XML 36 R22.htm IDEA: XBRL DOCUMENT v3.21.2

Loans and the Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2021

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

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

Analysis of the Allowance for Credit Losses by Portfolio Segment

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

Financing Receivable Credit Quality Indicators

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.

Past Due Financing Receivables

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 on Financing Receivables

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

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953682-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration