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Table of Contents
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 2021
hban-20210331_g1.jpg
Huntington Bancshares Incorporated
(Exact name of registrant as specified in its charter)
Maryland
1-34073
31-0724920
(State or other jurisdiction of
incorporation or organization)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
Registrant’s address: 41 South High Street, Columbus, Ohio 43287
Registrant’s telephone number, including area code: (614480-2265
Securities registered pursuant to Section 12(b) of the Act
Title of class
Trading
Symbol(s)
Name of exchange on which registered
Depositary Shares (each representing a 1/40th interest in a share of 5.875% Series C Non-Cumulative, perpetual preferred stock)HBANNNASDAQ
Depositary Shares (each representing a 1/40th interest in a share of 6.250% Series D Non-Cumulative, perpetual preferred stock)HBANONASDAQ
Depositary Shares (each representing a 1/40th interest in a share of 4.500% Series H Non-Cumulative, perpetual preferred stock)HBANPNASDAQ
Common Stock—Par Value $0.01 per ShareHBANNASDAQ
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months and (2) has been subject to such filing requirements for the past 90 days.     x  Yes      No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).     x  Yes      No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large Accelerated FilerxAccelerated filer
Non-accelerated filerSmaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).       Yes    x  No
There were 1,018,052,923 shares of the registrant’s common stock ($0.01 par value) outstanding on March 31, 2021.


Table of Contents
HUNTINGTON BANCSHARES INCORPORATED
INDEX
 
Condensed Consolidated Balance Sheets at March 31, 2021 and December 31, 2020
2 Huntington Bancshares Incorporated

Table of Contents
Glossary of Acronyms and Terms

The following listing provides a comprehensive reference of common acronyms and terms used throughout the document:
 
ACL  Allowance for Credit Losses
AFS  Available-for-Sale
ALLL  Allowance for Loan and Lease Losses
AOCIAccumulated Other Comprehensive Income
ASC  Accounting Standards Codification
AULC  Allowance for Unfunded Loan Commitments
Basel III  Refers to the final rule issued by the FRB and OCC and published in the Federal Register on October 11, 2013
CARES ActCoronavirus Aid, Relief, and Economic Security Act, as amended
C&I  Commercial and Industrial
CCAR  Comprehensive Capital Analysis and Review
CDs  Certificates of Deposit
CECLCurrent Expected Credit Loss
CET1  Common Equity Tier 1 on a Basel III basis
CFPB  Bureau of Consumer Financial Protection
CMO  Collateralized Mortgage Obligations
COVID-19Coronavirus Disease 2019
CRE  Commercial Real Estate
EADExposure at Default
EVE  Economic Value of Equity
FASBFinancial Accounting Standards Board
FDIC  Federal Deposit Insurance Corporation
FHLB  Federal Home Loan Bank of Cincinnati
FICO  Fair Isaac Corporation
FRB  Federal Reserve Board
FTE  Fully-Taxable Equivalent
FTP  Funds Transfer Pricing
FVOFair Value Option
GAAP  Generally Accepted Accounting Principles in the United States of America
HTM  Held-to-Maturity
IRS  Internal Revenue Service
Last-of-LayerLast-of-layer is a fair value hedge of the interest rate risk of a portfolio of similar prepayable assets whereby the last dollar amount within the portfolio of assets is identified as the hedged item
LCR  Liquidity Coverage Ratio
LIBOR  London Interbank Offered Rate
LIHTC  Low Income Housing Tax Credit
MBS  Mortgage-Backed Securities
MD&A  Management’s Discussion and Analysis of Financial Condition and Results of Operations
MSR  Mortgage Servicing Right
NAICS  North American Industry Classification System
NALs  Nonaccrual Loans
NCO  Net Charge-off
NII  Noninterest Income
NIM  Net Interest Margin
NPAs  Nonperforming Assets
2021 1Q Form 10-Q 3


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OCC  Office of the Comptroller of the Currency
OCI  Other Comprehensive Income (Loss)
OLEM  Other Loans Especially Mentioned
OREO  Other Real Estate Owned
PCDPurchased-Credit-Deteriorated
PPPPaycheck Protection Program
PPPLFPaycheck Protection Program Liquidity Facility
RBHPCG  Regional Banking and The Huntington Private Client Group
ROCRisk Oversight Committee
SBASmall Business Administration
SEC  Securities and Exchange Commission
TCFTCF Financial Corporation
TDR  Troubled Debt Restructuring
U.S. Treasury  U.S. Department of the Treasury
UCS  Uniform Classification System
VIE  Variable Interest Entity
XBRL  eXtensible Business Reporting Language

