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Loans and Leases (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Schedule of Loans by Class | Leases in the following tables include finance leases, but exclude operating lease equipment. Loans by Class
dollars in millions | June 30, 2022 |  | December 31, 2021
Commercial |  |  |
Commercial construction | $ | 2,783 |  |  | $ | 1,238 |
Owner occupied commercial mortgage | 13,795 |  |  | 12,099 |
Non-owner occupied commercial mortgage | 9,167 |  |  | 3,041 |
Commercial and industrial | 23,554 |  |  | 5,937 |
Leases | 2,178 |  |  | 271 |
Total commercial | 51,477 |  |  | 22,586 |
Consumer |  |  |
Residential mortgage | 12,441 |  |  | 6,088 |
Revolving mortgage | 1,893 |  |  | 1,818 |
Consumer auto | 1,338 |  |  | 1,332 |
Consumer other | 586 |  |  | 548 |
Total consumer | 16,258 |  |  | 9,786 |
Total loans and leases | $ | 67,735 |  |  | $ | 32,372 |
Schedule of Amortized Cost of Loans | The following table presents selected components of the amortized cost of loans. Components of Amortized Cost
dollars in millions | June 30, 2022 |  | December 31, 2021
Deferred fees, including unearned fees and unamortized costs on non-PCD loans | $ | 48 |  | $ | 32
Net unamortized discount on purchased loans |  |  |
Non-PCD | $ | 77 |  | $ | 11
PCD | 61 |  | 29 |
Total net unamortized discount | $ | 138 |  | $ | 40
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status | The aging of the outstanding loans and leases, by class, at June 30, 2022 and December 31, 2021 is provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and still remain in compliance with the respective agreement. Loans and Leases - Delinquency Status
| June 30, 2022
dollars in millions | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 1 |  |  | $ | — |  |  | $ | 19 |  |  | $ | 20 |  |  | $ | 2,763 |  |  | $ | 2,783 |
Owner occupied commercial mortgage | 24 |  |  | 3 |  |  | 27 |  |  | 54 |  |  | 13,741 |  |  | 13,795 |
Non-owner occupied commercial mortgage | 7 |  |  | 9 |  |  | 18 |  |  | 34 |  |  | 9,133 |  |  | 9,167 |
Commercial and industrial | 73 |  |  | 26 |  |  | 46 |  |  | 145 |  |  | 23,409 |  |  | 23,554 |
Leases | 37 |  |  | 21 |  |  | 14 |  |  | 72 |  |  | 2,106 |  |  | 2,178 |
Total commercial | 142 |  |  | 59 |  |  | 124 |  |  | 325 |  |  | 51,152 |  |  | 51,477 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 67 |  |  | 11 |  |  | 87 |  |  | 165 |  |  | 12,276 |  |  | 12,441 |
Revolving mortgage | 8 |  |  | 3 |  |  | 8 |  |  | 19 |  |  | 1,874 |  |  | 1,893 |
Consumer auto | 7 |  |  | 1 |  |  | 1 |  |  | 9 |  |  | 1,329 |  |  | 1,338 |
Consumer other | 3 |  |  | 1 |  |  | 1 |  |  | 5 |  |  | 581 |  |  | 586 |
Total consumer | 85 |  |  | 16 |  |  | 97 |  |  | 198 |  |  | 16,060 |  |  | 16,258 |
Total loans and leases | $ | 227 |  |  | $ | 75 |  |  | $ | 221 |  |  | $ | 523 |  |  | $ | 67,212 |  |  | $ | 67,735 |
| December 31, 2021
dollars in millions | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 1 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 3 |  |  | $ | 1,235 |  |  | $ | 1,238 |
Owner occupied commercial mortgage | 21 |  |  | 1 |  |  | 9 |  |  | 31 |  |  | 12,068 |  |  | 12,099 |
Non-owner occupied commercial mortgage | 3 |  |  | — |  |  | 2 |  |  | 5 |  |  | 3,036 |  |  | 3,041 |
Commercial and industrial | 8 |  |  | 3 |  |  | 5 |  |  | 16 |  |  | 5,921 |  |  | 5,937 |
Leases | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 269 |  |  | 271 |
