LOANS AND LEASES

v3.23.3

LOANS AND LEASES	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES The following table provides a detailed listing of Huntington’s loan and lease portfolio at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Commercial loan and lease portfolio: Commercial and industrial $ 49,422  $ 48,121  Commercial real estate 12,668  13,640  Lease financing 5,161  5,252  Total commercial loan and lease portfolio 67,251  67,013  Consumer loan portfolio: Residential mortgage 23,427  22,226  Automobile 12,724  13,154  Home equity 10,118  10,375  RV and marine 5,937  5,376  Other consumer 1,396  1,379  Total consumer loan portfolio 53,602  52,510  Total loans and leases (1)(2) 120,853  119,523  Allowance for loan and lease losses (2,208) (2,121) Net loans and leases $ 118,645  $ 117,402  (1)Loans and leases are reported at principal amount outstanding including unamortized purchase premiums and discounts, unearned income, and net direct fees and costs associated with originating and acquiring loans and leases. The aggregate amount of these loan and lease adjustments was a net (discount) premium of $(150) million and $3 million at September 30, 2023 and December 31, 2022, respectively. (2)The total amount of accrued interest recorded for these loans and leases at September 30, 2023, was $323 million and $209 million of commercial and consumer loan and lease portfolios, respectively, and at December 31, 2022, was $274 million and $186 million of commercial and consumer loan and lease portfolios, respectively. Accrued interest is presented in accrued income and other receivables within the Consolidated Balance Sheets. Lease Financing The following table presents net investments in lease financing receivables by category at September 30, 2023 and December 31, 2022. (dollar amounts in millions) At September 30, 2023 At December 31, 2022 Lease payments receivable $ 4,867  $ 4,916  Estimated residual value of leased assets 805  788  Gross investment in lease financing receivables 5,672  5,704  Deferred origination costs 53  46  Deferred fees, unearned income and other (564) (498) Total lease financing receivables $ 5,161  $ 5,252  The carrying value of residual values guaranteed was $481 million and $466 million as of September 30, 2023 and December 31, 2022, respectively. The future lease rental payments due from customers on sales-type and direct financing leases at September 30, 2023, totaled $4.9 billion and were due as follows: $813 million in 2023, $792 million in 2024, $722 million in 2025, $778 million in 2026, $764 million in 2027, and $998 million thereafter. Interest income recognized for these types of leases was $73 million and $41 million for the three-month periods ended September 30, 2023 and 2022, respectively. For the nine-month periods ended September 30, 2023 and 2022, interest income recognized for these types of leases was $211 million and $117 million, respectively. Nonaccrual and Past Due Loans and Leases The following table presents NALs by class at September 30, 2023 and December 31, 2022: At September 30, 2023 At December 31, 2022 (dollar amounts in millions) Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Nonaccrual loans and leases with no ACL Total nonaccrual loans and leases Commercial and industrial $ 48  $ 314  $ 49  $ 288  Commercial real estate 69  102  63  92  Lease financing 3  14  —  18  Residential mortgage —  75  —  90  Automobile —  4  —  4  Home equity —  82  —  76  RV and marine —  1  —  1  Total nonaccrual loans and leases $ 120  $ 592  $ 112  $ 569  The following tables present an aging analysis of loans and leases, by class at September 30, 2023 and December 31, 2022: Past Due (1)  Loans Accounted for Under FVO Total Loans and Leases 90 or more days past due and accruing (dollar amounts in millions) 30-59  Days 60-89  Days 90 or  more days Total Current At September 30, 2023 Commercial and industrial $ 45  $ 31  $ 81  $ 157  $ 49,265  $ —  $ 49,422  $ —  Commercial real estate 21  5  27  53  12,615  —  12,668  —  Lease financing 39  18  9  66  5,095  —  5,161  7  (2) Residential mortgage 230  68  170  468  22,785  174  23,427  124  (3) Automobile 81  20  11  112  12,612  —  12,724  8  Home equity 56  28  76  160  9,957  1  10,118  19  RV and marine 17  5  3  25  5,912  —  5,937  2  Other consumer 11  5  3  19  1,377  —  1,396  3  Total loans and leases $ 500  $ 180  $ 380  $ 1,060  $ 119,618  $ 175  $ 120,853  $ 163  At December 31, 2022 Commercial and industrial $ 53  $ 19  $ 108  $ 180  $ 47,941  $ —  $ 48,121  $ 23  (4) Commercial real estate 2  1  9  12  13,628  —  13,640  —  Lease financing 36  18  10  64  5,188  —  5,252  9  (2) Residential mortgage 246  69  199  514  21,528  184  22,226  146  (3) Automobile 88  20  11  119  13,035  —  13,154  9  Home equity 56  30  66  152  10,222  1  10,375  15  RV and marine 15  5  3  23  5,353  —  5,376  3  Other consumer 13  3  3  19  1,360  —  1,379  2  Total loans and leases $ 509  $ 165  $ 409  $ 1,083  $ 118,255  $ 185  $ 119,523  $ 207  (1)NALs are included in this aging analysis based on the loan’s past due status. (2)Amounts include Huntington Technology Finance administrative lease delinquencies. (3)Amounts include mortgage loans insured by U.S. government agencies. (4)Amounts include SBA loans and leases. Credit Quality Indicators See Note 5 “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for a description of the credit quality indicators Huntington utilizes for monitoring credit quality and for determining an appropriate ACL level. For all classes within the consumer loan portfolios, borrower credit bureau scores are monitored as an indicator of credit quality. A credit bureau score is a credit score developed by FICO based on data provided by the credit bureaus. The credit bureau score is widely accepted as the standard measure of consumer credit risk used by lenders, regulators, rating agencies, and consumers. The higher the credit bureau score, the higher likelihood of repayment and therefore, an indicator of higher credit quality. Huntington assesses the risk in the loan portfolio by utilizing numerous risk characteristics. The classifications described above, and also presented in the table below, represent one of those characteristics that are closely monitored in the overall credit risk management processes. The following tables present the amortized cost basis of loans and leases by vintage and credit quality indicator at September 30, 2023 and December 31, 2022 respectively: At September 30, 2023 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 12,138  $ 11,025  $ 4,096  $ 2,354  $ 1,381  $ 1,593  $ 13,929  $ 5  $ 46,521  OLEM 98  214  81  31  15  13  344  —  796  Substandard 306  324  193  159  151  230  732  —  2,095  Doubtful 9  1  —  —  —  —  —  —  10  Total Commercial and industrial $ 12,551  $ 11,564  $ 4,370  $ 2,544  $ 1,547  $ 1,836  $ 15,005  $ 5  $ 49,422  Commercial real estate Credit Quality Indicator (1): Pass $ 1,200  $ 3,562  $ 2,050  $ 1,154  $ 1,294  $ 1,469  $ 533  $ —  $ 11,262  OLEM 117  290  116  53  33  25  1  —  635  Substandard 152  234  103  18  133  115  16  —  771  Total Commercial real estate $ 1,469  $ 4,086  $ 2,269  $ 1,225  $ 1,460  $ 1,609  $ 550  $ —  $ 12,668  Lease financing Credit Quality Indicator (1): Pass $ 1,449  $ 1,479  $ 933  $ 680  $ 298  $ 155  $ —  $ —  $ 4,994  OLEM 4  10  9  9  3  1  —  —  36  Substandard 8  49  38  13  14  8  —  —  130  Doubtful —  —  1  —  —  —  —  —  1  Total Lease financing $ 1,461  $ 1,538  $ 981  $ 702  $ 315  $ 164  $ —  $ —  $ 5,161  Residential mortgage Credit Quality Indicator (2): 750+ $ 1,609  $ 3,972  $ 6,077  $ 3,330  $ 769  $ 2,253  $ —  $ —  $ 18,010  650-749 882  1,023  970  515  188  794  —  —  4,372  <650 54  72  81  64  86  514  —  —  871  Total Residential mortgage $ 2,545  $ 5,067  $ 7,128  $ 3,909  $ 1,043  $ 3,561  $ —  $ —  $ 23,253  Automobile Credit Quality Indicator (2): 750+ $ 1,993  $ 2,158  $ 1,709  $ 862  $ 457  $ 135  $ —  $ —  $ 7,314  650-749 1,250  1,423  1,007  426  205  78  —  —  4,389  <650 164  306  294  134  75  48  —  —  1,021  Total Automobile $ 3,407  $ 3,887  $ 3,010  $ 1,422  $ 737  $ 261  $ —  $ —  $ 12,724  Home equity Credit Quality Indicator (2): 750+ $ 322  $ 443  $ 530  $ 553  $ 18  $ 261  $ 4,490  $ 231  $ 6,848  650-749 99  103  68  59  7  105  2,046  231  2,718  <650 2  6  4  3  2  45  360  129  551  Total Home equity $ 423  $ 552  $ 602  $ 615  $ 27  $ 411  $ 6,896  $ 591  $ 10,117  RV and marine Credit Quality Indicator (2): 750+ $ 1,070  $ 1,007  $ 899  $ 616  $ 308  $ 647  $ —  $ —  $ 4,547  650-749 273  256  260  164  95  222  —  —  1,270  <650 4  13  22  19  15  47  —  —  120  Total RV and marine $ 1,347  $ 1,276  $ 1,181  $ 799  $ 418  $ 916  $ —  $ —  $ 5,937  Other consumer Credit Quality Indicator (2): 750+ $ 152  $ 89  $ 44  $ 22  $ 20  $ 53  $ 398  $ 3  $ 781  650-749 75  48  19  7  6  13  366  14  548  <650 4  6  3  1  2  1  37  13  67  Total Other consumer $ 231  $ 143  $ 66  $ 30  $ 28  $ 67  $ 801  $ 30  $ 1,396  (1)Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2)Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. At December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolver Total at Amortized Cost Basis Revolver Total Converted to Term Loans (dollar amounts in millions) 2022 2021 2020 2019 2018 Prior Total Commercial and industrial Credit Quality Indicator (1): Pass $ 18,092  $ 6,742  $ 3,332  $ 2,107  $ 1,156  $ 1,186  $ 13,060  $ 3  $ 45,678  OLEM 108  139  72  21  49  26  113  —  528  Substandard 368  183  203  212  142  256  550  —  1,914  Doubtful —  —  —  —  —  1  —  —  1  Total Commercial and industrial $ 18,568  $ 7,064  $ 3,607  $ 2,340  $ 1,347  $ 1,469  $ 13,723  $ 3  $ 48,121  Commercial real estate Credit Quality Indicator (1): Pass $ 4,022  $ 3,115  $ 1,562  $ 1,662  $ 829  $ 1,020  $ 519  $ —  $ 12,729  OLEM 61  53  1  43  6  9  —  —  173  Substandard 231  116  92  74  84  140  1  —  738  Total Commercial real estate $ 4,314  $ 3,284  $ 1,655  $ 1,779  $ 919  $ 1,169  $ 520  $ —  $ 13,640  Lease financing Credit Quality Indicator (1): Pass $ 1,930  $ 1,291  $ 952  $ 447  $ 186  $ 143  $ —  $ —  $ 4,949  OLEM 32  9  15  18  6  3  —  —  83  Substandard 65  37  74  24  9  11  —  —  220  Total Lease financing $ 2,027  $ 1,337  $ 1,041  $ 489  $ 201  $ 157  $ —  $ —  $ 5,252  Residential mortgage Credit Quality Indicator (2): 750+ $ 3,666  $ 6,274  $ 3,566  $ 846  $ 469  $ 2,070  $ —  $ —  $ 16,891  650-749 1,394  1,172  617  211  137  777  —  —  4,308  <650 49  68  61  95  90  480  —  —  843  Total Residential mortgage $ 5,109  $ 7,514  $ 4,244  $ 1,152  $ 696  $ 3,327  $ —  $ —  $ 22,042  Automobile Credit Quality Indicator (2): 750+ $ 2,770  $ 2,212  $ 1,243  $ 777  $ 289  $ 98  $ —  $ —  $ 7,389  650-749 1,944  1,508  683  367  162  52  —  —  4,716  <650 307  352  173  115  67  35  —  —  1,049  Total Automobile $ 5,021  $ 4,072  $ 2,099  $ 1,259  $ 518  $ 185  $ —  $ —  $ 13,154  Home equity Credit Quality Indicator (2): 750+ $ 463  $ 573  $ 611  $ 23  $ 20  $ 301  $ 4,787  $ 252  $ 7,030  650-749 131  88  68  9  8  122  2,129  261  2,816  <650 3  3  3  2  2  51  335  129  528  Total Home equity $ 597  $ 664  $ 682  $ 34  $ 30  $ 474  $ 7,251  $ 642  $ 10,374  RV and marine Credit Quality Indicator (2): 750+ $ 1,148  $ 1,031  $ 731  $ 361  $ 354  $ 438  $ —  $ —  $ 4,063  650-749 290  315  200  118  113  169  —  —  1,205  <650 5  18  15  17  17  36  —  —  108  Total RV and marine $ 1,443  $ 1,364  $ 946  $ 496  $ 484  $ 643  $ —  $ —  $ 5,376  Other consumer Credit Quality Indicator (2): 750+ $ 207  $ 64  $ 35  $ 34  $ 13  $ 52  $ 393  $ 3  $ 801  650-749 71  30  12  15  4  14  355  16  517  <650 3  3  2  3  1  2  33  14  61  Total Other consumer $ 281  $ 97  $ 49  $ 52  $ 18  $ 68  $ 781  $ 33  $ 1,379  (1)Consistent with the credit quality disclosures, indicators for the Commercial portfolio are based on internally defined categories of credit grades. (2)Consistent with the credit quality disclosures, indicators for the Consumer portfolio are based on updated