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Strategic Lines of Business (Tables)

3 Months Ended

Mar. 31, 2025

Segment Reporting [Abstract]

Business Segment Financial Results

Business segment financial results were as follows:

(dollar amounts in millions)			Commercial Bank						Retail Bank						Wealth Management						Finance						Other						Total
Three Months Ended March 31, 2025
Earnings summary:
Net interest income (expense)			$	472					$	254					$	48					$	(240)					$	41					$	575
Provision (benefit) for credit losses			31						(5)						(6)						—						—						20
Noninterest income			135						26						71						23						(1)						254
Salaries and benefits expense			81						51						35						17						184						368
Outside processing fee expense			46						2						10						1						5						64
Occupancy expense			6						25						3						1						11						46
Allocated corporate expense			119						80						35						(20)						(214)						—
All other noninterest expenses (a)			15						22						14						2						53						106
Total noninterest expenses			267						180						97						1						39						584
Provision (benefit) for income taxes			71						26						7						(52)						1						53
Net income (loss)			$	238					$	79					$	21					$	(166)					$	—					$	172
Net charge-offs			$	26					$	—					$	—					$	—					$	—					$	26
Selected average balances:
Assets			$	44,960					$	3,053					$	5,170					$	17,433					$	6,942					$	77,558
Loans			42,850						2,380						4,984						—						—						50,214
Deposits			32,750						23,638						3,620						1,633						258						61,899
Three Months Ended March 31, 2024
Earnings summary:
Net interest income (expense)			$	477					$	200					$	47					$	(217)					$	41					$	548
Provision (benefit) for credit losses			16						(1)						1						—						(2)						14
Noninterest income			148						28						65						(11)						6						236
Salaries and benefits expense			79						51						36						14						168						348
Outside processing fee expense			49						3						11						1						4						68
Occupancy expense			6						24						3						1						10						44
Allocated corporate expense			104						77						31						(18)						(194)						—
All other noninterest expenses (a)			37						27						15						4						60						143
Noninterest expenses			275						182						96						2						48						603
Provision (benefit) for income taxes			56						8						2						(41)						4						29
Net income (loss)			$	278					$	39					$	13					$	(189)					$	(3)					$	138
Net charge-offs			$	14					$	—					$	—					$	—					$	—					$	14
Selected average balances:
Assets			$	46,485					$	3,026					$	5,443					$	19,057					$	9,606					$	83,617
Loans			43,911						2,297						5,152						—						12						51,372
Deposits			32,212						24,384						3,900						4,539						275						65,310

(a)All other noninterest expenses for each reportable business segment includes:

i.Commercial Bank - Primarily FDIC insurance expense and gains on real estate and other assets.

ii.Retail Bank - Primarily equipment expense and FDIC insurance expense.

iii.Wealth Management - Primarily litigation-related expense and software expense.

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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X

- References

No definition available.

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