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v3.19.2

LOANS AND LEASES (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Summary of Loans and Leases, Net of Unearned Income | Following is a summary of loans and leases, net of unearned income: TABLE 4.1
(in millions) | Originated Loans and Leases |  | Loans Acquired in a Business Combination |  | Total Loans and Leases
June 30, 2019 |  |  |  |  |
Commercial real estate | $ | 6,601 |  |  | $ | 2,231 |  |  | $ | 8,832 |
Commercial and industrial | 4,708 |  |  | 320 |  |  | 5,028 |
Commercial leases | 385 |  |  | — |  |  | 385 |
Other | 37 |  |  | — |  |  | 37 |
Total commercial loans and leases | 11,731 |  |  | 2,551 |  |  | 14,282 |
Direct installment | 1,679 |  |  | 79 |  |  | 1,758 |
Residential mortgages | 2,573 |  |  | 449 |  |  | 3,022 |
Indirect installment | 1,968 |  |  | — |  |  | 1,968 |
Consumer lines of credit | 1,099 |  |  | 414 |  |  | 1,513 |
Total consumer loans | 7,319 |  |  | 942 |  |  | 8,261 |
Total loans and leases, net of unearned income | $ | 19,050 |  |  | $ | 3,493 |  |  | $ | 22,543 |
December 31, 2018 |  |  |  |  |
Commercial real estate | $ | 6,171 |  |  | $ | 2,615 |  |  | $ | 8,786 |
Commercial and industrial | 4,140 |  |  | 416 |  |  | 4,556 |
Commercial leases | 373 |  |  | — |  |  | 373 |
Other | 46 |  |  | — |  |  | 46 |
Total commercial loans and leases | 10,730 |  |  | 3,031 |  |  | 13,761 |
Direct installment | 1,668 |  |  | 96 |  |  | 1,764 |
Residential mortgages | 2,612 |  |  | 501 |  |  | 3,113 |
Indirect installment | 1,933 |  |  | — |  |  | 1,933 |
Consumer lines of credit | 1,119 |  |  | 463 |  |  | 1,582 |
Total consumer loans | 7,332 |  |  | 1,060 |  |  | 8,392 |
Total loans and leases, net of unearned income | $ | 18,062 |  |  | $ | 4,091 |  |  | $ | 22,153 |
Certain Information Relating to Commercial Real Estate Loans | The following table shows certain information relating to commercial real estate loans: TABLE 4.2
(dollars in millions) | June 30, 2019 |  | December 31, 2018
Commercial construction, acquisition and development loans | $ | 1,196 |  |  | $ | 1,152 |
Percent of total loans and leases | 5.3 | % |  | 5.2 | %
Commercial real estate: |  |  |
Percent owner-occupied | 31.7 | % |  | 35.1 | %
Percent non-owner-occupied | 68.3 | % |  | 64.9 | %
Summary of Outstanding Principal Balance and Carrying Amount of Acquired Loans Acquired In A Business Combination | The outstanding balance and the carrying amount of loans acquired in a business combination included in the Consolidated Balance Sheets are as follows: TABLE 4.3
(in millions) | June 30, 2019 |  | December 31, 2018
Accounted for under ASC 310-30: |  |  |
Outstanding balance | $ | 3,247 |  |  | $ | 3,768 |
Carrying amount | 2,998 |  |  | 3,570 |
Accounted for under ASC 310-20: |  |  |
Outstanding balance | 504 |  |  | 602 |
Carrying amount | 491 |  |  | 513 |
Total loans acquired in a business combination: |  |  |
Outstanding balance | 3,751 |  |  | 4,370 |
Carrying amount | 3,489 |  |  | 4,083 |
Schedule Of Changes In Accretable Yields Of Loans Acquired In A Business Combination | The following table provides changes in accretable yield for all loans acquired in business combinations that are accounted for under ASC 310-30. Loans accounted for under ASC 310-20 are not included in this table. TABLE 4.4