4 Huntington Bancshares Incorporated

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PART I. FINANCIAL INFORMATION
When we refer to “we”, “our”, and “us”, “Huntington”, and “the Company” in this report, we mean Huntington Bancshares Incorporated and our consolidated subsidiaries, unless the context indicates that we refer only to the parent company, Huntington Bancshares Incorporated. When we refer to the “Bank” in this report, we mean our only bank subsidiary, The Huntington National Bank, and its subsidiaries.
Item 2: Management’s Discussion and Analysis of Financial Condition and Results of Operations
INTRODUCTION
We are a multi-state diversified regional bank holding company organized under Maryland law in 1966 and headquartered in Columbus, Ohio. Through the Bank, we have over 150 years of servicing the financial needs of our customers. Through our subsidiaries, we provide full-service commercial and consumer banking services, mortgage banking services, automobile financing, recreational vehicle and marine financing, equipment financing, investment management, trust services, brokerage services, insurance products and services, and other financial products and services. Our 814 full-service branches and private client group offices are located in Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia. Select financial services and other activities are also conducted in various other states. International banking services are available through the headquarters office in Columbus, Ohio. Our foreign banking activities, in total or with any individual country, are not significant.
On December 13, 2020, we announced the signing of a definitive merger agreement (the “TCF/Huntington Merger Agreement”). Under the terms of the agreement, which was unanimously approved by the boards of directors of both companies, TCF Financial Corporation, the parent company of TCF National Bank will merge into Huntington in an all-stock transaction. TCF is a financial holding company headquartered in Detroit, Michigan with reported total assets of $47.8 billion based on their balance sheet at December 31, 2020.
Under the terms of the Merger Agreement, TCF shareholders will receive 3.0028 shares of Huntington common stock for each share of TCF common stock. Holders of TCF common stock will also receive cash in lieu of fractional shares. Each outstanding share of 5.70% Series C Non-Cumulative Perpetual Preferred Stock of TCF will be converted into the right to receive one share of a newly created series of preferred stock of Huntington.
This MD&A provides information we believe necessary for understanding our financial condition, changes in financial condition, results of operations, and cash flows. The MD&A included in our 2020 Form 10-K should be read in conjunction with this MD&A as this discussion provides only material updates to the 2020 Form 10-K. This MD&A should also be read in conjunction with the Unaudited Condensed Consolidated Financial Statements, Notes to Unaudited Condensed Consolidated Financial Statements, and other information contained in this report.
EXECUTIVE OVERVIEW
Summary of 2021 First Quarter Results Compared to 2020 First Quarter
For the quarter, we reported net income of $532 million, or $0.48 per common share, compared with $48 million, or $0.03 per common share, in the year-ago quarter.
Fully-taxable equivalent net interest income was $978 million, up $182 million, or 23%, from the year-ago quarter. This increase reflected the benefit from the $12.3 billion, or 12%, increase in average earning assets and a 34 basis point increase in the FTE net interest margin to 3.48%.
The provision for credit losses decreased $501 million year-over-year to $(60) million in the 2021 first quarter. Net charge-offs decreased $53 million to $64 million. Both Commercial NCOs of $49 million and Consumer NCOs of $15 million were down on both a year-over-year basis. Total NCOs represented an annualized 0.32% of average loans and leases in the current quarter, down from 0.62% in the year-ago quarter.
Noninterest income was $395 million, up $34 million, or 9%, from the year ago quarter. Mortgage banking income increased $42 million, or 72%. Partially offsetting these increases, service charges on deposit accounts decreased $18 million, or 21%.
2021 1Q Form 10-Q 5