Total commercial | 33 |  |  | 5 |  |  | 19 |  |  | 57 |  |  | 22,529 |  |  | 22,586 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 24 |  |  | 6 |  |  | 23 |  |  | 53 |  |  | 6,035 |  |  | 6,088 |
Revolving mortgage | 6 |  |  | 2 |  |  | 6 |  |  | 14 |  |  | 1,804 |  |  | 1,818 |
Consumer auto | 6 |  |  | 1 |  |  | 1 |  |  | 8 |  |  | 1,324 |  |  | 1,332 |
Consumer other | 2 |  |  | 2 |  |  | 1 |  |  | 5 |  |  | 543 |  |  | 548 |
Total consumer | 38 |  |  | 11 |  |  | 31 |  |  | 80 |  |  | 9,706 |  |  | 9,786 |
Total loans and leases | $ | 71 |  |  | $ | 16 |  |  | $ | 50 |  |  | $ | 137 |  |  | $ | 32,235 |  |  | $ | 32,372 |
The amortized cost, by class, of loans and leases on non-accrual status, and loans and leases greater than 90 days past due and still accruing at June 30, 2022 and December 31, 2021 are presented below. Loans on Non-Accrual Status (1) (2)
| June 30, 2022 |  | December 31, 2021
dollars in millions | Non-Accrual Loans |  | Loans > 90 Days and Accruing |  | Non-Accrual Loans |  | Loans > 90 Days and Accruing
Commercial |  |  |  |  |  |  |
Commercial construction | $ | 21 |  |  | $ | 19 |  |  | $ | 4 |  |  | $ | — |
Owner occupied commercial mortgage | 42 |  |  | 6 |  |  | 18 |  |  | 5 |
Non-owner occupied commercial mortgage | 120 |  |  | — |  |  | 5 |  |  | — |
Commercial and industrial | 202 |  |  | 24 |  |  | 15 |  |  | 1 |
Leases | 28 |  |  | 6 |  |  | 3 |  |  | — |
Total commercial | 413 |  |  | 55 |  |  | 45 |  |  | 6 |
Consumer |  |  |  |  |  |  |
Residential mortgage | 77 |  |  | 44 |  |  | 54 |  |  | — |
Revolving mortgage | 19 |  |  | — |  |  | 18 |  |  | — |
Consumer auto | 3 |  |  | — |  |  | 3 |  |  | — |
Consumer other | 1 |  |  | 1 |  |  | 1 |  |  | 1 |
Total consumer | 100 |  |  | 45 |  |  | 76 |  |  | 1 |
Total loans and leases | $ | 513 |  |  | $ | 100 |  |  | $ | 121 |  |  | $ | 7 |
(1)Accrued interest that was reversed when the loan went to non-accrual status was $2 million for the six months ended June 30, 2022. (2)Non-accrual loans for which there was no related ACL totaled $51 million at June 30, 2022 and $15 million at December 31, 2021.
Schedule of Loans Disaggregated by Year of Origination and by Risk Rating | The following table summarizes the commercial loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans. Commercial Loans - Risk Classifications by Class
June 30, 2022
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 509 |  |  | $ | 816 |  |  | $ | 696 |  |  | $ | 421 |  |  | $ | 64 |  |  | $ | 84 |  |  | $ | 58 |  |  | $ | — |  |  | $ | 2,648 |
Special Mention | 2 |  |  | — |  |  | 28 |  |  | — |  |  | 28 |  |  | — |  |  | — |  |  | — |  |  | 58 |
Substandard | 2 |  |  | — |  |  | — |  |  | 56 |  |  | 11 |  |  | 5 |  |  | — |  |  | — |  |  | 74 |
Doubtful | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 513 |  |  | 816 |  |  | 724 |  |  | 480 |  |  | 103 |  |  | 89 |  |  | 58 |  |  | — |  |  | 2,783 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,451 |  |  | 3,275 |  |  | 3,116 |  |  | 1,986 |  |  | 1,125 |  |  | 2,211 |  |  | 158 |  |  | — |  |  | 13,322 |
Special Mention | 4 |  |  | 6 |  |  | 31 |  |  | 34 |  |  | 18 |  |  | 71 |  |  | 4 |  |  | — |  |  | 168 |
Substandard | 3 |  |  | 24 |  |  | 38 |  |  | 50 |  |  | 68 |  |  | 117 |  |  | 4 |  |  | — |  |  | 304 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 1,458 |  |  | 3,305 |  |  | 3,185 |  |  | 2,070 |  |  | 1,211 |  |  | 2,400 |  |  | 166 |  |  | — |  |  | 13,795 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,131 |  |  | 1,706 |  |  | 1,819 |  |  | 1,648 |  |  | 832 |  |  | 1,212 |  |  | 43 |  |  | — |  |  | 8,391 |
