millions)
Commercial and industrial | $ | 42,628 |  |  | $ | 42,870 |
Commercial real estate mortgage—owner-occupied | 5,381 |  |  | 5,405 |
Commercial real estate construction—owner-occupied | 245 |  |  | 300 |
Total commercial | 48,254 |  |  | 48,575 |
Commercial investor real estate mortgage | 5,449 |  |  | 5,394 |
Commercial investor real estate construction | 1,799 |  |  | 1,869 |
Total investor real estate | 7,248 |  |  | 7,263 |
Residential first mortgage | 17,051 |  |  | 16,575 |
Home equity lines | 4,057 |  |  | 4,539 |
Home equity loans | 2,588 |  |  | 2,713 |
Indirect—vehicles | 621 |  |  | 934 |
Indirect—other consumer | 2,157 |  |  | 2,431 |
Consumer credit card | 1,131 |  |  | 1,213 |
Other consumer | 967 |  |  | 1,023 |
Total consumer | 28,572 |  |  | 29,428 |
Total loans, net of unearned income | $ | 84,074 |  |  | $ | 85,266 |
During the six months ended June 30, 2021 and 2020, Regions purchased approximately $532 million and $902 million in indirect-other consumer, residential first mortgage and commercial and industrial loans from third parties, respectively. At June 30, 2021, $15.2 billion in securities and net eligible loans held by Regions were pledged for potential borrowings from the FHLB. At June 30, 2021, an additional $12.8 billion in net eligible loans held by Regions were pledged to the FRB for potential borrowings. Included in the commercial and industrial loan balance are sales-type and direct financing leases totaling $1.2 billion as of June 30, 2021, with related income of $31 million for the six months ended June 30, 2021. ALLOWANCE FOR CREDIT LOSSES Regions determines the appropriate level of the allowance on a quarterly basis. Refer to Note 1 "Summary of Significant Accounting Policies" to the consolidated financial statements to the Annual Report on Form 10-K for the year ended December 31, 2020, for a description of the methodology. As of June 30, 2021, Regions' total loans included $2.9 billion of PPP loans. These loans are guaranteed by the Federal government and as the guarantee is not separable from the loans, Regions recorded an immaterial allowance on these loans. ROLLFORWARD OF ALLOWANCE FOR CREDIT LOSSES During the six months ended June 30, 2021, Regions decreased the allowance by $609 million to $1.7 billion, which represents management's best estimate of expected losses over the life of the portfolio. The decrease was due primarily to continued improvement in the economic outlook due to vaccine deployment, lower expectations of future credit losses due to the benefit of government stimulus programs, and impact of expected charge-offs that were previously provided for. While the allowance estimate reflects these benefits, elevated levels of imprecision remain due to continued uncertainty regarding the timing of full economic recovery. Macroeconomic factors utilized in the CECL loss models include, but are not limited to, unemployment rate, GDP, HPI and the S&P 500 index, with unemployment being the most significant macroeconomic factor. Regions' models are sensitive to changes in the economic scenarios. The June 30, 2021 economic forecast was relatively consistent with the March 2021 forecast with the exception of the HPI which had meaningful increases during the quarter. Risks to the economic forecast and the model limitations are considered through model adjustments and the qualitative framework. The following tables present analyses of the allowance by portfolio segment for the three and six months ended June 30, 2021 and 2020.
| Three Months Ended June 30, 2021
| Commercial |  | Investor Real Estate |  | Consumer |  | Total
| (In millions)
Allowance for loan losses, April 1, 2021 | $ | 1,082 |  |  | $ | 150 |  |  | $ | 744 |  |  | $ | 1,976 |
Provision for (benefit from) loan losses | (203) |  |  | (57) |  |  | (72) |  |  | (332) |
Loan losses: |  |  |  |  |  |  |
Charge-offs | (36) |  |  | (4) |  |  | (43) |  |  | (83) |
Recoveries | 15 |  |  | 2 |  |  | 19 |  |  | 36 |
Net loan (losses) recoveries | (21) |  |  | (2) |  |  | (24) |  |  | (47) |
Allowance for loan losses, June 30, 2021 | 858 |  |  | 91 |  |  | 648 |  |  | 1,597 |
Reserve for unfunded credit commitments, April 1, 2021 | 67 |  |  | 11 |  |  | 14 |  |  | 92 |
Provision for (benefit from) unfunded credit commitments | (6) |  |  | 2 |  |  | (1) |  |  | (5) |
Reserve for unfunded credit commitments, June 30, 2021 | 61 |  |  | 13 |  |  | 13 |  |  | 87 |
Allowance for credit losses, June 30, 2021 | $ | 919 |  |  | $ | 104 |  |  | $ | 661 |  |  | $ | 1,684 |
| Three Months Ended June 30, 2020
| Commercial |  | Investor Real Estate |  | Consumer |  | Total
| (In millions)
Allowance for loan losses, April 1, 2020 | $ | 721 |  |  | $ | 63 |  |  | $ | 776 |  |  | $ | 1,560 |
Provision for (benefit from) loan losses | 622 |  |  | 97 |  |  | 119 |  |  | 838 |
Initial allowance on acquired PCD loans | 60 |  |  | — |  |  | — |  |  | 60 |
Loan losses: |  |  |  |  |  |  |
Charge-offs | (142) |  |  | — |  |  | (62) |  |  | (204) |
Recoveries | 10 |  |  | — |  |  | 12 |  |  | 22 |
Net loan (losses) recoveries | (132) |  |  | — |  |  | (50) |  |  | (182) |
Allowance for loan losses, June 30, 2020 | 1,271 |  |  | 160 |  |  | 845 |  |  | 2,276 |
Reserve for unfunded credit commitments, April 1, 2020 | 73 |  |  | 18 |  |  | 14 |  |  | 105 |
Provision for (benefit from) unfunded credit commitments | 34 |  |  | 9 |  |  | 1 |  |  | 44 |