| Six Months Ended June 30,
(in millions) | 2019 |  | 2018
Balance at beginning of period | $ | 605 |  |  | $ | 708 |
Reduction due to unexpected early payoffs | (39 | ) |  | (94 | )
Reclass from non-accretable difference to accretable yield | 58 |  |  | 129 |
Other | — |  |  | (2 | )
Accretion | (96 | ) |  | (116 | )
Balance at end of period | $ | 528 |  |  | $ | 625 |
Summary of Non-Performing Assets | Following is a summary of non-performing assets: TABLE 4.5
(dollars in millions) | June 30, 2019 |  | December 31, 2018
Non-accrual loans | $ | 74 |  |  | $ | 79 |
Troubled debt restructurings | 19 |  |  | 21 |
Total non-performing loans | 93 |  |  | 100 |
Other real estate owned | 32 |  |  | 35 |
Total non-performing assets | $ | 125 |  |  | $ | 135 |
Asset quality ratios: |  |  |
Non-performing loans / total loans and leases | 0.41 | % |  | 0.45 | %
Non-performing loans + OREO / total loans and leases + OREO | 0.55 | % |  | 0.61 | %
Non-performing assets / total assets | 0.37 | % |  | 0.41 | %
Age Analysis of Past Due Loans, by Class | The following tables provide an analysis of the aging of loans by class segregated by loans and leases originated and loans acquired: TABLE 4.6
(in millions) | 30-89 Days Past Due |  | > 90 Days Past Due and Still Accruing |  | Non- Accrual |  | Total Past Due |  | Current |  | Total Loans and Leases
Originated Loans and Leases |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 7 |  |  | $ | — |  |  | $ | 27 |  |  | $ | 34 |  |  | $ | 6,567 |  |  | $ | 6,601 |
Commercial and industrial | 7 |  |  | — |  |  | 17 |  |  | 24 |  |  | 4,684 |  |  | 4,708 |
Commercial leases | 4 |  |  | — |  |  | 2 |  |  | 6 |  |  | 379 |  |  | 385 |
Other | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 36 |  |  | 37 |
Total commercial loans and leases | 18 |  |  | — |  |  | 47 |  |  | 65 |  |  | 11,666 |  |  | 11,731 |
Direct installment | 6 |  |  | 1 |  |  | 7 |  |  | 14 |  |  | 1,665 |  |  | 1,679 |
Residential mortgages | 16 |  |  | 2 |  |  | 8 |  |  | 26 |  |  | 2,547 |  |  | 2,573 |
Indirect installment | 10 |  |  | — |  |  | 2 |  |  | 12 |  |  | 1,956 |  |  | 1,968 |
Consumer lines of credit | 4 |  |  | 1 |  |  | 4 |  |  | 9 |  |  | 1,090 |  |  | 1,099 |
Total consumer loans | 36 |  |  | 4 |  |  | 21 |  |  | 61 |  |  | 7,258 |  |  | 7,319 |
Total originated loans and leases | $ | 54 |  |  | $ | 4 |  |  | $ | 68 |  |  | $ | 126 |  |  | $ | 18,924 |  |  | $ | 19,050 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 7 |  |  | $ | — |  |  | $ | 17 |  |  | $ | 24 |  |  | $ | 6,147 |  |  | $ | 6,171 |
Commercial and industrial | 5 |  |  | — |  |  | 19 |  |  | 24 |  |  | 4,116 |  |  | 4,140 |
Commercial leases | 1 |  |  | — |  |  | 2 |  |  | 3 |  |  | 370 |  |  | 373 |
Other | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 45 |  |  | 46 |
Total commercial loans and leases | 13 |  |  | — |  |  | 39 |  |  | 52 |  |  | 10,678 |  |  | 10,730 |
Direct installment | 8 |  |  | — |  |  | 8 |  |  | 16 |  |  | 1,652 |  |  | 1,668 |
Residential mortgages | 16 |  |  | 3 |  |  | 6 |  |  | 25 |  |  | 2,587 |  |  | 2,612 |
Indirect installment | 11 |  |  | 1 |  |  | 2 |  |  | 14 |  |  | 1,919 |  |  | 1,933 |
