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ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Summary of Changes in Allowance for Credit Losses by Loan and Lease Class | Following is a summary of changes in the allowance for credit losses, by loan and lease class: TABLE 5.1
(in millions) | Balance at Beginning of Period |  | Charge- Offs |  | Recoveries |  | Net Charge- Offs |  | Provision for Credit Losses |  | Balance at End of Period
Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 57 |  |  | $ | (1 | ) |  | $ | 1 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 61 |
Commercial and industrial | 52 |  |  | (3 | ) |  | 1 |  |  | (2 | ) |  | 2 |  |  | 52 |
Commercial leases | 8 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 9 |
Other | 2 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | — |  |  | 1 |
Total commercial loans and leases | 119 |  |  | (5 | ) |  | 2 |  |  | (3 | ) |  | 7 |  |  | 123 |
Direct installment | 12 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 13 |
Residential mortgages | 19 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | 2 |  |  | 20 |
Indirect installment | 17 |  |  | (2 | ) |  | 1 |  |  | (1 | ) |  | 2 |  |  | 18 |
Consumer lines of credit | 10 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | — |  |  | 9 |
Total consumer loans | 58 |  |  | (4 | ) |  | 1 |  |  | (3 | ) |  | 5 |  |  | 60 |
Total allowance on originated loans and leases | 177 |  |  | (9 | ) |  | 3 |  |  | (6 | ) |  | 12 |  |  | 183 |
Purchased credit-impaired loans | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Other acquired loans | 8 |  |  | (4 | ) |  | 1 |  |  | (3 | ) |  | (1 | ) |  | 4 |
Total allowance on acquired loans | 9 |  |  | (4 | ) |  | 1 |  |  | (3 | ) |  | (1 | ) |  | 5 |
Total allowance for credit losses | $ | 186 |  |  | $ | (13 | ) |  | $ | 4 |  |  | $ | (9 | ) |  | $ | 11 |  |  | $ | 188 |
Six Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 55 |  |  | $ | (2 | ) |  | $ | 1 |  |  | $ | (1 | ) |  | $ | 7 |  |  | $ | 61 |
Commercial and industrial | 49 |  |  | (4 | ) |  | 2 |  |  | (2 | ) |  | 5 |  |  | 52 |
Commercial leases | 8 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 9 |
Other | 2 |  |  | (2 | ) |  | — |  |  | (2 | ) |  | 1 |  |  | 1 |
Total commercial loans and leases | 114 |  |  | (8 | ) |  | 3 |  |  | (5 | ) |  | 14 |  |  | 123 |
Direct installment | 14 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | — |  |  | 13 |
Residential mortgages | 20 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | 1 |  |  | 20 |
Indirect installment | 15 |  |  | (5 | ) |  | 2 |  |  | (3 | ) |  | 6 |  |  | 18 |
Consumer lines of credit | 10 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | — |  |  | 9 |
Total consumer loans | 59 |  |  | (8 | ) |  | 2 |  |  | (6 | ) |  | 7 |  |  | 60 |
Total allowance on originated loans and leases | 173 |  |  | (16 | ) |  | 5 |  |  | (11 | ) |  | 21 |  |  | 183 |
Purchased credit-impaired loans | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Other loans acquired in a business combination | 6 |  |  | (7 | ) |  | 1 |  |  | (6 | ) |  | 4 |  |  | 4 |
Total allowance on loans acquired in a business combination | 7 |  |  | (7 | ) |  | 1 |  |  | (6 | ) |  | 4 |  |  | 5 |
Total allowance for credit losses | $ | 180 |  |  | $ | (23 | ) |  | $ | 6 |  |  | $ | (17 | ) |  | $ | 25 |  |  | $ | 188 |
(in millions) | Balance at Beginning of Period |  | Charge- Offs |  | Recoveries |  | Net Charge- Offs |  | Provision for Credit Losses |  | Balance at End of Period
Three Months Ended June 30, 2018 |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 54 |  |  | $ | (5 | ) |  | $ | 1 |  |  | $ | (4 | ) |  | $ | — |  |  | $ | 50 |
Commercial and industrial | 53 |  |  | (6 | ) |  | 1 |  |  | (5 | ) |  | 6 |  |  | 54 |
Commercial leases | 6 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 7 |
Other | 2 |  |  | (2 | ) |  | — |  |  | (2 | ) |  | 2 |  |  | 2 |
Total commercial loans and leases | 115 |  |  | (13 | ) |  | 2 |  |  | (11 | ) |  | 9 |  |  | 113 |
Direct installment | 20 |  |  | (3 | ) |  | 1 |  |  | (2 | ) |  | 3 |  |  | 21 |
Residential mortgages | 15 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |
Indirect installment | 12 |  |  | (2 | ) |  | 1 |  |  | (1 | ) |  | 3 |  |  | 14 |
Consumer lines of credit | 10 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | 1 |  |  | 10 |
Total consumer loans | 57 |  |  | (6 | ) |  | 2 |  |  | (4 | ) |  | 7 |  |  | 60 |
Total allowance on originated loans and leases | 172 |  |  | (19 | ) |  | 4 |  |  | (15 | ) |  | 16 |  |  | 173 |