Reserve for unfunded credit commitments, June 30, 2020 | 107 |  |  | 27 |  |  | 15 |  |  | 149 |
Allowance for credit losses, June 30, 2020 | $ | 1,378 |  |  | $ | 187 |  |  | $ | 860 |  |  | $ | 2,425 |
| Six Months Ended June 30, 2021
| Commercial |  | Investor Real Estate |  | Consumer |  | Total
| (In millions)
Allowance for loan losses, January 1, 2021 | $ | 1,196 |  |  | $ | 183 |  |  | $ | 788 |  |  | $ | 2,167 |
Provision for (benefit from) loan losses | (286) |  |  | (75) |  |  | (79) |  |  | (440) |
Loan losses: |  |  |  |  |  |  |
Charge-offs | (83) |  |  | (19) |  |  | (95) |  |  | (197) |
Recoveries | 31 |  |  | 2 |  |  | 34 |  |  | 67 |
Net loan (losses) recoveries | (52) |  |  | (17) |  |  | (61) |  |  | (130) |
Allowance for loan losses, June 30, 2021 | 858 |  |  | 91 |  |  | 648 |  |  | 1,597 |
Reserve for unfunded credit commitments, January 1, 2021 | 97 |  |  | 14 |  |  | 15 |  |  | 126 |
Provision for (benefit from) unfunded credit commitments | (36) |  |  | (1) |  |  | (2) |  |  | (39) |
Reserve for unfunded credit commitments, June 30, 2021 | 61 |  |  | 13 |  |  | 13 |  |  | 87 |
Allowance for credit losses, June 30, 2021 | $ | 919 |  |  | $ | 104 |  |  | $ | 661 |  |  | $ | 1,684 |
| Six Months Ended June 30, 2020
| Commercial |  | Investor Real Estate |  | Consumer |  | Total
| (In millions)
Allowance for loan losses, December 31, 2019 | $ | 537 |  |  | $ | 45 |  |  | $ | 287 |  |  | $ | 869 |
Cumulative change in accounting guidance | (3) |  |  | 7 |  |  | 434 |  |  | 438 |
Allowance for loan losses, January 1, 2020 (adjusted for change in accounting guidance) | $ | 534 |  |  | $ | 52 |  |  | $ | 721 |  |  | $ | 1,307 |
Provision for (benefit from) loan losses | 873 |  |  | 107 |  |  | 234 |  |  | 1,214 |
Initial allowance on acquired PCD loans | 60 |  |  | — |  |  | — |  |  | 60 |
Loan losses: |  |  |  |  |  |  |
Charge-offs | (213) |  |  | — |  |  | (135) |  |  | (348) |
Recoveries | 17 |  |  | 1 |  |  | 25 |  |  | 43 |
Net loan (losses) recoveries | (196) |  |  | 1 |  |  | (110) |  |  | (305) |
Allowance for loan losses, June 30, 2020 | 1,271 |  |  | 160 |  |  | 845 |  |  | 2,276 |
Reserve for unfunded credit commitments, December 31, 2019 | 41 |  |  | 4 |  |  | — |  |  | 45 |
Cumulative change in accounting guidance | 36 |  |  | 13 |  |  | 14 |  |  | 63 |
Reserve for unfunded credit commitments, January 1, 2020 (adjusted for change in accounting guidance) | 77 |  |  | 17 |  |  | 14 |  |  | 108 |
Provision (credit) for unfunded credit losses | 30 |  |  | 10 |  |  | 1 |  |  | 41 |
Reserve for unfunded credit commitments, June 30, 2020 | 107 |  |  | 27 |  |  | 15 |  |  | 149 |
Allowance for credit losses, June 30, 2020 | $ | 1,378 |  |  | $ | 187 |  |  | $ | 860 |  |  | $ | 2,425 |
PORTFOLIO SEGMENT RISK FACTORS Regions’ portfolio segments are commercial, investor real estate and consumer. Classes within each segment present unique credit risks. Refer to Note 6 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2020 for information regarding Regions’ portfolio segments and related classes, as well as the risks specific to each. CREDIT QUALITY INDICATORS The commercial and investor real estate portfolio segments’ primary credit quality indicator is internal risk ratings which are detailed by categories related to underlying credit quality and probability of default. Regions assigns these risk ratings at loan origination and reviews the relationship utilizing a risk-based approach on, at minimum, an annual basis or at any time management becomes aware of information affecting the borrowers' ability to fulfill their obligations. Both quantitative and qualitative factors are considered in this review process. Regions' ratings are aligned to federal banking regulators’ definitions and are utilized to develop the associated allowance. Refer to Note 6 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2020 for information regarding commercial risk ratings. Regions' consumer portfolio segment has various classes that present unique credit risks. Regions considers factors such as periodic updates of FICO scores, accrual status, days past due status, unemployment rates, home prices and geography as credit quality indicators for the consumer loan portfolio. FICO scores are obtained at origination as part of Regions' formal underwriting process. Refreshed FICO scores are obtained by the Company quarterly for all consumer loans, including residential first mortgage loans. Current FICO data is not available for certain loans in the portfolio for various reasons; for example, if customers do not use sufficient credit, an updated score may not be available. These categories are utilized to develop the associated allowance for credit losses. The higher the FICO score the less probability of default and vice versa. The following tables present applicable credit quality indicators for the loan portfolio segments and classes, excluding loans held for sale, by vintage year as of June 30, 2021 and December 31, 2020. Classes in the commercial and investor real estate portfolio segments are disclosed by risk rating. Classes in the consumer portfolio segment are disclosed by current FICO scores. Refer to Note 6 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2020 for more information regarding Regions' credit quality indicators.