customer credit scores refreshed at least quarterly. The following tables present the gross charge-offs of loans and leases by vintage. Term Loans Gross Charge-offs by Origination Year Revolver Gross Charge-offs Revolver Converted to Term Loans Gross Charge-offs (dollar amounts in millions) 2023 2022 2021 2020 2019 Prior Total Three months ended September 30, 2023 Commercial and industrial $ 2  $ 21  $ 6  $ 6  $ 15  $ 1  $ 3  $ —  $ 54  Commercial real estate 5  6  —  —  10  —  7  —  28  Lease Financing —  3  —  —  —  —  —  —  3  Residential mortgage —  —  —  —  —  1  —  —  1  Automobile 1  5  3  1  1  1  —  —  12  Home equity —  —  —  —  —  1  —  1  2  RV and marine —  —  1  1  1  2  —  —  5  Other consumer 5  5  3  1  1  4  —  7  26  Total $ 13  $ 40  $ 13  $ 9  $ 28  $ 10  $ 10  $ 8  $ 131  Nine months ended September 30, 2023 Commercial and industrial $ 4  $ 39  $ 23  $ 13  $ 26  $ 11  $ 7  $ 1  $ 124  Commercial real estate 5  9  19  —  15  5  7  —  60  Lease Financing —  3  1  1  —  1  —  —  6  Residential mortgage —  —  1  —  —  3  —  —  4  Automobile 1  11  11  5  4  3  —  —  35  Home equity —  —  —  —  —  1  1  4  6  RV and marine —  1  2  2  2  5  —  —  12  Other consumer 8  18  11  4  4  10  —  20  75  Total $ 18  $ 81  $ 68  $ 25  $ 51  $ 39  $ 15  $ 25  $ 322  Modifications to Debtors Experiencing Financial Difficulty Effective January 1, 2023, Huntington adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to both Note 1 “Basis of Presentation” and Note 2 “Accounting Standards Update.” Huntington will modify the contractual terms of loans to a borrower experiencing financial difficulties as a way to mitigate loss, proactively work with borrowers in financial difficulty, or to comply with regulations regarding the treatment of certain bankruptcy filing and discharge situations. A debtor is considered to be experiencing financial difficulty when there is significant doubt about the debtor’s ability to make required payments on the debt or to get equivalent financing from another creditor at a market rate for similar debt. A loan placed on nonaccrual because the borrower is experiencing financial difficulty may be returned to accrual status when all contractually due interest and principal has been paid and the borrower demonstrates the financial capacity to continue to pay as agreed, with the risk of loss diminished. Reported Modification Types Modifications in the form of principal forgiveness, an interest rate reduction, an other than insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications. Huntington will generally try other forms of relief before principal forgiveness but would define any contractual reduction in the amount of principal due without receiving payment or assets as forgiveness. For the purpose of the disclosure Huntington considers any contractual change in interest rate that results in the borrower receiving a below market rate to be an interest rate reduction. Many factors can go into what is considered an other than insignificant payment delay such as the significance of the restructured payment amount relative to the normal loan payment or the relative significance of the delay to the original loan terms. Generally, Huntington would consider any delay in payment of greater than 90 days in the last 12 months to be significant. For the purpose of the disclosure modification of contingent payment features or covenants that would have accelerated payment are not considered term extensions. Following is a description of what is considered a borrower experiencing financial difficulty by the different loan types: Commercial loan modifications – Our strategy involving commercial borrowers generally includes working with these borrowers to allow them time to improve their financial position and remain a Huntington customer through restructuring their notes or to restructure elsewhere if necessary. Borrowers that are rated substandard or worse in accordance with the regulatory definition, or that cannot otherwise restructure at market terms and conditions, are considered to be experiencing financial difficulty. A subsequent restructuring or modification of a loan may occur when either the loan matures according to the terms of the modified agreement, or the borrower requests a change to the loan agreements. It is subjected to the normal underwriting standards and processes for other similar credit extensions, both new and existing. The restructured note is evaluated to determine if it is considered a new loan or a continuation of the prior loan.  