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Loans and the Allowance for Credit Losses
 9 Months Ended
Sep. 30, 2022
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:
September 30, 2022December 31, 2021
 (In millions)
Commercial and industrial$49,591 $43,758 
Commercial real estate mortgage—owner-occupied5,167 5,287 
Commercial real estate construction—owner-occupied282 264 
Total commercial55,040 49,309 
Commercial investor real estate mortgage6,295 5,441 
Commercial investor real estate construction1,824 1,586 
Total investor real estate8,119 7,027 
Residential first mortgage18,399 17,512 
Home equity lines3,521 3,744 
Home equity loans2,515 2,510 
Consumer credit card1,186 1,184 
Other consumer-exit portfolio662 1,071 
Other consumer5,269 5,427 
Total consumer31,552 31,448 
Total loans, net of unearned income$94,711 $87,784 
At September 30, 2022, $15.4 billion in net eligible loans held by Regions were pledged for potential borrowings from the FHLB. At September 30, 2022, an additional $14.1 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 $1.3 billion as of September 30, 2022, with related income of $38 million for the nine months ended September 30, 2022.
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, 2021, for a description of the methodology.
Reflected in the allowance is the impact of the sale of $1.2 billion of unsecured consumer loans at the end of the third quarter of 2022 with an associated allowance of $94 million. In conjunction with the sale, the Company recognized a $63 million fair value mark recorded through charge-offs resulting in a net provision benefit of $31 million.
ROLLFORWARD OF ALLOWANCE FOR CREDIT LOSSES
The following tables present analyses of the allowance by portfolio segment for the three and nine months ended September 30, 2022 and 2021.
 Three Months Ended September 30, 2022
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, July 1, 2022$597 $91 $737 $1,425 
Provision for (benefit from) loan losses78 8 17 103 
Loan losses:
Charge-offs(20)— (115)(135)
Recoveries13 — 12 25 
Net loan (losses) recoveries(7)— (103)(110)
Allowance for loan losses, September 30, 2022668 99 651 1,418 
Reserve for unfunded credit commitments, July 1, 202257 10 22 89 
Provision for (benefit from) unfunded credit commitments10 7 15 32 
Reserve for unfunded credit commitments, September 30, 202267 17 37 121 
Allowance for credit losses, September 30, 2022$735 $116 $688 $1,539 
 Three Months Ended September 30, 2021
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, July 1, 2021$858 $91 $648 $1,597 
Provision for (benefit from) loan losses(122)(3)(14)(139)
Loan losses:
Charge-offs(22)— (37)(59)
Recoveries16 1 12 29 
Net loan (losses) recoveries(6)1 (25)(30)
Allowance for loan losses, September 30, 2021730 89 609 1,428 
Reserve for unfunded credit commitments, July 1, 202161 13 13 87 
Provision for (benefit from) unfunded credit commitments(7)(5)(4)(16)
Reserve for unfunded credit commitments, September 30, 202154 8 9 71 
Allowance for credit losses, September 30, 2021$784 $97 $618 $1,499 
 Nine Months Ended September 30, 2022
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, January 1, 2022$682 $79 $718 $1,479 
Provision for (benefit from) loan losses15 19 99 133 
Loan losses:
Charge-offs(68)— (214)(282)
Recoveries39 1 48 88 
Net loan (losses) recoveries(29)1 (166)(194)
Allowance for loan losses, September 30, 2022668 99 651 1,418 
Reserve for unfunded credit commitments, January 1, 202258 8 29 95 
Provision for (benefit from) unfunded credit commitments9 9 8 26 
Reserve for unfunded credit commitments, September 30, 202267 17 37 121 
Allowance for credit losses, September 30, 2022$735 $116 $688 $1,539 
 Nine Months Ended September 30, 2021
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, January 1, 2021$1,196 $183 $788 $2,167 
Provision for (benefit from) loan losses(408)(78)(93)(579)
Loan losses:
Charge-offs(105)(19)(132)(256)
Recoveries47 3 46 96 
Net loan (losses) recoveries(58)(16)(86)(160)
Allowance for loan losses, September 30, 2021730 89 609 1,428 
Reserve for unfunded credit commitments, January 1, 202197 14 15 126 
Provision for (benefit from) unfunded credit commitments(43)(6)(6)(55)
Reserve for unfunded credit commitments, September 30, 202154 8 9 71 
Allowance for credit losses, September 30, 2021$784 $97 $618 $1,499 
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 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2021 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 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2021 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 September 30, 2022 and December 31, 2021. 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 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2021 for more information regarding Regions' credit quality indicators.