| June 30, 2021
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2021 | 2020 | 2019 | 2018 | 2017 | Prior
(In millions)
Commercial and industrial:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass(2) | $ | 6,383 |  | $ | 8,169 |  | $ | 5,010 |  | $ | 2,831 |  | $ | 1,984 |  | $ | 3,236 |  |  | $ | 12,961 |  |  | $ | — |  |  | $ | (90) |  |  | $ | 40,484 |
Special Mention | 29 |  | 81 |  | 163 |  | 178 |  | $ | 33 |  | $ | 61 |  |  | 507 |  |  | — |  |  | — |  |  | 1,052 |
Substandard Accrual | 53 |  | 18 |  | 56 |  | 71 |  | $ | 38 |  | $ | 7 |  |  | 377 |  |  | — |  |  | — |  |  | 620 |
Non-accrual | 66 |  | 47 |  | 59 |  | 88 |  | $ | 10 |  | $ | 19 |  |  | 183 |  |  | — |  |  | — |  |  | 472 |
Total commercial and industrial | $ | 6,531 |  | $ | 8,315 |  | $ | 5,288 |  | $ | 3,168 |  | $ | 2,065 |  | $ | 3,323 |  |  | $ | 14,028 |  |  | $ | — |  |  | $ | (90) |  |  | $ | 42,628 |
Commercial real estate mortgage—owner-occupied:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 655 |  | $ | 1,249 |  | $ | 830 |  | $ | 792 |  | $ | 477 |  | $ | 945 |  |  | $ | 134 |  |  | $ | — |  |  | $ | (4) |  |  | $ | 5,078 |
Special Mention | 3 |  | 51 |  | 18 |  | 24 |  | 7 |  | 47 |  |  | 1 |  |  | — |  |  | — |  |  | 151 |
Substandard Accrual | 1 |  | 5 |  | 38 |  | 10 |  | 9 |  | 12 |  |  | 1 |  |  | — |  |  | — |  |  | 76 |
Non-accrual | 2 |  | 8 |  | 15 |  | 16 |  | 21 |  | 13 |  |  | 1 |  |  | — |  |  | — |  |  | 76 |
Total commercial real estate mortgage—owner-occupied: | $ | 661 |  | $ | 1,313 |  | $ | 901 |  | $ | 842 |  | $ | 514 |  | $ | 1,017 |  |  | $ | 137 |  |  | $ | — |  |  | $ | (4) |  |  | $ | 5,381 |
Commercial real estate construction—owner-occupied:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 18 |  | $ | 64 |  | $ | 34 |  | $ | 37 |  | $ | 21 |  | $ | 50 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 225 |
Special Mention | — |  | — |  | — |  | — |  | 2 |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Substandard Accrual | — |  | — |  | — |  | — |  | 2 |  | 6 |  |  | — |  |  | — |  |  | — |  |  | 8 |
Non-accrual | 1 |  | 1 |  | — |  | — |  | 1 |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 10 |
Total commercial real estate construction—owner-occupied: | $ | 19 |  | $ | 65 |  | $ | 34 |  | $ | 37 |  | $ | 26 |  | $ | 63 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 245 |
Total commercial | $ | 7,211 |  | $ | 9,693 |  | $ | 6,223 |  | $ | 4,047 |  | $ | 2,605 |  | $ | 4,403 |  |  | $ | 14,166 |  |  | $ | — |  |  | $ | (94) |  |  | $ | 48,254 |
Commercial investor real estate mortgage:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 883 |  | $ | 1,061 |  | $ | 1,169 |  | $ | 998 |  | $ | 236 |  | $ | 132 |  |  | $ | 276 |  |  | $ | — |  |  | $ | (5) |  |  | $ | 4,750 |
Special Mention | 24 |  | 82 |  | 190 |  | 2 |  | 15 |  | 10 |  |  | — |  |  | — |  |  | — |  |  | 323 |
Substandard Accrual | 40 |  | 69 |  | 176 |  | 57 |  | 15 |  | 8 |  |  | 7 |  |  | — |  |  | — |  |  | 372 |
Non-accrual | — |  | — |  | — |  | 1 |  | — |  | 3 |  |  | — |  |  | — |  |  | — |  |  | 4 |
Total commercial investor real estate mortgage | $ | 947 |  | $ | 1,212 |  | $ | 1,535 |  | $ | 1,058 |  | $ | 266 |  | $ | 153 |  |  | $ | 283 |  |  | $ | — |  |  | $ | (5) |  |  | $ | 5,449 |
| June 30, 2021
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2021 | 2020 | 2019 | 2018 | 2017 | Prior
(In millions)
Commercial investor real estate construction:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 116 |  | $ | 285 |  | $ | 516 |  | $ | 151 |  | $ | 1 |  | $ | 2 |  |  | $ | 682 |  |  | $ | — |  |  | $ | (10) |  |  | $ | 1,743 |
Special Mention | — |  | 1 |  | 55 |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | 56 |
Substandard Accrual | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-accrual | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial investor real estate construction | $ | 116 |  | $ | 286 |  | $ | 571 |  | $ | 151 |  | $ | 1 |  | $ | 2 |  |  | $ | 682 |  |  | $ | — |  |  | $ | (10) |  |  | $ | 1,799 |
Total investor real estate | $ | 1,063 |  | $ | 1,498 |  | $ | 2,106 |  | $ | 1,209 |  | $ | 267 |  | $ | 155 |  |  | $ | 965 |  |  | $ | — |  |  | $ | (15) |  |  | $ | 7,248 |
Residential first mortgage:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 2,080 |  | $ | 5,577 |  | $ | 1,396 |  | $ | 583 |  | $ | 780 |  | $ | 3,201 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 13,617 |
681-720 | 251 |  | 440 |  | 141 |  | 79 |  | 86 |  | 408 |  |  | — |  |  | — |  |  | — |  |  | 1,405 |
620-680 | 101 |  | 179 |  | 90 |  | 64 |  | 55 |  | 438 |  |  | — |  |  | — |  |  | — |  |  | 927 |
Below 620 | 15 |  | 40 |  | 46 |  | 48 |  | 50 |  | 488 |  |  | — |  |  | — |  |  | — |  |  | 687 |
Data not available | 29 |  | 52 |  | 24 |  | 9 |  | 12 |  | 125 |  |  | 10 |  |  | — |  |  | 154 |  |  | 415 |
Total residential first mortgage | $ | 2,476 |  | $ | 6,288 |  | $ | 1,697 |  | $ | 783 |  | $ | 983 |  | $ | 4,660 |  |  | $ | 10 |  |  | $ | — |  |  | $ | 154 |  |  | $ | 17,051 |
Home equity lines:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 2,984 |  |  | $ | 49 |  |  | $ | — |  |  | $ | 3,033 |