Special Mention | — |  |  | 1 |  |  | 41 |  |  | 115 |  |  | 3 |  |  | 11 |  |  | 1 |  |  | — |  |  | 172 |
Substandard | 4 |  |  | 15 |  |  | 17 |  |  | 321 |  |  | 58 |  |  | 173 |  |  | — |  |  | — |  |  | 588 |
Doubtful | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 11 |  |  | — |  |  | — |  |  | 16 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 1,135 |  |  | 1,722 |  |  | 1,877 |  |  | 2,089 |  |  | 893 |  |  | 1,407 |  |  | 44 |  |  | — |  |  | 9,167 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,002 |  |  | 4,980 |  |  | 2,506 |  |  | 2,041 |  |  | 1,167 |  |  | 1,210 |  |  | 4,966 |  |  | 48 |  |  | 21,920 |
Special Mention | 49 |  |  | 81 |  |  | 103 |  |  | 82 |  |  | 78 |  |  | 47 |  |  | 18 |  |  | — |  |  | 458 |
Substandard | 51 |  |  | 68 |  |  | 132 |  |  | 149 |  |  | 157 |  |  | 193 |  |  | 274 |  |  | 1 |  |  | 1,025 |
Doubtful | — |  |  | 4 |  |  | 1 |  |  | 1 |  |  | 11 |  |  | 30 |  |  | 12 |  |  | — |  |  | 59 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 92 |  |  | — |  |  | 92 |
Total commercial and industrial | 5,102 |  |  | 5,133 |  |  | 2,742 |  |  | 2,273 |  |  | 1,413 |  |  | 1,480 |  |  | 5,362 |  |  | 49 |  |  | 23,554 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 343 |  |  | 583 |  |  | 521 |  |  | 309 |  |  | 136 |  |  | 127 |  |  | — |  |  | — |  |  | 2,019 |
Special Mention | 8 |  |  | 17 |  |  | 18 |  |  | 11 |  |  | 7 |  |  | 1 |  |  | — |  |  | — |  |  | 62 |
Substandard | 11 |  |  | 28 |  |  | 22 |  |  | 16 |  |  | 10 |  |  | 2 |  |  | — |  |  | — |  |  | 89 |
Doubtful | 1 |  |  | 2 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 8 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 363 |  |  | 630 |  |  | 563 |  |  | 338 |  |  | 154 |  |  | 130 |  |  | — |  |  | — |  |  | 2,178 |
Total commercial | $ | 8,571 |  |  | $ | 11,606 |  |  | $ | 9,091 |  |  | $ | 7,250 |  |  | $ | 3,774 |  |  | $ | 5,506 |  |  | $ | 5,630 |  |  | $ | 49 |  |  | $ | 51,477 |
Consumer Loans - Delinquency Status by Class
June 30, 2022
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 1,988 |  |  | $ | 3,784 |  |  | $ | 2,219 |  |  | $ | 877 |  |  | $ | 455 |  |  | $ | 2,934 |  |  | $ | 19 |  |  | $ | — |  |  | $ | 12,276 |
30-59 days | 5 |  |  | 6 |  |  | 3 |  |  | 4 |  |  | 6 |  |  | 43 |  |  | — |  |  | — |  |  | 67 |
60-89 days | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | 11 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | 3 |  |  | 37 |  |  | 45 |  |  | — |  |  | — |  |  | 87 |
Total residential mortgage | 1,993 |  |  | 3,791 |  |  | 2,224 |  |  | 885 |  |  | 498 |  |  | 3,031 |  |  | 19 |  |  | — |  |  | 12,441 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,742 |  |  | 132 |  |  | 1,874 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 3 |  |  | 8 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 7 |  |  | 8 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,749 |  |  | 144 |  |  | 1,893 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 301 |  |  | 484 |  |  | 271 |  |  | 148 |  |  | 85 |  |  | 40 |  |  | — |  |  | — |  |  | 1,329 |
30-59 days | — |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 7 |
60-89 days | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