September 30, 2022
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Unallocated (1)
Total
Origination Year
20222021202020192018Prior
(In millions)
Commercial and industrial:
Risk Rating:
   Pass(2)
$9,606 $7,836 $3,601 $2,511 $1,240 $3,497 $19,250 $— $97 $47,638 
   Special Mention196 94 117 94 6 1 240 — — 748 
   Substandard Accrual85 80 93 64 41 16 493 — — 872 
   Non-accrual34 81 11 9 42 13 143 — — 333 
Total commercial and industrial$9,921 $8,091 $3,822 $2,678 $1,329 $3,527 $20,126 $— $97 $49,591 
Commercial real estate mortgage—owner-occupied:
Risk Rating:
   Pass$924 $1,200 $942 $534 $541 $697 $104 $— $(5)$4,937 
   Special Mention7 35 43 10 14 12 2 — — 123 
   Substandard Accrual7 13 10 35 5 7 1 — — 78 
   Non-accrual1 — 8 1 4 14 1 — — 29 
Total commercial real estate mortgage—owner-occupied:$939 $1,248 $1,003 $580 $564 $730 $108 $— $(5)$5,167 
Commercial real estate construction—owner-occupied:
Risk Rating:
   Pass$90 $78 $24 $16 $15 $41 $2 $— $— $266 
   Special Mention— — — — 5 — — — — 5 
   Substandard Accrual2 — 2 — — 1 — — — 5 
   Non-accrual— — 1 1 — 4 — — — 6 
Total commercial real estate construction—owner-occupied:$92 $78 $27 $17 $20 $46 $2 $— $— $282 
Total commercial$10,952 $9,417 $4,852 $3,275 $1,913 $4,303 $20,236 $— $92 $55,040 
Commercial investor real estate mortgage:
Risk Rating:
   Pass$2,042 $1,411 $776 $677 $294 $110 $500 $— $(7)$5,803 
   Special Mention49 — 18 18 — 5 — — — 90 
   Substandard Accrual32 27 76 138 68 2 — — — 343 
   Non-accrual— 1 — 58 — — — — — 59 
Total commercial investor real estate mortgage$2,123 $1,439 $870 $891 $362 $117 $500 $— $(7)$6,295 
Commercial investor real estate construction:
Risk Rating:
   Pass$249 $445 $187 $105 $31 $1 $741 $— $(15)$1,744 
   Special Mention39 — 23 — — — — — — 62 
   Substandard Accrual— — 18 — — — — — — 18 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$288 $445 $228 $105 $31 $1 $741 $— $(15)$1,824 
Total investor real estate$2,411 $1,884 $1,098 $996 $393 $118 $1,241 $— $(22)$8,119 
September 30, 2022
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Unallocated (1)
Total
Origination Year
20222021202020192018Prior
(In millions)
Residential first mortgage:
FICO scores:
   Above 720$1,937 $4,418 $4,868 $924 $342 $2,553 $— $— $— $15,042 
   681-720282 404 319 92 45 306 — — — 1,448 
   620-680134 192 136 49 32 299 — — — 842 
   Below 62023 80 67 52 40 393 — — — 655 
   Data not available26 44 46 19 5 97 9 — 166 412 
Total residential first mortgage$2,402 $5,138 $5,436 $1,136 $464 $3,648 $9 $— $166 $18,399 
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,634 $47 $— $2,681 
   681-720— — — — — — 365 12 — 377 
   620-680— — — — — — 213 12 — 225 
   Below 620— — — — — — 101 8 — 109 
   Data not available— — — — — — 95 4 30 129 
Total home equity lines$— $— $— $— $— $— $3,408 $83 $30 $3,521 
Home equity loans:
FICO scores:
   Above 720$376 $483 $262 $123 $113 $623 $— $— $— $1,980 
   681-72065 65 28 17 15 75 — — — 265 
   620-68026 30 12 12 9 59 — — — 148 