681-720 | — |  | — |  | — |  | — |  | — |  | — |  |  | 425 |  |  | 10 |  |  | — |  |  | 435 |
620-680 | — |  | — |  | — |  | — |  | — |  | — |  |  | 283 |  |  | 13 |  |  | — |  |  | 296 |
Below 620 | — |  | — |  | — |  | — |  | — |  | — |  |  | 152 |  |  | 8 |  |  | — |  |  | 160 |
Data not available | — |  | — |  | — |  | — |  | — |  | — |  |  | 101 |  |  | 3 |  |  | 29 |  |  | 133 |
Total home equity lines | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 3,945 |  |  | $ | 83 |  |  | $ | 29 |  |  | $ | 4,057 |
Home equity loans
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 290 |  | $ | 376 |  | $ | 197 |  | $ | 184 |  | $ | 264 |  | $ | 722 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,033 |
681-720 | 42 |  | 44 |  | 31 |  | 25 |  | 31 |  | 90 |  |  | — |  |  | — |  |  | — |  |  | 263 |
620-680 | 14 |  | 17 |  | 15 |  | 15 |  | 19 |  | 76 |  |  | — |  |  | — |  |  | — |  |  | 156 |
Below 620 | 2 |  | 2 |  | 6 |  | 8 |  | 12 |  | 54 |  |  | — |  |  | — |  |  | — |  |  | 84 |
Data not available | — |  | 2 |  | 2 |  | 3 |  | 4 |  | 22 |  |  | — |  |  | — |  |  | 19 |  |  | 52 |
Total home equity loans | $ | 348 |  | $ | 441 |  | $ | 251 |  | $ | 235 |  | $ | 330 |  | $ | 964 |  |  | $ | — |  |  | $ | — |  |  | $ | 19 |  |  | $ | 2,588 |
Indirect—vehicles:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | — |  | $ | 13 |  | $ | 225 |  | $ | 94 |  | $ | 67 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 399 |
681-720 | — |  | — |  | 3 |  | 36 |  | 15 |  | 12 |  |  | — |  |  | — |  |  | — |  |  | 66 |
620-680 | — |  | — |  | 3 |  | 31 |  | 16 |  | 15 |  |  | — |  |  | — |  |  | — |  |  | 65 |
Below 620 | — |  | — |  | 3 |  | 29 |  | 18 |  | 19 |  |  | — |  |  | — |  |  | — |  |  | 69 |
Data not available | — |  | — |  | — |  | 3 |  | 4 |  | 4 |  |  | — |  |  | — |  |  | 11 |  |  | 22 |
Total indirect- vehicles | $ | — |  | $ | — |  | $ | 22 |  | $ | 324 |  | $ | 147 |  | $ | 117 |  |  | $ | — |  |  | $ | — |  |  | $ | 11 |  |  | $ | 621 |
| June 30, 2021
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2021 | 2020 | 2019 | 2018 | 2017 | Prior
(In millions)
Indirect—other consumer:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 99 |  | $ | 393 |  | $ | 518 |  | $ | 305 |  | $ | 110 |  | $ | 69 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,494 |
681-720 | 15 |  | 61 |  | 127 |  | 84 |  | 32 |  | 19 |  |  | — |  |  | — |  |  | — |  |  | 338 |
620-680 | 2 |  | 14 |  | 56 |  | 45 |  | 19 |  | 13 |  |  | — |  |  | — |  |  | — |  |  | 149 |
Below 620 | — |  | 2 |  | 15 |  | 15 |  | 6 |  | 5 |  |  | — |  |  | — |  |  | — |  |  | 43 |
Data not available | — |  | — |  | 3 |  | 3 |  | 2 |  | 1 |  |  | — |  |  | — |  |  | 124 |  |  | 133 |
Total indirect- other consumer | $ | 116 |  | $ | 470 |  | $ | 719 |  | $ | 452 |  | $ | 169 |  | $ | 107 |  |  | $ | — |  |  | $ | — |  |  | $ | 124 |  |  | $ | 2,157 |
Consumer credit card:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 642 |  |  | $ | — |  |  | $ | — |  |  | $ | 642 |
681-720 | — |  | — |  | — |  | — |  | — |  | — |  |  | 235 |  |  | — |  |  | — |  |  | 235 |
620-680 | — |  | — |  | — |  | — |  | — |  | — |  |  | 186 |  |  | — |  |  | — |  |  | 186 |
Below 620 | — |  | — |  | — |  | — |  | — |  | — |  |  | 74 |  |  | — |  |  | — |  |  | 74 |
Data not available | — |  | — |  | — |  | — |  | — |  | — |  |  | 8 |  |  | — |  |  | (14) |  |  | (6) |
Total consumer credit card | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 1,145 |  |  | $ | — |  |  | $ | (14) |  |  | $ | 1,131 |
Other consumer:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 120 |  | $ | 156 |  | $ | 112 |  | $ | 53 |  | $ | 16 |  | $ | 5 |  |  | $ | 113 |  |  | $ | — |  |  | $ | — |  |  | $ | 575 |
681-720 | 39 |  | 42 |  | 28 |  | 11 |  | 2 |  | 1 |  |  | 52 |  |  | — |  |  | — |  |  | 175 |
620-680 | 23 |  | 25 |  | 17 |  | 7 |  | 2 |  | 1 |  |  | 36 |  |  | — |  |  | — |  |  | 111 |
Below 620 | 6 |  | 8 |  | 7 |  | 3 |  | 1 |  | 1 |  |  | 16 |  |  | — |  |  | — |  |  | 42 |
Data not available | 59 |  | — |  | — |  | — |  | — |  | — |  |  | 3 |  |  | — |  |  | 2 |  |  | 64 |
Total other consumer | $ | 247 |  | $ | 231 |  | $ | 164 |  | $ | 74 |  | $ | 21 |  | $ | 8 |  |  | $ | 220 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 967 |
Total consumer loans | $ | 3,187 |  | $ | 7,430 |  | $ | 2,853 |  | $ | 1,868 |  | $ | 1,650 |  | $ | 5,856 |  |  | $ | 5,320 |  |  | $ | 83 |  |  | $ | 325 |  |  | $ | 28,572 |
Total Loans | $ | 11,461 |  | $ | 18,621 |  | $ | 11,182 |  | $ | 7,124 |  | $ | 4,522 |  | $ | 10,414 |  |  | $ | 20,451 |  |  | $ | 83 |  |  | $ | 216 |  |  | $ | 84,074 |
| December 31, 2020
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2020 | 2019 | 2018 | 2017 | 2016 | Prior
(In millions)
Commercial and industrial:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass(2) | $ | 12,260 |  | $ | 6,115 |  | $ | 3,550 |  | $ | 2,413 |  | $ | 1,166 |  | $ | 2,493 |  |  | $ | 12,138 |  |  | $ | — |  |  | $ | (39) |  |  | $ | 40,096 |
Special Mention | 133 |  | 250 |  | 376 |  | 84 |  | 5 |  | 48 |  |  | 722 |  |  | — |  |  | — |  |  | 1,618 |
Substandard Accrual | 41 |  | 50 |  | 78 |  | 55 |  | 20 |  | 4 |  |  | 490 |  |  | — |  |  | — |  |  | 738 |