Consumer lines of credit | 5 |  |  | 1 |  |  | 3 |  |  | 9 |  |  | 1,110 |  |  | 1,119 |
Total consumer loans | 40 |  |  | 5 |  |  | 19 |  |  | 64 |  |  | 7,268 |  |  | 7,332 |
Total originated loans and leases | $ | 53 |  |  | $ | 5 |  |  | $ | 58 |  |  | $ | 116 |  |  | $ | 17,946 |  |  | $ | 18,062 |
(in millions) | 30-89 Days Past Due |  | > 90 Days Past Due and Still Accruing |  | Non- Accrual |  | Total Past Due (1) (2) |  | Current |  | (Discount) Premium |  | Total Loans
Loans Acquired in a Business Combination |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 19 |  |  | $ | 31 |  |  | $ | 3 |  |  | $ | 53 |  |  | $ | 2,332 |  |  | $ | (154 | ) |  | $ | 2,231 |
Commercial and industrial | 1 |  |  | 4 |  |  | 2 |  |  | 7 |  |  | 336 |  |  | (23 | ) |  | 320 |
Total commercial loans | 20 |  |  | 35 |  |  | 5 |  |  | 60 |  |  | 2,668 |  |  | (177 | ) |  | 2,551 |
Direct installment | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | 77 |  |  | — |  |  | 79 |
Residential mortgages | 12 |  |  | 4 |  |  | — |  |  | 16 |  |  | 449 |  |  | (16 | ) |  | 449 |
Consumer lines of credit | 7 |  |  | 3 |  |  | — |  |  | 10 |  |  | 413 |  |  | (9 | ) |  | 414 |
Total consumer loans | 20 |  |  | 8 |  |  | — |  |  | 28 |  |  | 939 |  |  | (25 | ) |  | 942 |
Total loans acquired in a business combination | $ | 40 |  |  | $ | 43 |  |  | $ | 5 |  |  | $ | 88 |  |  | $ | 3,607 |  |  | $ | (202 | ) |  | $ | 3,493 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 19 |  |  | $ | 38 |  |  | $ | 3 |  |  | $ | 60 |  |  | $ | 2,723 |  |  | $ | (168 | ) |  | $ | 2,615 |
Commercial and industrial | 3 |  |  | 4 |  |  | 17 |  |  | 24 |  |  | 420 |  |  | (28 | ) |  | 416 |
Total commercial loans | 22 |  |  | 42 |  |  | 20 |  |  | 84 |  |  | 3,143 |  |  | (196 | ) |  | 3,031 |
Direct installment | 3 |  |  | 2 |  |  | — |  |  | 5 |  |  | 91 |  |  | — |  |  | 96 |
Residential mortgages | 13 |  |  | 6 |  |  | — |  |  | 19 |  |  | 498 |  |  | (16 | ) |  | 501 |
Consumer lines of credit | 8 |  |  | 3 |  |  | 1 |  |  | 12 |  |  | 461 |  |  | (10 | ) |  | 463 |
Total consumer loans | 24 |  |  | 11 |  |  | 1 |  |  | 36 |  |  | 1,050 |  |  | (26 | ) |  | 1,060 |
Total loans acquired in a business combination | $ | 46 |  |  | $ | 53 |  |  | $ | 21 |  |  | $ | 120 |  |  | $ | 4,193 |  |  | $ | (222 | ) |  | $ | 4,091 |
(1) | Loans acquired in a business combination are considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if we can reasonably estimate the timing and amount of expected cash flows on such loans. In these instances, we do not consider acquired contractually delinquent loans to be non-accrual or non-performing and continue to recognize interest income on these loans using the accretion method. Loans acquired in a business combination are considered non-accrual or non-performing when, due to credit deterioration or other factors, we determine we are no longer able to reasonably estimate the timing and amount of expected cash flows on such loans. We do not recognize interest income on loans acquired in a business combination considered non-accrual or non-performing.
(2) Past due information for loans acquired in a business combination is based on the contractual balance outstanding at June 30, 2019 and December 31, 2018.