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Noninterest expense for the 2021 first quarter increased $141 million, or 22%, from the year-ago quarter Personnel costs increased $73 million, or 18%. Outside data processing and other services increased $30 million, or 35%. Other noninterest expense increased $22 million, or 43%, primarily reflecting a $25 million donation to The Columbus Foundation.
Common Equity Tier 1 risk-based capital ratio was 10.33%, up from 9.47% a year ago. The regulatory Tier 1 risk-based capital ratio was 13.32% compared to 10.81% at March 31, 2020. The increase in regulatory capital ratios was driven by earnings, adjusted for the CECL transition, offset by the repurchase of $5 million of common stock over the last four quarters (all during 2020 fourth quarter) and cash dividends. The balance sheet growth impact on regulatory capital ratios was largely offset by a change in asset mix during 2020 related to the PPP loans and elevated deposits at the Federal Reserve, both of which are 0% risk weighted. The regulatory Tier 1 risk-based capital ratio also reflects the issuance of $500 million of Series F preferred stock, $500 million of Series G preferred stock and $500 million of Series H preferred stock in the 2020 second quarter, 2020 third quarter, and 2021 first quarter, respectively.
Business Overview
General
Our general business objectives are:
Consistent organic revenue and balance sheet growth.
Invest in our businesses, particularly technology and risk management.
Deliver positive long-term operating leverage.
Maintain aggregate moderate-to-low risk appetite.
Disciplined capital management.
COVID-19
The COVID-19 pandemic continues to cause significant, unprecedented disruption that affects daily living and negatively impacts the economy. As further discussed in “Discussion of Results of Operations,” the current interest rate environment, borrower and counterparty credit quality and market volatility, among other factors, continue to impact our performance. Though we are unable to estimate the magnitude, we expect the pandemic and the resulting economic environment will continue to affect our future operating results.
Huntington was able to react quickly to the changes required by the pandemic because of the commitment and flexibility of its workforce coupled with well-prepared business continuity plans. While state and local governments have eased temporary business closures and we have opened our branches, we expect our colleagues who have been operating remotely to continue for a period of time. While the approved vaccines are being administered throughout our footprint, it remains unknown when, or if, there will be a return to historical norms of economic and social activity.
We continue to work with our customers to originate and renew business loans as well as originate loans made available through the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”), a lending program established as part of the relief to American consumers and businesses in the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”). Several subsequent congressional acts have reopened and extended the PPP loan program. During the 2021 first quarter, we have processed over 17,000 applications totaling approximately $1.8 billion under the reopened PPP.
Pending acquisition of TCF Financial Corporation
In late March 2021, Huntington and TCF shareholders approved the proposed merger of TCF with and into Huntington. The integration planning continues to proceed as expected. We expect that the transaction will be completed late in the second quarter of 2021, subject to regulatory approval and the satisfaction of other customary closing conditions set forth in the merger agreement.
Economy
Our first quarter results reflected a very strong beginning to what will be an important year for Huntington. The economic recovery continues to gain its footing, and we are seeing encouraging signs across our footprint and our individual businesses. Our lending pipelines are up across the board, and customer sentiment is improving —
6 Huntington Bancshares Incorporated

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supporting our confidence in more robust loan demand later in the year. Additionally, we continue to see strong core deposit inflows and expect this elevated level of liquidity will remain for some time.
DISCUSSION OF RESULTS OF OPERATIONS
This section provides a review of financial performance from a consolidated perspective. It also includes a “Significant Items” section (See Non-GAAP Financial Measures) that summarizes key issues important for a complete understanding of performance trends. Key Unaudited Condensed Consolidated Balance Sheet and Unaudited Condensed Statement of Income trends are discussed. All earnings per share data are reported on a diluted basis. For additional insight on financial performance, please read this section in conjunction with the “Business Segment Discussion”.
2021 1Q Form 10-Q 7