90 days or greater | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer auto | 301 |  |  | 487 |  |  | 274 |  |  | 149 |  |  | 86 |  |  | 41 |  |  | — |  |  | — |  |  | 1,338 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 86 |  |  | 102 |  |  | 17 |  |  | 8 |  |  | 22 |  |  | 9 |  |  | 337 |  |  | — |  |  | 581 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
Total consumer other | 86 |  |  | 102 |  |  | 17 |  |  | 8 |  |  | 22 |  |  | 9 |  |  | 342 |  |  | — |  |  | 586 |
Total consumer | $ | 2,380 |  |  | $ | 4,380 |  |  | $ | 2,515 |  |  | $ | 1,042 |  |  | $ | 606 |  |  | $ | 3,081 |  |  | $ | 2,110 |  |  | $ | 144 |  |  | $ | 16,258 |
The following tables represent current credit quality indicators by origination year as of December 31, 2021. Commercial Loans - Risk Classifications by Class
December 31, 2021
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 540 |  |  | $ | 400 |  |  | $ | 189 |  |  | $ | 29 |  |  | $ | 48 |  |  | $ | 11 |  |  | $ | 10 |  |  | $ | — |  |  | $ | 1,227 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Substandard | 2 |  |  | — |  |  | 1 |  |  | 2 |  |  | 4 |  |  | 1 |  |  | — |  |  | — |  |  | 10 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 542 |  |  | 400 |  |  | 190 |  |  | 31 |  |  | 52 |  |  | 13 |  |  | 10 |  |  | — |  |  | 1,238 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,045 |  |  | 3,022 |  |  | 1,873 |  |  | 1,194 |  |  | 963 |  |  | 1,572 |  |  | 125 |  |  | — |  |  | 11,794 |
Special Mention | 3 |  |  | 35 |  |  | 37 |  |  | 22 |  |  | 13 |  |  | 33 |  |  | 5 |  |  | — |  |  | 148 |
Substandard | 31 |  |  | 16 |  |  | 18 |  |  | 12 |  |  | 18 |  |  | 56 |  |  | 6 |  |  | — |  |  | 157 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 3,079 |  |  | 3,073 |  |  | 1,928 |  |  | 1,228 |  |  | 994 |  |  | 1,661 |  |  | 136 |  |  | — |  |  | 12,099 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 644 |  |  | 737 |  |  | 578 |  |  | 263 |  |  | 266 |  |  | 412 |  |  | 37 |  |  | — |  |  | 2,937 |
Special Mention | 1 |  |  | — |  |  | — |  |  | 3 |  |  | 3 |  |  | 10 |  |  | — |  |  | — |  |  | 17 |
Substandard | 9 |  |  | 11 |  |  | 24 |  |  | 12 |  |  | 7 |  |  | 22 |  |  | 1 |  |  | — |  |  | 86 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 654 |  |  | 748 |  |  | 602 |  |  | 278 |  |  | 277 |  |  | 444 |  |  | 38 |  |  | — |  |  | 3,041 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,107 |  |  | 1,018 |  |  | 599 |  |  | 257 |  |  | 149 |  |  | 281 |  |  | 1,342 |  |  | 5 |  |  | 5,758 |
Special Mention | 9 |  |  | 7 |  |  | 20 |  |  | 2 |  |  | 4 |  |  | 5 |  |  | 5 |  |  | — |  |  | 52 |
Substandard | 20 |  |  | 7 |  |  | 3 |  |  | 4 |  |  | 2 |  |  | 2 |  |  | 16 |  |  | 1 |  |  | 55 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 72 |  |  | — |  |  | 72 |
Total commercial and industrial | 2,136 |  |  | 1,032 |  |  | 622 |  |  | 263 |  |  | 155 |  |  | 288 |  |  | 1,435 |  |  | 6 |  |  | 5,937 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 93 |  |  | 68 |  |  | 38 |  |  | 42 |  |  | 17 |  |  | 8 |  |  | — |  |  | — |  |  | 266 |
Special Mention | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Substandard | 2 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 95 |  |  | 70 |  |  | 38 |  |  | 43 |  |  | 17 |  |  | 8 |  |  | — |  |  | — |  |  | 271 |
Total commercial | $ | 6,506 |  |  | $ | 5,323 |  |  | $ | 3,380 |  |  | $ | 1,843 |  |  | $ | 1,495 |  |  | $ | 2,414 |  |  | $ | 1,619 |  |  | $ | 6 |  |  | $ | 22,586 |
Consumer Loans - Delinquency Status by Class