   Below 6203 7 3 6 7 41 — — — 67 
   Data not available1 3 3 3 3 24 — — 18 55 
Total home equity loans$471 $588 $308 $161 $147 $822 $— $— $18 $2,515 
Consumer credit card:
FICO scores:
   Above 720$— $— $— $— $— $— $678 $— $— $678 
   681-720— — — — — — 239 — — 239 
   620-680— — — — — — 195 — — 195 
   Below 620— — — — — — 83 — — 83 
   Data not available— — — — — — 9 — (18)(9)
Total consumer credit card$— $— $— $— $— $— $1,204 $— $(18)$1,186 
Other consumer—exit portfolios:
FICO scores:
   Above 720$— $— $— $114 $202 $116 $— $— $— $432 
   681-720— — — 33 46 28 — — — 107 
   620-680— — — 19 33 20 — — — 72 
   Below 620— — — 7 20 13 — — — 40 
   Data not available— — — 1 3 4 — — 3 11 
Total Other consumer—exit portfolios$— $— $— $174 $304 $181 $— $— $3 $662 
Other consumer:
FICO scores:
   Above 720$1,624 $753 $418 $235 $110 $90 $118 $— $— $3,348 
   681-720367 220 115 56 26 22 65 — — 871 
   620-680247 167 80 38 20 17 53 — — 622 
   Below 62060 69 38 21 13 10 20 — — 231 
   Data not available70 7 5 135 76 5 2 — (103)197 
Total other consumer$2,368 $1,216 $656 $485 $245 $144 $258 $— $(103)$5,269 
Total consumer loans$5,241 $6,942 $6,400 $1,956 $1,160 $4,795 $4,879 $83 $96 $31,552 
Total Loans$18,604 $18,243 $12,350 $6,227 $3,466 $9,216 $26,356 $83 $166 $94,711 
December 31, 2021
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Unallocated (1)
Total
Origination Year
20212020201920182017Prior
(In millions)
Commercial and industrial:
Risk Rating:
   Pass(2)
$11,098 $5,231 $3,711 $1,781 $1,625 $2,611 $15,794 $— $(60)$41,791 
   Special Mention54 43 177 147 25 77 383 — — 906 
   Substandard Accrual83 76 57 90 17 12 421 — — 756 
   Non-accrual70 22 45 9 11 15 133 — — 305 
Total commercial and industrial$11,305 $5,372 $3,990 $2,027 $1,678 $2,715 $16,731 $— $(60)$43,758 
Commercial real estate mortgage—owner-occupied:
Risk Rating:
   Pass$1,404 $1,095 $671 $663 $381 $724 $122 $— $(7)$5,053 
   Special Mention7 48 12 11 12 16 1 — — 107 
   Substandard Accrual3 8 34 11 6 12 1 — — 75 
   Non-accrual3 6 7 10 12 14 — — — 52 
Total commercial real estate mortgage—owner-occupied:$1,417 $1,157 $724 $695 $411 $766 $124 $— $(7)$5,287 
Commercial real estate construction—owner-occupied:
Risk Rating:
   Pass$68 $61 $24 $30 $20 $42 $1 $— $— $246 
   Special Mention— — — 2 1 2 — — — 5 
   Substandard Accrual— — — 2 — — — — — 2 
   Non-accrual1 1 — — 1 8 — — — 11 
Total commercial real estate construction—owner-occupied:$69 $62 $24 $34 $22 $52 $1 $— $— $264 
Total commercial$12,791 $6,591 $4,738 $2,756 $2,111 $3,533 $16,856 $— $(67)$49,309 
Commercial investor real estate mortgage:
Risk Rating:
   Pass$1,783 $808 $900 $580 $144 $95 $487 $— $(4)$4,793 
   Special Mention23 84 223 21 1 9 — — — 361 
   Substandard Accrual52 85 94 31 15 — 7 — — 284 
   Non-accrual— — — 1 — 2 — — — 3 
Total commercial investor real estate mortgage$1,858 $977 $1,217 $633 $160 $106 $494 $— $(4)$5,441 
Commercial investor real estate construction:
Risk Rating:
   Pass$135 $343 $404 $82 $1 $1 $593 $— $(11)$1,548 