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Table 1 - Selected Quarterly Income Statement Data
 Three Months Ended
March 31,December 31,September 30,June 30,March 31,
(amounts in millions, except per share data)20212020202020202020
Interest income$869 $878 $892 $902 $975 
Interest expense(103)53 75 110 185 
Net interest income972 825 817 792 790 
Provision for credit losses(60)103 177 327 441 
Net interest income after provision for credit losses1,032 722 640 465 349 
Mortgage banking income100 90 122 96 58 
Service charges on deposit accounts 69 78 76 60 87 
Card and payment processing income65 65 66 59 58 
Trust and investment management services52 49 48 45 47 
Capital markets fees29 34 27 31 33 
Insurance income27 25 24 25 23 
Bank owned life insurance income16 14 17 17 16 
Gain on sale of loans13 13 
Net (losses) gains on sales of securities— — — (1)— 
Other noninterest income34 41 37 51 31 
Total noninterest income395 409 430 391 361 
Personnel costs468 426 453 418 395 
Outside data processing and other services115 111 98 90 85 
Equipment46 49 44 46 41 
Net occupancy42 39 40 39 40 
Professional services17 21 12 11 11 
Amortization of intangibles10 10 10 10 11 
Marketing14 15 
Deposit and other insurance expense
Other noninterest expense73 77 40 47 51 
Total noninterest expense793 756 712 675 652 
Income before income taxes634 375 358 181 58 
Provision for income taxes102 59 55 31 10 
Net income532 316 303 150 48 
Dividends on preferred shares31 35 28 19 18 
Net income applicable to common shares$501 $281 $275 $131 $30 
Average common shares—basic1,018 1,017 1,017 1,016 1,018 
Average common shares—diluted1,041 1,036 1,031 1,029 1,035 
Net income per common share—basic$0.49 $0.28 $0.27 $0.13 $0.03 
Net income per common share—diluted0.48 0.27 0.27 0.13 0.03 
Return on average total assets1.76 %1.04 %1.01 %0.51 %0.17 %
Return on average common shareholders’ equity18.7 10.4 10.2 5.0 1.1 
Return on average tangible common shareholders’ equity (1)23.7 13.3 13.2 6.7 1.8 
Net interest margin (2)3.48 2.94 2.96 2.94 3.14 
Efficiency ratio (3)57.0 60.2 56.1 55.9 55.4 
Effective tax rate16.1 15.8 15.2 17.2 17.0 
Revenue—FTE
Net interest income$972 $825 $817 $792 $790 
FTE adjustment
Net interest income (2)978 830 822 797 796 
Noninterest income395 409 430 391 361 
Total revenue (2)$1,373 $1,239 $1,252 $1,188 $1,157 
(1)Net income excluding expense for amortization of intangibles for the period divided by average tangible common shareholders’ equity. Average tangible common shareholders’ equity equals average total common shareholders’ equity less average intangible assets and goodwill. Expense for amortization of intangibles and average intangible assets are net of deferred tax liability, and calculated assuming a 21% tax rate.
(2)On an FTE basis assuming a 21% tax rate.
(3)Noninterest expense less amortization of intangibles and goodwill impairment divided by the sum of FTE net interest income and noninterest income excluding securities gains.
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Significant Items
Table 2 list certain items that we believe are significant to understanding corporate performance and trends (See Non-GAAP Financial Measures included in “Additional Disclosures” section). There was one Significant Item in the 2021 first quarter: $21 million of noninterest expense related to the pending acquisition of TCF. This resulted in a negative impact of $(0.02) per common share. There were no Significant Items in the other periods presented.
Table 2 - Significant Items Influencing Earnings Performance Comparison
 Three Months Ended
March 31, 2021
(dollar amounts in millions, share amounts in thousands)AmountEPS (1)
Net income$532 
Earnings per share, after-tax$0.48 
Significant Items—favorable (unfavorable) impact:EarningsEPS (1)
Mergers and acquisitions, net expenses$(21)
Tax impact
Mergers and acquisitions, after tax$(17)$(0.02)
(1)Based upon the quarterly average outstanding diluted common shares.