Purchased credit-impaired loans | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Other acquired loans | 6 |  |  | (4 | ) |  | 1 |  |  | (3 | ) |  | — |  |  | 3 |
Total allowance on acquired loans | 7 |  |  | (4 | ) |  | 1 |  |  | (3 | ) |  | — |  |  | 4 |
Total allowance for credit losses | $ | 179 |  |  | $ | (23 | ) |  | $ | 5 |  |  | $ | (18 | ) |  | $ | 16 |  |  | $ | 177 |
Six Months Ended June 30, 2018 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 50 |  |  | $ | (4 | ) |  | $ | 1 |  |  | $ | (3 | ) |  | $ | 3 |  |  | $ | 50 |
Commercial and industrial | 52 |  |  | (12 | ) |  | 1 |  |  | (11 | ) |  | 13 |  |  | 54 |
Commercial leases | 5 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 7 |
Other | 2 |  |  | (3 | ) |  | 1 |  |  | (2 | ) |  | 2 |  |  | 2 |
Total commercial loans and leases | 109 |  |  | (19 | ) |  | 3 |  |  | (16 | ) |  | 20 |  |  | 113 |
Direct installment | 21 |  |  | (6 | ) |  | 1 |  |  | (5 | ) |  | 5 |  |  | 21 |
Residential mortgages | 16 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | — |  |  | 15 |
Indirect installment | 12 |  |  | (4 | ) |  | 2 |  |  | (2 | ) |  | 4 |  |  | 14 |
Consumer lines of credit | 10 |  |  | (1 | ) |  | — |  |  | (1 | ) |  | 1 |  |  | 10 |
Total consumer loans | 59 |  |  | (12 | ) |  | 3 |  |  | (9 | ) |  | 10 |  |  | 60 |
Total allowance on originated loans and leases | 168 |  |  | (31 | ) |  | 6 |  |  | (25 | ) |  | 30 |  |  | 173 |
Purchased credit-impaired loans | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Other loans acquired in a business combination | 6 |  |  | (5 | ) |  | 2 |  |  | (3 | ) |  | — |  |  | 3 |
Total allowance on loans acquired in a business combination | 7 |  |  | (5 | ) |  | 2 |  |  | (3 | ) |  | — |  |  | 4 |
Total allowance for credit losses | $ | 175 |  |  | $ | (36 | ) |  | $ | 8 |  |  | $ | (28 | ) |  | $ | 30 |  |  | $ | 177 |
Summary of Individual and Collective Allowance for Credit Losses and Loan and Lease Balances by Class | Following is a summary of the individual and collective allowance for credit losses and corresponding loan and lease balances by class: TABLE 5.2
| Allowance |  | Loans and Leases Outstanding
(in millions) | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment |  | Loans and Leases |  | Individually Evaluated for Impairment |  | Collectively Evaluated for Impairment
June 30, 2019 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 2 |  |  | $ | 59 |  |  | $ | 6,601 |  |  | $ | 14 |  |  | $ | 6,587 |
Commercial and industrial | 1 |  |  | 51 |  |  | 4,708 |  |  | 7 |  |  | 4,701 |
Commercial leases | — |  |  | 9 |  |  | 385 |  |  | — |  |  | 385 |
Other | — |  |  | 1 |  |  | 37 |  |  | — |  |  | 37 |
Total commercial loans and leases | 3 |  |  | 120 |  |  | 11,731 |  |  | 21 |  |  | 11,710 |
Direct installment | — |  |  | 13 |  |  | 1,679 |  |  | — |  |  | 1,679 |
Residential mortgages | — |  |  | 20 |  |  | 2,573 |  |  | — |  |  | 2,573 |
Indirect installment | — |  |  | 18 |  |  | 1,968 |  |  | — |  |  | 1,968 |
Consumer lines of credit | — |  |  | 9 |  |  | 1,099 |  |  | — |  |  | 1,099 |
Total consumer loans | — |  |  | 60 |  |  | 7,319 |  |  | — |  |  | 7,319 |
Total | $ | 3 |  |  | $ | 180 |  |  | $ | 19,050 |  |  | $ | 21 |  |  | $ | 19,029 |
December 31, 2018 |  |  |  |  |  |  |  |  |
Commercial real estate | $ | — |  |  | $ | 55 |  |  | $ | 6,171 |  |  | $ | 7 |  |  | $ | 6,164 |
Commercial and industrial | 4 |  |  | 49 |  |  | 4,140 |  |  | 11 |  |  | 4,129 |
Commercial leases | — |  |  | 9 |  |  | 373 |  |  | — |  |  | 373 |
Other | — |  |  | 2 |  |  | 46 |  |  | — |  |  | 46 |
Total commercial loans and leases | 4 |  |  | 115 |  |  | 10,730 |  |  | 18 |  |  | 10,712 |
Direct installment | — |  |  | 14 |  |  | 1,668 |  |  | — |  |  | 1,668 |
Residential mortgages | — |  |  | 19 |  |  | 2,612 |  |  | — |  |  | 2,612 |
Indirect installment | — |  |  | 15 |  |  | 1,933 |  |  | — |  |  | 1,933 |
Consumer lines of credit | — |  |  | 10 |  |  | 1,119 |  |  | — |  |  | 1,119 |
Total consumer loans | — |  |  | 58 |  |  | 7,332 |  |  | — |  |  | 7,332 |
Total | $ | 4 |  |  | $ | 173 |  |  | $ | 18,062 |  |  | $ | 18 |  |  | $ | 18,044 |
The above table excludes loans acquired in a business combination that were pooled into groups of loans for evaluating impairment.

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- 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=118936363&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=119407570&loc=SL82919249-210447 + Details
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