Non-accrual | 42 |  | 59 |  | 97 |  | 20 |  | 23 |  | 19 |  |  | 158 |  |  | — |  |  | — |  |  | 418 |
Total commercial and industrial | $ | 12,476 |  | $ | 6,474 |  | $ | 4,101 |  | $ | 2,572 |  | $ | 1,214 |  | $ | 2,564 |  |  | $ | 13,508 |  |  | $ | — |  |  | $ | (39) |  |  | $ | 42,870 |
| December 31, 2020
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2020 | 2019 | 2018 | 2017 | 2016 | Prior
(In millions)
Commercial real estate mortgage—owner-occupied:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,379 |  | $ | 882 |  | $ | 913 |  | $ | 547 |  | $ | 401 |  | $ | 801 |  |  | $ | 140 |  |  | $ | — |  |  | $ | (3) |  |  | $ | 5,060 |
Special Mention | 18 |  | 31 |  | 23 |  | 22 |  | 10 |  | 44 |  |  | 6 |  |  | — |  |  | — |  |  | 154 |
Substandard Accrual | 3 |  | 38 |  | 16 |  | 16 |  | 4 |  | 15 |  |  | 2 |  |  | — |  |  | — |  |  | 94 |
Non-accrual | 14 |  | 23 |  | 19 |  | 21 |  | 6 |  | 14 |  |  | — |  |  | — |  |  | — |  |  | 97 |
Total commercial real estate mortgage—owner-occupied: | $ | 1,414 |  | $ | 974 |  | $ | 971 |  | $ | 606 |  | $ | 421 |  | $ | 874 |  |  | $ | 148 |  |  | $ | — |  |  | $ | (3) |  |  | $ | 5,405 |
Commercial real estate construction—owner-occupied:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 61 |  | $ | 75 |  | $ | 39 |  | $ | 24 |  | $ | 24 |  | $ | 40 |  |  | $ | 9 |  |  | $ | — |  |  | $ | — |  |  | $ | 272 |
Special Mention | 1 |  | — |  | — |  | 2 |  | 2 |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |
Substandard Accrual | — |  | 3 |  | 1 |  | 3 |  | 4 |  | 3 |  |  | — |  |  | — |  |  | — |  |  | 14 |
Non-accrual | — |  | — |  | — |  | 1 |  | — |  | 8 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Total commercial real estate construction—owner-occupied: | $ | 62 |  | $ | 78 |  | $ | 40 |  | $ | 30 |  | $ | 30 |  | $ | 51 |  |  | $ | 9 |  |  | $ | — |  |  | $ | — |  |  | $ | 300 |
Total commercial | $ | 13,952 |  | $ | 7,526 |  | $ | 5,112 |  | $ | 3,208 |  | $ | 1,665 |  | $ | 3,489 |  |  | $ | 13,665 |  |  | $ | — |  |  | $ | (42) |  |  | $ | 48,575 |
Commercial investor real estate mortgage:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,663 |  | $ | 1,243 |  | $ | 1,137 |  | $ | 252 |  | $ | 65 |  | $ | 162 |  |  | $ | 332 |  |  | $ | — |  |  | $ | (5) |  |  | $ | 4,849 |
Special Mention | 5 |  | 77 |  | 76 |  | 15 |  | — |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 180 |
Substandard Accrual | 69 |  | 114 |  | 57 |  | — |  | 2 |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 251 |
Non-accrual | — |  | 44 |  | 1 |  | — |  | — |  | 1 |  |  | 68 |  |  | — |  |  | — |  |  | 114 |
Total commercial investor real estate mortgage | $ | 1,737 |  | $ | 1,478 |  | $ | 1,271 |  | $ | 267 |  | $ | 67 |  | $ | 179 |  |  | $ | 400 |  |  | $ | — |  |  | $ | (5) |  |  | $ | 5,394 |
Commercial investor real estate construction:
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 224 |  | $ | 601 |  | $ | 266 |  | $ | 1 |  | $ | — |  | $ | 1 |  |  | $ | 679 |  |  | $ | — |  |  | $ | (11) |  |  | $ | 1,761 |
Special Mention | 30 |  | 36 |  | 31 |  | — |  | — |  | — |  |  | 9 |  |  | — |  |  | — |  |  | 106 |
Substandard Accrual | 1 |  | 1 |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Non-accrual | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial investor real estate construction | $ | 255 |  | $ | 638 |  | $ | 297 |  | $ | 1 |  | $ | — |  | $ | 1 |  |  | $ | 688 |  |  | $ | — |  |  | $ | (11) |  |  | $ | 1,869 |
Total investor real estate | $ | 1,992 |  | $ | 2,116 |  | $ | 1,568 |  | $ | 268 |  | $ | 67 |  | $ | 180 |  |  | $ | 1,088 |  |  | $ | — |  |  | $ | (16) |  |  | $ | 7,263 |
Residential first mortgage:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 5,564 |  | $ | 1,738 |  | $ | 809 |  | $ | 1,023 |  | $ | 1,279 |  | $ | 2,709 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 13,122 |
681-720 | 525 |  | 189 |  | 103 |  | 112 |  | 113 |  | 360 |  |  | — |  |  | — |  |  | — |  |  | 1,402 |
620-680 | 211 |  | 100 |  | 73 |  | 64 |  | 67 |  | 404 |  |  | — |  |  | — |  |  | — |  |  | 919 |
Below 620 | 31 |  | 44 |  | 50 |  | 51 |  | 60 |  | 499 |  |  | — |  |  | — |  |  | — |  |  | 735 |
Data not available | 52 |  | 23 |  | 13 |  | 16 |  | 15 |  | 126 |  |  | 10 |  |  | — |  |  | 142 |  |  | 397 |
Total residential first mortgage | $ | 6,383 |  | $ | 2,094 |  | $ | 1,048 |  | $ | 1,266 |  | $ | 1,534 |  | $ | 4,098 |  |  | $ | 10 |  |  | $ | — |  |  | $ | 142 |  |  | $ | 16,575 |
| December 31, 2020
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2020 | 2019 | 2018 | 2017 | 2016 | Prior
(In millions)
Home equity lines:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 3,334 |  |  | $ | 45 |  |  | $ | — |  |  | $ | 3,379 |
681-720 | — |  | — |  | — |  | — |  | — |  | — |  |  | 492 |  |  | 10 |  |  | — |  |  | 502 |
620-680 | — |  | — |  | — |  | — |  | — |  | — |  |  | 319 |  |  | 11 |  |  | — |  |  | 330 |
Below 620 | — |  | — |  | — |  | — |  | — |  | — |  |  | 181 |  |  | 7 |  |  | — |  |  | 188 |
Data not available | — |  | — |  | — |  | — |  | — |  | — |  |  | 107 |  |  | 3 |  |  | 30 |  |  | 140 |
Total home equity lines | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 4,433 |  |  | $ | 76 |  |  | $ | 30 |  |  | $ | 4,539 |
Home equity loans
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 417 |  | $ | 251 |  | $ | 233 |  | $ | 325 |  | $ | 304 |  | $ | 580 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,110 |
681-720 | 57 |  | 40 |  | 35 |  | 39 |  | 37 |  | 76 |  |  | — |  |  | — |  |  | — |  |  | 284 |
620-680 | 21 |  | 17 |  | 19 |  | 22 |  | 25 |  | 65 |  |  | — |  |  | — |  |  | — |  |  | 169 |
Below 620 | 2 |  | 7 |  | 9 |  | 13 |  | 15 |  | 52 |  |  | — |  |  | — |  |  | — |  |  | 98 |
Data not available | 1 |  | 2 |  | 2 |  | 4 |  | 5 |  | 17 |  |  | — |  |  | — |  |  | 21 |  |  | 52 |
Total home equity loans | $ | 498 |  | $ | 317 |  | $ | 298 |  | $ | 403 |  | $ | 386 |  | $ | 790 |  |  | $ | — |  |  | $ | — |  |  | $ | 21 |  |  | $ | 2,713 |
Indirect—vehicles:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | 18 |  | $ | 305 |  | $ | 137 |  | $ | 92 |  | $ | 40 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 592 |
681-720 | — |  | 5 |  | 50 |  | 22 |  | 16 |  | 8 |  |  | — |  |  | — |  |  | — |  |  | 101 |
620-680 | — |  | 4 |  | 44 |  | 23 |  | 18 |  | 8 |  |  | — |  |  | — |  |  | — |  |  | 97 |
Below 620 | — |  | 3 |  | 42 |  | 26 |  | 24 |  | 14 |  |  | — |  |  | — |  |  | — |  |  | 109 |
Data not available | — |  | — |  | 4 |  | 6 |  | 4 |  | 4 |  |  | — |  |  | — |  |  | 17 |  |  | 35 |
Total indirect- vehicles | $ | — |  | $ | 30 |  | $ | 445 |  | $ | 214 |  | $ | 154 |  | $ | 74 |  |  | $ | — |  |  | $ | — |  |  | $ | 17 |  |  | $ | 934 |
Indirect—other consumer:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 297 |  | $ | 721 |  | $ | 392 |  | $ | 138 |  | $ | 60 |  | $ | 31 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,639 |
681-720 | 39 |  | 173 |  | 116 |  | 41 |  | 18 |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 396 |
620-680 | 9 |  | 73 |  | 63 |  | 27 |  | 12 |  | 6 |  |  | — |  |  | — |  |  | — |  |  | 190 |
Below 620 | 1 |  | 22 |  | 22 |  | 9 |  | 5 |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 61 |
Data not available | — |  | 3 |  | 3 |  | 2 |  | 1 |  | 1 |  |  | — |  |  | — |  |  | 135 |  |  | 145 |
Total indirect- other consumer | $ | 346 |  | $ | 992 |  | $ | 596 |  | $ | 217 |  | $ | 96 |  | $ | 49 |  |  | $ | — |  |  | $ | — |  |  | $ | 135 |  |  | $ | 2,431 |
Consumer credit card:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 667 |  |  | $ | — |  |  | $ | — |  |  | $ | 667 |
681-720 | — |  | — |  | — |  | — |  | — |  | — |  |  | 255 |  |  | — |  |  | — |  |  | 255 |
620-680 | — |  | — |  | — |  | — |  | — |  | — |  |  | 208 |  |  | — |  |  | — |  |  | 208 |
Below 620 | — |  | — |  | — |  | — |  | — |  | — |  |  | 91 |  |  | — |  |  | — |  |  | 91 |
Data not available | — |  | — |  | — |  | — |  | — |  | — |  |  | 7 |  |  | — |  |  | (15) |  |  | (8) |
Total consumer credit card | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 1,228 |  |  | $ | — |  |  | $ | (15) |  |  | $ | 1,213 |
| December 31, 2020
Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Amortizing |  | Unallocated (1) |  | Total
Origination Year
2020 | 2019 | 2018 | 2017 | 2016 | Prior
(In millions)
Other consumer:
FICO scores |  |  |  |  |  |  |  |  |  |  |  |  |  |
Above 720 | $ | 209 |  | $ | 163 |  | $ | 84 |  | $ | 30 |  | $ | 7 |  | $ | 3 |  |  | $ | 117 |  |  | $ | — |  |  | $ | — |  |  | $ | 613 |
681-720 | 61 |  | 44 |  | 20 |  | 5 |  | 1 |  | 1 |  |  | 52 |  |  | — |  |  | — |  |  | 184 |
620-680 | 34 |  | 28 |  | 13 |  | 4 |  | 1 |  | 1 |  |  | 42 |  |  | — |  |  | — |  |  | 123 |
Below 620 | 11 |  | 11 |  | 6 |  | 3 |  | 1 |  | — |  |  | 19 |  |  | — |  |  | — |  |  | 51 |
Data not available | 46 |  | 1 |  | — |  | — |  | — |  | — |  |  | 3 |  |  | — |  |  | 2 |  |  | 52 |
Total other consumer | $ | 361 |  | $ | 247 |  | $ | 123 |  | $ | 42 |  | $ | 10 |  | $ | 5 |  |  | $ | 233 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 1,023 |
Total consumer loans | $ | 7,588 |  | $ | 3,680 |  | $ | 2,510 |  | $ | 2,142 |  | $ | 2,180 |  | $ | 5,016 |  |  | $ | 5,904 |  |  | $ | 76 |  |  | $ | 332 |  |  | $ | 29,428 |
Total Loans | $ | 23,532 |  | $ | 13,322 |  | $ | 9,190 |  | $ | 5,618 |  | $ | 3,912 |  | $ | 8,685 |  |  | $ | 20,657 |  |  | $ | 76 |  |  | $ | 274 |  |  | $ | 85,266 |
_________ (1)These amounts consist of fees that are not allocated at the loan level and loans serviced by third parties wherein Regions does not receive FICO or vintage information. (2)Commercial and industrial lending includes PPP lending in the 2020 and 2021 vintage years. AGING AND NON-ACCRUAL ANALYSIS The following tables include an aging analysis of DPD and loans on non-accrual status for each portfolio segment and class as of June 30, 2021 and December 31, 2020. Loans on non-accrual status with no related allowance included $203 million and $112 million of commercial and industrial loans as of June 30, 2021 and December 31, 2020, respectively. Non–accrual loans with no related allowance typically include loans where the underlying collateral is deemed sufficient to recover all remaining principal. Loans that have been fully charged-off do not appear in the tables below.