December 31, 2021
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 2,139 |  |  | $ | 1,663 |  |  | $ | 627 |  |  | $ | 368 |  |  | $ | 349 |  |  | $ | 867 |  |  | $ | 22 |  |  | $ | — |  |  | $ | 6,035 |
30-59 days | 2 |  |  | 3 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 14 |  |  | — |  |  | — |  |  | 24 |
60-89 days | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 4 |  |  | — |  |  | — |  |  | 6 |
90 days or greater | 1 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 17 |  |  | — |  |  | — |  |  | 23 |
Total residential mortgage | 2,142 |  |  | 1,667 |  |  | 630 |  |  | 373 |  |  | 352 |  |  | 902 |  |  | 22 |  |  | — |  |  | 6,088 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,678 |  |  | 126 |  |  | 1,804 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 2 |  |  | 6 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 2 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 4 |  |  | 6 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,684 |  |  | 134 |  |  | 1,818 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 597 |  |  | 343 |  |  | 198 |  |  | 119 |  |  | 48 |  |  | 19 |  |  | — |  |  | — |  |  | 1,324 |
30-59 days | 1 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 6 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Total consumer auto | 598 |  |  | 345 |  |  | 199 |  |  | 120 |  |  | 48 |  |  | 22 |  |  | — |  |  | — |  |  | 1,332 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 131 |  |  | 24 |  |  | 11 |  |  | 4 |  |  | 2 |  |  | 29 |  |  | 342 |  |  | — |  |  | 543 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
60-89 days | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 2 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
Total consumer other | 132 |  |  | 24 |  |  | 11 |  |  | 4 |  |  | 2 |  |  | 29 |  |  | 346 |  |  | — |  |  | 548 |
Total consumer | $ | 2,872 |  |  | $ | 2,036 |  |  | $ | 840 |  |  | $ | 497 |  |  | $ | 402 |  |  | $ | 953 |  |  | $ | 2,052 |  |  | $ | 134 |  |  | $ | 9,786 |
Schedule of Loans Purchased with Credit Deterioration | The following table summarizes PCD loans and leases that BancShares acquired in the CIT Merger. PCD Loans and Leases - CIT Merger
dollars in millions |  | Total PCD from CIT Merger
UPB |  | $ | 3,550 |
Initial PCD ACL |  | (272) |
Fair value discount, net of the PCD Gross-Up |  | (45) |
Purchase price |  | $ | 3,233 |
Schedule of Troubled Debt Restructuring | The following table presents amortized cost of TDRs. TDRs
| June 30, 2022
dollars in millions | Accruing |  | Non-Accruing |  | Total
Commercial |  |  |  |  |
Commercial construction | $ | 2 |  |  | $ | 1 |  |  | $ | 3 |
Owner occupied commercial mortgage | 50 |  |  | 8 |  |  | 58 |
Non-owner occupied commercial mortgage | 28 |  |  | 2 |  |  | 30 |
Commercial and industrial | 25 |  |  | 13 |  |  | 38 |
Leases | — |  |  | 1 |  |  | 1 |
Total commercial | 105 |  |  | 25 |  |  | 130 |
Consumer |  |  |  |  |
Residential mortgage | 28 |  |  | 19 |  |  | 47 |
Revolving mortgage | 18 |  |  | 5 |  |  | 23 |
Consumer auto | 2 |  |  | — |  |  | 2 |
Consumer other | 1 |  |  | — |  |  | 1 |
Total consumer | 49 |  |  | 24 |  |  | 73 |
Total TDRs | $ | 154 |  |  | $ | 49 |  |  | $ | 203 |
| December 31, 2021
dollars in millions | Accruing |  | Non-Accruing |  | Total
Commercial |  |  |  |  |
Commercial construction | $ | 2 |  |  | $ | — |  |  | $ | 2 |
Owner occupied commercial mortgage | 57 |  |  | 8 |  |  | 65 |