2021 1Q Form 10-Q 9


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Net Interest Income / Average Balance Sheet
The following tables detail the change in our average balance sheet and the net interest margin:
Table 3 - Consolidated Average Balance Sheet and Net Interest Margin Analysis
 Average Balances
Three Months EndedChange
March 31,December 31,September 30,June 30,March 31,1Q21 vs. 1Q20
(dollar amounts in millions)20212020202020202020AmountPercent
Assets:
Interest-bearing deposits in Federal Reserve Bank$6,065 $5,507 $5,857 $3,413 $680 $5,385 792 %
Interest-bearing deposits in banks177 205 177 169 150 27 18 
Securities:
Trading account securities52 53 49 39 95 (43)(45)
Available-for-sale securities:
Taxable14,827 12,048 10,670 11,179 11,671 3,156 27 
Tax-exempt2,650 2,710 2,749 2,728 2,753 (103)(4)
Total available-for-sale securities17,477 14,758 13,419 13,907 14,424 3,053 21 
Held-to-maturity securities—taxable8,269 8,844 8,932 9,798 9,428 (1,159)(12)
Other securities412 420 430 474 445 (33)(7)
Total securities26,210 24,075 22,830 24,218 24,392 1,818 
Loans held for sale1,392 1,319 1,259 1,039 865 527 61 
Loans and leases: (3)
Commercial:
Commercial and industrial34,352 34,850 34,669 35,284 30,849 3,503 11 
Commercial real estate:
Construction1,053 1,085 1,175 1,201 1,165 (112)(10)
Commercial6,122 6,092 6,045 5,885 5,566 556 10 
Commercial real estate7,175 7,177 7,220 7,086 6,731 444 
Total commercial41,527 42,027 41,889 42,370 37,580 3,947 11 
Consumer:
Automobile12,665 12,857 12,889 12,681 12,924 (259)(2)
Home equity8,809 8,919 8,878 8,897 9,026 (217)(2)
Residential mortgage12,094 12,100 11,817 11,463 11,391 703 
RV and marine4,193 4,181 4,020 3,706 3,590 603 17 
Other consumer973 1,032 1,049 1,082 1,185 (212)(18)
Total consumer38,734 39,089 38,653 37,829 38,116 618 
Total loans and leases80,261 81,116 80,542 80,199 75,696 4,565 
Allowance for loan and lease losses(1,809)(1,804)(1,720)(1,557)(1,239)(570)(46)
Net loans and leases78,452 79,312 78,822 78,642 74,457 3,995 
Total earning assets114,105 112,222 110,665 109,038 101,783 12,322 12 
Cash and due from banks1,080 1,113 1,173 1,299 914 166 18 
Intangible assets2,176 2,185 2,195 2,206 2,217 (41)(2)
All other assets7,443 7,279 7,216 7,205 6,472 971 15 
Total assets$122,995 $120,995 $119,529 $118,191 $110,147 $12,848 12 %
Liabilities and Shareholders’ Equity:
Interest-bearing deposits:
Demand deposits—interest-bearing$26,812 $25,094 23,865 $23,878 $21,202 $5,610 26 %
Money market deposits26,247 26,144 26,200 25,728 24,697 1,550 
Savings and other domestic deposits12,277 11,468 11,157 10,609 9,632 2,645 27 
Core certificates of deposit (4)1,384 1,479 2,035 3,003 3,943 (2,559)(65)
Other domestic time deposits of $250,000 or more115 139 175 230 321 (206)(64)
Brokered deposits and negotiable CDs3,355 4,100 4,182 4,114 2,884 471 16 
Total interest-bearing deposits70,190 68,424 67,614 67,562 62,679 7,511 12 
Short-term borrowings208 239 162 826 3,383 (3,175)(94)
Long-term debt7,766 8,799 9,318 9,802 10,076 (2,310)(23)
Total interest-bearing liabilities78,164 77,462 77,094 78,190 76,138 2,026 
Demand deposits—noninterest-bearing29,095 28,140 27,435 25,660 20,054 9,041 45 