Loan, Credit Quality Indicators | We utilize the following categories to monitor credit quality within our commercial loan and lease portfolio: TABLE 4.7
Rating Category | Definition
Pass | in general, the condition of the borrower and the performance of the loan is satisfactory or better
Special Mention | in general, the condition of the borrower has deteriorated, requiring an increased level of monitoring
Substandard | in general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected
Doubtful | in general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Summary of Commercial Loans by Credit Quality | The following tables present a summary of our commercial loans and leases by credit quality category, segregated by loans and leases originated and loans acquired: TABLE 4.8
| Commercial Loan and Lease Credit Quality Categories
(in millions) | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Originated Loans and Leases |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 6,309 |  |  | $ | 146 |  |  | $ | 145 |  |  | $ | 1 |  |  | $ | 6,601 |
Commercial and industrial | 4,419 |  |  | 162 |  |  | 126 |  |  | 1 |  |  | 4,708 |
Commercial leases | 375 |  |  | 4 |  |  | 6 |  |  | — |  |  | 385 |
Other | 36 |  |  | — |  |  | 1 |  |  | — |  |  | 37 |
Total originated commercial loans and leases | $ | 11,139 |  |  | $ | 312 |  |  | $ | 278 |  |  | $ | 2 |  |  | $ | 11,731 |
December 31, 2018 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 5,883 |  |  | $ | 163 |  |  | $ | 125 |  |  | $ | — |  |  | $ | 6,171 |
Commercial and industrial | 3,879 |  |  | 180 |  |  | 81 |  |  | — |  |  | 4,140 |
Commercial leases | 366 |  |  | 1 |  |  | 6 |  |  | — |  |  | 373 |
Other | 45 |  |  | — |  |  | 1 |  |  | — |  |  | 46 |
Total originated commercial loans and leases | $ | 10,173 |  |  | $ | 344 |  |  | $ | 213 |  |  | $ | — |  |  | $ | 10,730 |
Loans Acquired in a Business Combination |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 1,926 |  |  | $ | 147 |  |  | $ | 158 |  |  | $ | — |  |  | $ | 2,231 |
Commercial and industrial | 274 |  |  | 17 |  |  | 29 |  |  | — |  |  | 320 |
Total commercial loans acquired in a business combination | $ | 2,200 |  |  | $ | 164 |  |  | $ | 187 |  |  | $ | — |  |  | $ | 2,551 |
December 31, 2018 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 2,256 |  |  | $ | 168 |  |  | $ | 191 |  |  | $ | — |  |  | $ | 2,615 |
Commercial and industrial | 355 |  |  | 18 |  |  | 43 |  |  | — |  |  | 416 |
Total commercial loans acquired in a business combination | $ | 2,611 |  |  | $ | 186 |  |  | $ | 234 |  |  | $ | — |  |  | $ | 3,031 |
Summary of Consumer Loans by Payment Status | Following is a table showing consumer loans by payment status: TABLE 4.9
| Consumer Loan Credit Quality by Payment Status
(in millions) | Performing |  | Non- Performing |  | Total
Originated Loans |  |  |  |  |
June 30, 2019 |  |  |  |  |
Direct installment | $ | 1,665 |  |  | $ | 14 |  |  | $ | 1,679 |
Residential mortgages | 2,557 |  |  | 16 |  |  | 2,573 |
Indirect installment | 1,966 |  |  | 2 |  |  | 1,968 |
Consumer lines of credit | 1,095 |  |  | 4 |  |  | 1,099 |
Total originated consumer loans | $ | 7,283 |  |  | $ | 36 |  |  | $ | 7,319 |
December 31, 2018 |  |  |  |  |
Direct installment | $ | 1,654 |  |  | $ | 14 |  |  | $ | 1,668 |
Residential mortgages | 2,598 |  |  | 14 |  |  | 2,612 |
Indirect installment | 1,931 |  |  | 2 |  |  | 1,933 |
Consumer lines of credit | 1,114 |  |  | 5 |  |  | 1,119 |
Total originated consumer loans | $ | 7,297 |  |  | $ | 35 |  |  | $ | 7,332 |
Loans Acquired in a Business Combination |  |  |  |  |
June 30, 2019 |  |  |  |  |
Direct installment | $ | 79 |  |  | $ | — |  |  | $ | 79 |
Residential mortgages | 449 |  |  | — |  |  | 449 |