   Special Mention— 12 26 — — — — — — 38 
   Substandard Accrual— — — — — — — — — — 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$135 $355 $430 $82 $1 $1 $593 $— $(11)$1,586 
Total investor real estate$1,993 $1,332 $1,647 $715 $161 $107 $1,087 $— $(15)$7,027 
Residential first mortgage:
FICO scores:
   Above 720$4,020 $5,280 $1,106 $426 $612 $2,601 $— $— $— $14,045 
   681-720449 366 108 57 69 353 — — — 1,402 
   620-680246 161 78 50 44 378 — — — 957 
   Below 62039 58 49 47 47 451 — — — 691 
   Data not available56 46 20 7 11 111 9 — 157 417 
Total residential first mortgage$4,810 $5,911 $1,361 $587 $783 $3,894 $9 $— $157 $17,512 
December 31, 2021
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Unallocated (1)
Total
Origination Year
20212020201920182017Prior
(In millions)
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,761 $49 $— $2,810 
   681-720— — — — — — 380 12 — 392 
   620-680— — — — — — 254 11 — 265 
   Below 620— — — — — — 132 8 — 140 
   Data not available— — — — — — 105 5 27 137 
Total home equity lines$— $— $— $— $— $— $3,632 $85 $27 $3,744 
Home equity loans:
FICO scores:
   Above 720$544 $320 $155 $144 $217 $588 $— $— $— $1,968 
   681-72082 35 26 22 23 71 — — — 259 
   620-68034 14 13 12 15 59 — — — 147 
   Below 6206 3 6 7 11 46 — — — 79 
   Data not available2 3 3 4 5 22 — — 18 57 
Total home equity loans$668 $375 $203 $189 $271 $786 $— $— $18 $2,510 
Consumer credit card:
FICO scores:
   Above 720$— $— $— $— $— $— $675 $— $— $675 
   681-720— — — — — — 240 — — 240 
   620-680— — — — — — 194 — — 194 
   Below 620— — — — — — 81 — — 81 
   Data not available— — — — — — 8 — (14)(6)
Total consumer credit card$— $— $— $— $— $— $1,198 $— $(14)$1,184 
Other consumer—exit portfolios:
FICO scores:
   Above 720$— $— $157 $318 $135 $81 $— $— $— $691 
   681-720— — 47 71 32 20 — — — 170 
   620-680— — 28 50 24 17 — — — 119 
   Below 620— — 10 31 16 13 — — — 70 
   Data not available— — 2 5 4 3 — — 7 21 
Total other consumer—exit portfolios$— $— $244 $475 $211 $134 $— $— $7 $1,071 
Other consumer:
FICO scores:
   Above 720$1,555 $844 $543 $222 $66 $76 $116 $— $— $3,422 
   681-720381 203 131 58 19 18 56 — — 866 
   620-680232 125 72 37 15 13 40 — — 534 
   Below 62066 50 33 20 8 7 17 — — 201 
   Data not available62 7 156 91 4 4 2 — 78 404 
Total other consumer$2,296 $1,229 $935 $428 $112 $118 $231 $— $78 $5,427 
Total consumer loans$7,774 $7,515 $2,743 $1,679 $1,377 $4,932 $5,070 $85 $273 $31,448 
Total Loans$22,558 $15,438 $9,128 $5,150 $3,649 $8,572 $23,013 $85 $191 $87,784 
_________
(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 2021 and 2020 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 September 30, 2022 and December 31, 2021. Loans on non-accrual status with no related allowance are comprised of commercial and investor real estate loans and totaled $254 million and $127 million as of September 30, 2022 and December 31, 2021, 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.