| June 30, 2021
| Accrual Loans |  |  |  |  |  |
| 30-59 DPD |  | 60-89 DPD |  | 90+ DPD |  | Total 30+ DPD |  | Total Accrual |  | Non-accrual |  | Total
| (In millions)
Commercial and industrial | $ | 24 |  |  | $ | 11 |  |  | $ | 4 |  |  | $ | 39 |  |  | $ | 42,156 |  |  | $ | 472 |  |  | $ | 42,628 |
Commercial real estate mortgage—owner-occupied | 5 |  |  | 2 |  |  | 2 |  |  | 9 |  |  | 5,305 |  |  | 76 |  |  | 5,381 |
Commercial real estate construction—owner-occupied | — |  |  | — |  |  | — |  |  | — |  |  | 235 |  |  | 10 |  |  | 245 |
Total commercial | 29 |  |  | 13 |  |  | 6 |  |  | 48 |  |  | 47,696 |  |  | 558 |  |  | 48,254 |
Commercial investor real estate mortgage | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 5,445 |  |  | 4 |  |  | 5,449 |
Commercial investor real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | 1,799 |  |  | — |  |  | 1,799 |
Total investor real estate | 4 |  |  | — |  |  | — |  |  | 4 |  |  | 7,244 |  |  | 4 |  |  | 7,248 |
Residential first mortgage | 67 |  |  | 30 |  |  | 119 |  |  | 216 |  |  | 17,000 |  |  | 51 |  |  | 17,051 |
Home equity lines | 12 |  |  | 6 |  |  | 21 |  |  | 39 |  |  | 4,012 |  |  | 45 |  |  | 4,057 |
Home equity loans | 7 |  |  | 3 |  |  | 13 |  |  | 23 |  |  | 2,580 |  |  | 8 |  |  | 2,588 |
Indirect—vehicles | 7 |  |  | 2 |  |  | 2 |  |  | 11 |  |  | 621 |  |  | — |  |  | 621 |
Indirect—other consumer | 7 |  |  | 5 |  |  | 3 |  |  | 15 |  |  | 2,157 |  |  | — |  |  | 2,157 |
Consumer credit card | 6 |  |  | 5 |  |  | 12 |  |  | 23 |  |  | 1,131 |  |  | — |  |  | 1,131 |
Other consumer | 8 |  |  | 2 |  |  | 2 |  |  | 12 |  |  | 967 |  |  | — |  |  | 967 |
Total consumer | 114 |  |  | 53 |  |  | 172 |  |  | 339 |  |  | 28,468 |  |  | 104 |  |  | 28,572 |
| $ | 147 |  |  | $ | 66 |  |  | $ | 178 |  |  | $ | 391 |  |  | $ | 83,408 |  |  | $ | 666 |  |  | $ | 84,074 |
| December 31, 2020
| Accrual Loans |  |  |  |  |  |
| 30-59 DPD |  | 60-89 DPD |  | 90+ DPD |  | Total 30+ DPD |  | Total Accrual |  | Non-accrual |  | Total
| (In millions)
Commercial and industrial | $ | 37 |  |  | $ | 22 |  |  | $ | 7 |  |  | $ | 66 |  |  | $ | 42,452 |  |  | $ | 418 |  |  | $ | 42,870 |
Commercial real estate mortgage—owner-occupied | 4 |  |  | 1 |  |  | 1 |  |  | 6 |  |  | 5,308 |  |  | 97 |  |  | 5,405 |
Commercial real estate construction—owner-occupied | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 291 |  |  | 9 |  |  | 300 |
Total commercial | 42 |  |  | 23 |  |  | 8 |  |  | 73 |  |  | 48,051 |  |  | 524 |  |  | 48,575 |
Commercial investor real estate mortgage | 3 |  |  | — |  |  | — |  |  | 3 |  |  | 5,280 |  |  | 114 |  |  | 5,394 |
Commercial investor real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | 1,869 |  |  | — |  |  | 1,869 |
Total investor real estate | 3 |  |  | — |  |  | — |  |  | 3 |  |  | 7,149 |  |  | 114 |  |  | 7,263 |
Residential first mortgage | 104 |  |  | 41 |  |  | 156 |  |  | 301 |  |  | 16,522 |  |  | 53 |  |  | 16,575 |
Home equity lines | 24 |  |  | 11 |  |  | 19 |  |  | 54 |  |  | 4,493 |  |  | 46 |  |  | 4,539 |
Home equity loans | 10 |  |  | 7 |  |  | 13 |  |  | 30 |  |  | 2,705 |  |  | 8 |  |  | 2,713 |
Indirect—vehicles | 15 |  |  | 4 |  |  | 4 |  |  | 23 |  |  | 934 |  |  | — |  |  | 934 |
Indirect—other consumer | 12 |  |  | 8 |  |  | 5 |  |  | 25 |  |  | 2,431 |  |  | — |  |  | 2,431 |
Consumer credit card | 8 |  |  | 6 |  |  | 14 |  |  | 28 |  |  | 1,213 |  |  | — |  |  | 1,213 |
Other consumer | 12 |  |  | 3 |  |  | 2 |  |  | 17 |  |  | 1,023 |  |  | — |  |  | 1,023 |
Total consumer | 185 |  |  | 80 |  |  | 213 |  |  | 478 |  |  | 29,321 |  |  | 107 |  |  | 29,428 |
| $ | 230 |  |  | $ | 103 |  |  | $ | 221 |  |  | $ | 554 |  |  | $ | 84,521 |  |  | $ | 745 |  |  | $ | 85,266 |
TROUBLED DEBT RESTRUCTURINGS Regions regularly modifies commercial and investor real estate loans in order to facilitate a workout strategy. Similarly, Regions works to meet the individual needs of consumer borrowers to stem foreclosure through its CAP. Refer to Note 1 "Summary of Significant Accounting Policies" and Note 6 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2020 for additional information regarding the Company's TDRs, including their impact on the allowance and designation of TDRs in periods subsequent to the modification. As provided in the Consolidated Appropriations Act passed into law on December 27, 2020, which extended initial guidance provided in the CARES Act, certain loan modifications related to the COVID-19 pandemic beginning March 1, 2020 through the earlier of 60 days after the end of the pandemic or January 1, 2022 are eligible for relief from TDR classification. Regions elected this provision; therefore, modified loans that met the required guidelines for relief are not considered TDRs and are excluded from the disclosures below. The Consolidated Appropriations Act relief and short-term nature of most COVID-19 deferrals precluded the majority of Regions' COVID-19 loan modifications from being classified as TDRs as of June 30, 2021 and December 31, 2020. The following tables present the end of period balance for loans modified in a TDR during the periods presented by portfolio segment and class, and the financial impact of those modifications. The tables include modifications made to new TDRs, as well as renewals of existing TDRs.