Non-owner occupied commercial mortgage | 26 |  |  | 3 |  |  | 29 |
Commercial and industrial | 12 |  |  | 9 |  |  | 21 |
Leases | — |  |  | 1 |  |  | 1 |
Total commercial | 97 |  |  | 21 |  |  | 118 |
Consumer |  |  |  |  |
Residential mortgage | 29 |  |  | 18 |  |  | 47 |
Revolving mortgage | 17 |  |  | 7 |  |  | 24 |
Consumer auto | 2 |  |  | — |  |  | 2 |
Consumer other | 1 |  |  | — |  |  | 1 |
Total consumer | 49 |  |  | 25 |  |  | 74 |
Total TDRs | $ | 146 |  |  | $ | 46 |  |  | $ | 192 |
The following table summarizes the loan restructurings during the three and six months ended June 30, 2022 and 2021 that were designated as TDRs. BancShares defines payment default as movement of the TDR to non-accrual status, which is generally 90 days past due, foreclosure or charge-off, whichever occurs first. Restructurings
| Three Months Ended June 30, |  |  |  |
| 2022 |  | 2021 |  |  |  |
dollars in millions (except for number of loans) | Number of Loans |  | Amortized Cost at Period End |  |  |  |  |  | Number of Loans |  | Amortized Cost at Period End |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest only | 6 |  |  | $ | 6 |  |  |  |  |  |  | 4 |  |  | $ | 3 |  |  |  |  |
Loan term extension | 41 |  |  | 4 |  |  |  |  |  |  | 41 |  |  | 4 |  |  |  |  |
Below market rates | 25 |  |  | 3 |  |  |  |  |  |  | 37 |  |  | 8 |  |  |  |  |
Discharge from bankruptcy | 18 |  |  | 2 |  |  |  |  |  |  | 39 |  |  | 7 |  |  |  |  |
Total | 90 |  |  | $ | 15 |  |  |  |  |  |  | 121 |  |  | $ | 22 |  |  |  |  |
| Six Months Ended June 30, |  |  |  |
| 2022 |  | 2021 |  |  |  |
| Number of Loans |  | Amortized Cost at Period End |  |  |  |  |  | Number of Loans |  | Amortized Cost at Period End |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest only | 8 |  |  | $ | 6 |  |  |  |  |  |  | 10 |  |  | $ | 10 |  |  |  |  |
Loan term extension | 76 |  |  | 23 |  |  |  |  |  |  | 66 |  |  | 8 |  |  |  |  |
Below market rates | 45 |  |  | 5 |  |  |  |  |  |  | 90 |  |  | 16 |  |  |  |  |
Discharge from bankruptcy | 42 |  |  | 4 |  |  |  |  |  |  | 84 |  |  | 10 |  |  |  |  |
Total | 171 |  |  | $ | 38 |  |  |  |  |  |  | 250 |  |  | $ | 44 |  |  |  |  |
TDRs that subsequently defaulted during the three and six months ended June 30, 2022 and 2021, and were classified as TDRs during the applicable 12-month period preceding June 30, 2022 and 2021 were as follows: TDR Defaults
| Three Months Ended June 30,
dollars in millions | 2022 |  | 2021
TDR Defaults | $ | 1 |  |  | $ | 1 |
| Six Months Ended June 30,
| 2022 |  | 2021
TDR Defaults | $ | 3 |  |  | $ | 5 |
Schedule of Loans Pledged as Collateral | The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta and the Federal Reserve Bank (“FRB”) as of June 30, 2022 and December 31, 2021: Loans Pledged
dollars in millions | June 30, 2022 |  | December 31, 2021
FHLB of Atlanta |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 14,097 |  |  | $ | 9,564 |
Less: Advances | 1,785 |  |  | 645 |
Less: Letters of Credit | 750 |  |  | — |
Available borrowing capacity | $ | 11,562 |  |  | $ | 8,919 |
Pledged non-PCD loans (contractual balance) | $ | 20,680 |  |  | $ | 14,507 |
FRB |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 4,190 |  |  | $ | 3,951 |
Less: Advances | — |  |  | — |
Available borrowing capacity | $ | 4,190 |  |  | $ | 3,951 |
Pledged non-PCD loans (contractual balance) | $ | 5,089 |  |  | $ | 4,806 |

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