 September 30, 2022
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial$52 $25 $4 $81 $49,258 $333 $49,591 
Commercial real estate mortgage—owner-occupied3 2 — 5 5,138 29 5,167 
Commercial real estate construction—owner-occupied— — — — 276 6 282 
Total commercial55 27 4 86 54,672 368 55,040 
Commercial investor real estate mortgage1 — — 1 6,236 59 6,295 
Commercial investor real estate construction— — — — 1,824 — 1,824 
Total investor real estate1 — — 1 8,060 59 8,119 
Residential first mortgage89 35 76 200 18,370 29 18,399 
Home equity lines14 6 17 37 3,489 32 3,521 
Home equity loans8 3 8 19 2,508 7 2,515 
Consumer credit card11 6 13 30 1,186 — 1,186 
Other consumer—exit portfolios7 3 1 11 662 — 662 
Other consumer34 15 12 61 5,269 — 5,269 
Total consumer163 68 127 358 31,484 68 31,552 
$219 $95 $131 $445 $94,216 $495 $94,711 
 
 December 31, 2021
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial $35 $29 $5 $69 $43,453 $305 $43,758 
Commercial real estate mortgage—owner-occupied3 1 1 5 5,235 52 5,287 
Commercial real estate construction—owner-occupied— — — — 253 11 264 
Total commercial38 30 6 74 48,941 368 49,309 
Commercial investor real estate mortgage— — — — 5,438 3 5,441 
Commercial investor real estate construction— — — — 1,586 — 1,586 
Total investor real estate— — — — 7,024 3 7,027 
Residential first mortgage73 31 123 227 17,479 33 17,512 
Home equity lines15 6 21 42 3,704 40 3,744 
Home equity loans7 4 12 23 2,503 7 2,510 
Consumer credit card9 6 12 27 1,184 — 1,184 
Other consumer—exit portfolios10 4 2 16 1,071 — 1,071 
Other consumer31 15 13 59 5,427 — 5,427 
Total consumer145 66 183 394 31,368 80 31,448 
$183 $96 $189 $468 $87,333 $451 $87,784 
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 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2021 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 initially in the CARES Act and subsequently extended through the Consolidated Appropriations Act, certain loan modifications related to the COVID-19 pandemic beginning March 1, 2020 through January 1, 2022 were eligible for relief from TDR classification. Regions elected this provision of both Acts; therefore, modified loans that met the required guidelines for relief were not considered TDRs and are excluded from the 2021 disclosures below.
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 September 30, 2022
   Financial Impact
of Modifications
Considered TDRs
 Number of
Obligors		Recorded
Investment		Increase in
Allowance at
Modification
 (Dollars in millions)
Commercial and industrial16 $55 $— 
Commercial real estate mortgage—owner-occupied1 — — 
Commercial real estate construction—owner-occupied— 3 — 
Total commercial17 58 — 
Commercial investor real estate mortgage2 — — 
Commercial investor real estate construction— — — 
Total investor real estate2 — — 
Residential first mortgage118 16 1 
Home equity lines21 1 1 
Home equity loans45 3 — 
Consumer credit card— — — 
Other consumer—exit portfolios— — — 
Other consumer— — — 
Total consumer184 20 2 
203 $78 $2 
 Three Months Ended September 30, 2021
   Financial Impact
of Modifications
Considered TDRs
 Number of
Obligors		Recorded
Investment		Increase in
Allowance at
Modification
 (Dollars in millions)
Commercial and industrial18 $24 $— 
Commercial real estate mortgage—owner-occupied10 4 — 
Commercial real estate construction—owner-occupied1 1 — 
Total commercial29 29 — 
Commercial investor real estate mortgage1 1 — 
Commercial investor real estate construction— — — 
Total investor real estate1 1 — 
Residential first mortgage99 16 2 
Home equity lines1 — — 
Home equity loans33 3 — 
Consumer credit card1 — — 
Other consumer—exit portfolios— — — 
Other consumer16 1 — 
Total consumer150 20 2 
180 $50 $2 
 Nine Months Ended September 30, 2022
   Financial Impact
of Modifications
Considered TDRs
 Number of
Obligors		Recorded
Investment		Increase in
Allowance at
Modification
 (Dollars in millions)
Commercial and industrial36 $115 $— 
Commercial real estate mortgage—owner-occupied10 3 — 
Commercial real estate construction—owner-occupied— 3 — 
Total commercial46 121 — 
Commercial investor real estate mortgage4 35 — 
Commercial investor real estate construction— — — 
Total investor real estate4 35 — 
Residential first mortgage843 116 5 
Home equity lines75 5 3 
Home equity loans155 11 — 
Consumer credit card2 — — 
Other consumer—exit portfolios— — — 
Other consumer4 — — 
Total consumer1,079 132 8 
1,129 $288 $8 
 Nine Months Ended September 30, 2021
   Financial Impact
of Modifications
Considered TDRs
 Number of
Obligors		Recorded
Investment		Increase in
Allowance at
Modification
 (Dollars in millions)
Commercial and industrial59 $74 $— 
Commercial real estate mortgage—owner-occupied24 7 — 
Commercial real estate construction—owner-occupied2 2 — 
Total commercial85 83 — 
Commercial investor real estate mortgage7 77 — 
Commercial investor real estate construction— — — 
Total investor real estate7 77 — 
Residential first mortgage435 77 7 
Home equity lines6 1 — 
Home equity loans40 4 — 
Consumer credit card1 — — 
Other consumer—exit portfolios— — — 
Other consumer68 2 — 
Total consumer550 84 7 
642 $244 $7