Consumer lines of credit | 413 |  |  | 1 |  |  | 414 |
Total consumer loans acquired in a business combination | $ | 941 |  |  | $ | 1 |  |  | $ | 942 |
December 31, 2018 |  |  |  |  |
Direct installment | $ | 96 |  |  | $ | — |  |  | $ | 96 |
Residential mortgages | 501 |  |  | — |  |  | 501 |
Consumer lines of credit | 462 |  |  | 1 |  |  | 463 |
Total consumer loans acquired in a business combination | $ | 1,059 |  |  | $ | 1 |  |  | $ | 1,060 |
Summary of Impaired Loans and Leases, by Class | Following is a summary of information pertaining to loans and leases considered to be impaired, by class of loan and lease: TABLE 4.10
(in millions) | Unpaid Contractual Principal Balance |  | Recorded Investment With No Specific Reserve |  | Recorded Investment With Specific Reserve |  | Total Recorded Investment |  | Specific Reserve |  | Average Recorded Investment
At or for the Six Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 31 |  |  | $ | 21 |  |  | $ | 6 |  |  | $ | 27 |  |  | $ | 2 |  |  | $ | 24 |
Commercial and industrial | 22 |  |  | 15 |  |  | — |  |  | 15 |  |  | 1 |  |  | 17 |
Commercial leases | 2 |  |  | 2 |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
Total commercial loans and leases | 55 |  |  | 38 |  |  | 6 |  |  | 44 |  |  | 3 |  |  | 43 |
Direct installment | 17 |  |  | 14 |  |  | — |  |  | 14 |  |  | — |  |  | 14 |
Residential mortgages | 18 |  |  | 16 |  |  | — |  |  | 16 |  |  | — |  |  | 15 |
Indirect installment | 5 |  |  | 2 |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
Consumer lines of credit | 7 |  |  | 5 |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Total consumer loans | 47 |  |  | 37 |  |  | — |  |  | 37 |  |  | — |  |  | 36 |
Total | $ | 102 |  |  | $ | 75 |  |  | $ | 6 |  |  | $ | 81 |  |  | $ | 3 |  |  | $ | 79 |
At or for the Year Ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 20 |  |  | $ | 16 |  |  | $ | 1 |  |  | $ | 17 |  |  | $ | — |  |  | $ | 18 |
Commercial and industrial | 46 |  |  | 20 |  |  | 13 |  |  | 33 |  |  | 4 |  |  | 32 |
Commercial leases | 2 |  |  | 2 |  |  | — |  |  | 2 |  |  | — |  |  | 4 |
Total commercial loans and leases | 68 |  |  | 38 |  |  | 14 |  |  | 52 |  |  | 4 |  |  | 54 |
Direct installment | 17 |  |  | 14 |  |  | — |  |  | 14 |  |  | — |  |  | 14 |
Residential mortgages | 16 |  |  | 14 |  |  | — |  |  | 14 |  |  | — |  |  | 15 |
Indirect installment | 5 |  |  | 2 |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
Consumer lines of credit | 7 |  |  | 5 |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Total consumer loans | 45 |  |  | 35 |  |  | — |  |  | 35 |  |  | — |  |  | 36 |
Total | $ | 113 |  |  | $ | 73 |  |  | $ | 14 |  |  | $ | 87 |  |  | $ | 4 |  |  | $ | 90 |
Additional Allowance For Credit Losses Related To Loans Acquired In A Business Combination | Following is a summary of the allowance for credit losses required for loans acquired in a business combination due to changes in credit quality subsequent to the acquisition date: TABLE 4.11
(in millions) | June 30, 2019 |  | December 31, 2018
Commercial real estate | $ | 2 |  |  | $ | 2 |
Commercial and industrial | 1 |  |  | 4 |
Total commercial loans | 3 |  |  | 6 |
Direct installment | 1 |  |  | 1 |
Residential mortgages | 1 |  |  | — |
Total consumer loans | 2 |  |  | 1 |
Total allowance on loans acquired in a business combination | $ | 5 |  |  | $ | 7 |
Summary of the composition of total TDRs | Following is a summary of the composition of total TDRs: TABLE 4.12
(in millions) | Originated |  | Acquired |  | Total
June 30, 2019 |  |  |  |  |
Accruing: |  |  |  |  |
Performing | $ | 19 |  |  | $ | — |  |  | $ | 19 |
Non-performing | 16 |  |  | 3 |  |  | 19 |
Non-accrual | 16 |  |  | — |  |  | 16 |