All other liabilities2,412 2,452 2,322 2,396 2,319 93 
Shareholders’ equity13,324 12,941 12,678 11,945 11,636 1,688 15 
Total liabilities and shareholders’ equity$122,995 $120,995 $119,529 $118,191 $110,147 $12,848 12 %
(3)For purposes of this analysis, NALs are reflected in the average balances of loans.
(4)Includes consumer certificates of deposit of $250,000 or more.
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Table 3 - Consolidated Average Balance Sheet and Net Interest Margin Analysis (Continued)
 Average Yield Rates (2)
 Three Months Ended
March 31,December 31,September 30,June 30,March 31,
Fully-taxable equivalent basis (1)20212020202020202020
Assets:
Interest-bearing deposits in Federal Reserve Bank 0.10 %0.10 %0.10 %0.10 %1.08 %
Interest-bearing deposits in banks0.08 0.12 0.13 0.33 1.52 
Securities:
Trading account securities3.64 3.65 3.18 1.99 3.21 
Available-for-sale securities:
Taxable1.32 1.53 1.89 2.30 2.62 
Tax-exempt2.52 2.59 2.71 2.75 3.30 
Total available-for-sale securities1.50 1.72 2.06 2.39 2.75 
Held-to-maturity securities—taxable2.02 2.11 2.28 2.39 2.50 
Other securities1.66 1.85 1.23 0.57 2.07 
Total securities1.67 1.87 2.13 2.35 2.64 
Loans held for sale2.64 2.96 2.82 3.22 3.39 
Loans and leases: (3)
Commercial:
Commercial and industrial3.99 3.64 3.67 3.62 4.12 
Commercial real estate:
Construction3.41 3.36 3.40 3.66 4.75 
Commercial2.64 2.62 2.63 2.94 4.00 
Commercial real estate2.75 2.73 2.75 3.06 4.13 
Total commercial3.78 3.48 3.52 3.53 4.12 
Consumer:
Automobile3.71 3.88 3.93 3.84 4.05 
Home equity3.71 3.76 3.79 3.73 4.75 
Residential mortgage3.13 3.27 3.41 3.51 3.70 
RV and marine4.30 4.53 4.60 4.71 4.91 
Other consumer11.17 11.12 11.23 11.10 12.39 
Total consumer3.78 3.93 4.00 4.00 4.45 
Total loans and leases3.78 3.70 3.75 3.75 4.29 
Total earning assets3.11 3.13 3.22 3.35 3.88 
Liabilities:
Interest-bearing deposits:
Demand deposits—interest-bearing0.04 0.04 0.05 0.07 0.43 
Money market deposits0.06 0.10 0.28 0.40 0.81 
Savings and other domestic deposits0.04 0.05 0.06 0.10 0.17 
Core certificates of deposit (4)0.51 0.56 1.03 1.55 1.91 
Other domestic time deposits of $250,000 or more0.22 0.51 0.92 1.25 1.56 
Brokered deposits and negotiable CDs0.18 0.19 0.19 0.18 1.22 
Total interest-bearing deposits0.06 0.08 0.18 0.28 0.68 
Short-term borrowings0.19 0.26 0.30 0.47 1.46 
Long-term debt (5)(5.88)1.72 1.87 2.58 2.70 
Total interest-bearing liabilities(0.53)0.27 0.39 0.57 0.98 
Net interest rate spread3.64 2.86 2.83 2.78 2.90 
Impact of noninterest-bearing funds on margin(0.16)0.08 0.13 0.16 0.24 
Net interest margin3.48 %2.94 %2.96 %2.94 %3.14 %
(1)FTE yields are calculated assuming a 21% tax rate.
(2)    Average yield rates include the impact of applicable derivatives. Loan and lease and deposit average yield rates also include impact of applicable non-deferrable and amortized fees.
(3)    For purposes of this analysis, NALs are reflected in the average balances of loans.
(4)    Includes consumer certificates of deposit of $250,000 or more.
(5)    Reflects the net mark-to-market impact of interest rate caps of $144 million or 741 bps and $5 million or 23 bps for 1Q 2021 and 4Q 2020, respectively.
2021 1Q Form 10-Q 11