| Three Months Ended June 30, 2021
|  |  |  |  | Financial Impact of Modifications Considered TDRs
| Number of Obligors |  | Recorded Investment |  | Increase in Allowance at Modification
| (Dollars in millions)
Commercial and industrial | 15 |  |  | $ | 20 |  |  | $ | — |
Commercial real estate mortgage—owner-occupied | 8 |  |  | 2 |  |  | — |
Commercial real estate construction—owner-occupied | 1 |  |  | 1 |  |  | — |
Total commercial | 24 |  |  | 23 |  |  | — |
Commercial investor real estate mortgage | 4 |  |  | 69 |  |  | — |
Commercial investor real estate construction | — |  |  | — |  |  | — |
Total investor real estate | 4 |  |  | 69 |  |  | — |
Residential first mortgage | 161 |  |  | 26 |  |  | 2 |
Home equity lines | 3 |  |  | 1 |  |  | — |
Home equity loans | 6 |  |  | 1 |  |  | — |
Consumer credit card | — |  |  | — |  |  | — |
Indirect—vehicles and other consumer | 4 |  |  | — |  |  | — |
Total consumer | 174 |  |  | 28 |  |  | 2 |
| 202 |  |  | $ | 120 |  |  | $ | 2 |
| Three Months Ended June 30, 2020
|  |  |  |  | Financial Impact of Modifications Considered TDRs
| Number of Obligors |  | Recorded Investment |  | Increase in Allowance at Modification
| (Dollars in millions)
Commercial and industrial | 67 |  |  | $ | 120 |  |  | $ | — |
Commercial real estate mortgage—owner-occupied | 5 |  |  | 3 |  |  | — |
Commercial real estate construction—owner-occupied | — |  |  | — |  |  | — |
Total commercial | 72 |  |  | 123 |  |  | — |
Commercial investor real estate mortgage | 3 |  |  | — |  |  | — |
Commercial investor real estate construction | — |  |  | — |  |  | — |
Total investor real estate | 3 |  |  | — |  |  | — |
Residential first mortgage | 31 |  |  | 4 |  |  | 1 |
Home equity lines | — |  |  | — |  |  | — |
Home equity loans | 12 |  |  | 1 |  |  | — |
Consumer credit card | 1 |  |  | — |  |  | — |
Indirect—vehicles and other consumer | 1 |  |  | — |  |  | — |
Total consumer | 45 |  |  | 5 |  |  | 1 |
| 120 |  |  | $ | 128 |  |  | $ | 1 |
| Six Months Ended June 30, 2021
|  |  |  |  | Financial Impact of Modifications Considered TDRs
| Number of Obligors |  | Recorded Investment |  | Increase in Allowance at Modification
| (Dollars in millions)
Commercial and industrial | 41 |  |  | $ | 50 |  |  | $ | — |
Commercial real estate mortgage—owner-occupied | 14 |  |  | 3 |  |  | — |
Commercial real estate construction—owner-occupied | 1 |  |  | 1 |  |  | — |
Total commercial | 56 |  |  | 54 |  |  | — |
Commercial investor real estate mortgage | 6 |  |  | 76 |  |  | — |
Commercial investor real estate construction | — |  |  | — |  |  | — |
Total investor real estate | 6 |  |  | 76 |  |  | — |
Residential first mortgage | 336 |  |  | 61 |  |  | 5 |
Home equity lines | 5 |  |  | 1 |  |  | — |
Home equity loans | 7 |  |  | 1 |  |  | — |
Consumer credit card | — |  |  | — |  |  | — |
Indirect—vehicles and other consumer | 52 |  |  | 1 |  |  | — |
Total consumer | 400 |  |  | 64 |  |  | 5 |
| 462 |  |  | $ | 194 |  |  | $ | 5 |
| Six Months Ended June 30, 2020
|  |  |  |  | Financial Impact of Modifications Considered TDRs
| Number of Obligors |  | Recorded Investment |  | Increase in Allowance at Modification
| (Dollars in millions)
Commercial and industrial | 93 |  |  | $ | 194 |  |  | $ | — |
Commercial real estate mortgage—owner-occupied | 10 |  |  | 5 |  |  | — |
Commercial real estate construction—owner-occupied | 1 |  |  | 1 |  |  | — |
Total commercial | 104 |  |  | 200 |  |  | — |
Commercial investor real estate mortgage | 7 |  |  | 1 |  |  | — |
Commercial investor real estate construction | 1 |  |  | — |  |  | — |
Total investor real estate | 8 |  |  | 1 |  |  | — |
Residential first mortgage | 83 |  |  | 11 |  |  | 2 |
Home equity lines | — |  |  | — |  |  | — |
Home equity loans | 27 |  |  | 2 |  |  | — |
Consumer credit card | 11 |  |  | — |  |  | — |
Indirect—vehicles and other consumer | 11 |  |  | — |  |  | — |
Total consumer | 132 |  |  | 13 |  |  | 2 |
| 244 |  |  | $ | 214 |  |  | $ | 2 |

X
- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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X
- References No definition available. + Details
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