Total TDRs | $ | 51 |  |  | $ | 3 |  |  | $ | 54 |
December 31, 2018 |  |  |  |  |
Accruing: |  |  |  |  |
Performing | $ | 18 |  |  | $ | — |  |  | $ | 18 |
Non-performing | 17 |  |  | 4 |  |  | 21 |
Non-accrual | 9 |  |  | — |  |  | 9 |
Total TDRs | $ | 44 |  |  | $ | 4 |  |  | $ | 48 |
Summary of Troubled Debt Restructurings by Class of Loans | Following is a summary of TDR loans, by class: TABLE 4.13
| Three Months Ended June 30, 2019 |  | Six Months Ended June 30, 2019
(dollars in millions) | Number of Contracts |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Number of Contracts |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Commercial real estate | 11 |  |  | $ | 3 |  |  | $ | 4 |  |  | 12 |  |  | $ | 4 |  |  | $ | 4 |
Commercial and industrial | 2 |  |  | 4 |  |  | 3 |  |  | 13 |  |  | 5 |  |  | 4 |
Total commercial loans | 13 |  |  | 7 |  |  | 7 |  |  | 25 |  |  | 9 |  |  | 8 |
Direct installment | 14 |  |  | 1 |  |  | 1 |  |  | 32 |  |  | 1 |  |  | 1 |
Residential mortgages | 7 |  |  | — |  |  | — |  |  | 10 |  |  | 1 |  |  | 1 |
Consumer lines of credit | 7 |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | — |
Total consumer loans | 28 |  |  | 1 |  |  | 1 |  |  | 56 |  |  | 2 |  |  | 2 |
Total | 41 |  |  | $ | 8 |  |  | $ | 8 |  |  | 81 |  |  | $ | 11 |  |  | $ | 10 |
| Three Months Ended June 30, 2018 |  | Six Months Ended June 30, 2018
(dollars in millions) | Number of Contracts |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Number of Contracts |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Commercial real estate | 1 |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | — |  |  | $ | — |
Commercial and industrial | 13 |  |  | 1 |  |  | 1 |  |  | 13 |  |  | 3 |  |  | 2 |
Total commercial loans | 14 |  |  | 1 |  |  | 1 |  |  | 14 |  |  | 3 |  |  | 2 |
Direct installment | 178 |  |  | 2 |  |  | 2 |  |  | 357 |  |  | 3 |  |  | 3 |
Residential mortgages | 8 |  |  | — |  |  | — |  |  | 19 |  |  | 1 |  |  | 1 |
Indirect installment | 7 |  |  | — |  |  | — |  |  | 16 |  |  | — |  |  | — |
Consumer lines of credit | 22 |  |  | 1 |  |  | 1 |  |  | 41 |  |  | 1 |  |  | — |
Total consumer loans | 215 |  |  | 3 |  |  | 3 |  |  | 433 |  |  | 5 |  |  | 4 |
Total | 229 |  |  | $ | 4 |  |  | $ | 4 |  |  | 447 |  |  | $ | 8 |  |  | $ | 6 |
Summary of Originated Troubled Debt Restructurings by Class of Loans and Leases, Payment Default | Following is a summary of originated TDRs, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due and is within 12 months of restructuring. TABLE 4.14
| Three Months Ended June 30, 2019 |  | Six Months Ended June 30, 2019
(dollars in millions) | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Commercial real estate | — |  |  | $ | — |  |  | 1 |  |  | $ | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |
Total commercial loans | — |  |  | — |  |  | 1 |  |  | — |
Direct installment | — |  |  | $ | — |  |  | 3 |  |  | $ | — |
Residential mortgages | — |  |  | — |  |  | 1 |  |  | — |
Consumer lines of credit | — |  |  | — |  |  | 1 |  |  | — |
Total consumer loans | — |  |  | — |  |  | 5 |  |  | — |
Total | — |  |  | $ | — |  |  | 6 |  |  | $ | — |
| Three Months Ended June 30, 2018 |  | Six Months Ended June 30, 2018
(dollars in millions) | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Direct installment | 41 |  |  | $ | — |  |  | 78 |  |  | $ | 1 |
Residential mortgages | 3 |  |  | — |  |  | 6 |  |  | — |
Indirect installment | 5 |  |  | — |  |  | 9 |  |  | — |
Consumer lines of credit | 2 |  |  | — |  |  | 3 |  |  | — |
Total consumer loans | 51 |  |  | — |  |  | 96 |  |  | 1 |
Total | 51 |  |  | $ | — |  |  | 96 |  |  | $ | 1 |

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