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2021 First Quarter versus 2020 First Quarter
FTE net interest income for the 2021 first quarter increased $182 million, or 23%, from the 2020 first quarter. This increase reflected a $12.3 billion, or 12%, increase in average earning assets, and a 34 basis point increase in the FTE net interest margin to 3.48%. Net interest income in the 2021 first quarter included a $144 million net mark-to-market of interest rate caps, which favorably impacted the NIM by approximately 51 basis points (and long-term debt costs by approximately 741 basis points), and $45 million of deferred PPP loan fees recognized upon receipt of forgiveness payments from the SBA, which favorably impacted the NIM by approximately 16 basis points. The year-over-year decrease in earning asset yields and average liability costs also reflected the impact of lower interest rates and changes in balance sheet mix, including elevated deposits at the Federal Reserve Bank.
Average earning assets for the 2021 first quarter increased $12.3 billion, or 12%, from the year-ago quarter, primarily reflecting a $5.4 billion, or 792%, increase in interest-bearing deposits at the Federal Reserve Bank, a $4.6 billion, or 6%, increase in average total loans and leases, and a $1.8 billion, or 7%, increase in average securities. Average C&I loans increased $3.5 billion, or 11%, primarily reflecting the $5.8 billion of average PPP loans partially offset by lower C&I and dealer floorplan utilization rates. Average residential mortgage loans increased $0.7 billion, or 6%, reflecting continued robust portfolio mortgage production. Average RV and marine loans increased $0.6 billion, or 17%, reflecting strong consumer demand and continued strong production levels.
Average total interest-bearing liabilities for the 2021 first quarter increased $2.0 billion, or 3%, from the year-ago quarter. Average total deposits increased $16.6 billion, or 20%, while average total core deposits increased $16.3 billion, or 20%. The increase in average total core deposits was primarily driven by increased liquidity levels in reaction to the economic downturn, business and commercial growth related to the PPP loans, consumer growth largely related to government stimulus, increased consumer and business banking account production, and reduced attrition. Specifically within core deposits, average total demand deposits increased $14.7 billion, or 36%, average savings and other domestic deposits increased $2.6 billion, or 27%, and average money market deposits increased $1.6 billion, or 6%. Partially offsetting these increases, average core CDs decreased $2.6 billion, or 65%, reflecting the maturity of balances related to the 2018 consumer deposit growth initiatives. Average total debt decreased $5.5 billion, or 41%, reflecting the repayment of short-term borrowings, the maturity and issuance of $3.2 billion and $1.3 billion of long-term debt, respectively, over the past five quarters, and the purchase of $0.5 billion of long-term debt under the tender offer completed in November 2020, all due to the strong core deposit growth.
2021 First Quarter versus 2020 Fourth Quarter
Compared to the 2020 fourth quarter, FTE net interest income increased $148 million, or 18%, reflecting a $1.9 billion, or 2% increase in average earning assets and 54 basis points of NIM expansion. Both the net interest income increase and the NIM expansion primarily reflected the net impacts of the mark-to-market of interest rate caps and the deferred PPP loan fees recognized upon receipt of forgiveness payments from the SBA. The mark-to-market of interest rate caps was $144 million in the 2021 first quarter compared to $5 million in the 2020 fourth quarter. The accelerated recognition of deferred PPP loan fees were $45 million in the 2021 first quarter compared to $5 million in the 2020 fourth quarter.
Average earning assets increased $1.9 billion, or 2%, primarily reflecting a $2.1 billion, or 9%, increase in average securities, partially offset by a $0.9 billion, or 1%, decrease in average loans and leases. The increase in average securities reflected the purchase of securities to deploy excess liquidity. Average C&I loans decreased $0.5 billion, or 1%, primarily reflecting the $0.4 billion decrease in average PPP loans.
Average total interest-bearing liabilities increased $0.7 billion, or 1%, when compared to the 2020 fourth quarter. Average total deposits increased $2.7 billion, or 3%, and average total core deposits increased $3.5 billion, or 4%. The increase in average total core deposits was primarily driven by consumer growth largely related to government stimulus, increased liquidity levels among our commercial customers, seasonality in government banking, and improved consumer and business banking account retention. Specifically, within core deposits, average total demand deposits increased $2.7 billion, or 5%. Average total debt decreased $1.1 billion, or 12%, primarily reflecting the maturity of $1.1 billion of long-term debt, the purchase of $0.5 billion of long-term debt under the tender offer completed in November 2020, and the repayment of short-term borrowings, all due to the strong core deposit growth.
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Provision for Credit Losses
(This section should be read in conjunction with the “Credit Risk” section.)
The provision for credit losses is the expense necessary to maintain the ALLL and the AULC at levels appropriate to absorb our estimate of credit losses expected over the life of the loan and lease portfolio and the portfolio of unfunded loan commitments and letters of credit.
The provision for credit losses for the 2021 first quarter was $(60) million, a decrease of $501 million, or 114%, compared to the 2020 first quarter. The reduction in provision expense over the prior year was primarily attributed to the improvement in the forecasted macroeconomic environment resulting from anticipated lower unemployment and higher GDP.
Noninterest Income
The following table reflects noninterest income for each of the periods presented: 
Table 4 - Noninterest Income
Three Months Ended1Q21 vs. 1Q201Q21 vs. 4Q20
March 31,December 31,March 31,ChangeChange
(dollar amounts in millions)202120202020AmountPercentAmountPercent
Mortgage banking income$100 $90 $58 $42 72 %$10 11 %
Service charges on deposit accounts 69 78 87 (18)(21)(9)(12)
Card and payment processing income65 65 58 12 — — 
Trust and investment management services52 49 47 11 
Capital markets fees29 34 33 (4)(12)(5)(15)
Insurance income27 25 23