Consumer loan modifications – Consumer loans in which a borrower requires a modification as a result of negative changes to their financial condition or to avoid default, generally indicate the borrower is experiencing financial difficulty. The primary modifications made to consumer loans are amortization, maturity date and interest rate changes. Consumer borrowers identified as experiencing financial difficulty are unable to refinance their loans through the Company’s normal origination channels or through other independent sources. Most, but not all, of the loans may be delinquent. The Company’s primary loan categories that receive modifications are residential mortgage, automobile, home equity, RV and marine, and other consumer loans. Impact on Credit Quality of Borrowers Experiencing Financial Difficulty Huntington’s ALLL is influenced by loan level characteristics that inform the assessed propensity to default. As such, the provision for credit losses is impacted primarily by changes in such loan level characteristics, such as payment performance. Commercial borrowers experiencing financial difficulty are risk rated to reflect the increase in default characteristics so that that the ALLL reflects the future risk of loss. Borrowers experiencing financial difficulty can be classified as either accrual or nonaccrual loans. The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification. Amortized Cost (dollar amounts in millions) Interest rate reduction Term extension Payment deferral Combo - interest rate reduction and term extension Total % of total loan class (1) Three months ended September 30, 2023 Commercial and industrial $ 1  $ 147  $ —  $ 1  $ 149  0.30  % Commercial real estate —  52  —  4  56  0.44  Residential mortgage —  15  —  1  16  0.07  Automobile —  4  —  —  4  0.03  Home equity —  —  —  3  3  0.03  Total loans to borrowers experiencing financial difficulty in which modifications were made $ 1  $ 218  $ —  $ 9  $ 228  0.19  % Nine months ended September 30, 2023 Commercial and industrial $ 33  $ 291  $ —  $ 4  $ 328  0.66  % Commercial real estate —  138  —  4  142  1.12  Residential mortgage —  50  2  3  55  0.23  Automobile —  11  —  1  12  0.09  Home equity —  1  —  8  9  0.09  RV and marine —  1  —  —  1  0.02  Other consumer 1  —  —  —  1  0.07  Total loans to borrowers experiencing financial difficulty in which modifications were made $ 34  $ 492  $ 2  $ 20  $ 548  0.45  % (1)Represents the amortized cost of loans modified during the reporting period as a percentage of the period-end loan balance by class. The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty. Interest Rate Reduction (1) Term Extension (1) Weighted-average contractual interest rate Weighted-average years added to the life From To Three months ended September 30, 2023 Commercial and industrial 10.56  % 8.11  % 1.0 Commercial real estate 13.78  9.12  0.6 Residential mortgage 6.98  5.14  8.4 Nine months ended September 30, 2023 Commercial and industrial 7.96  % 7.25  % 1.0 Commercial real estate 13.76  9.12  0.7 Residential mortgage 6.04  4.59  7.6 Automobile 6.53  6.18  2.0 Home equity 8.71  6.04  14.6 (1)     Certain disclosures related to financial effects of modifications do not include those deemed to be immaterial. The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the reporting period. At September 30, 2023 Past Due (dollar amounts in millions) 30-59  Days 60-89  Days 90 or  more days Total Current Total Commercial and industrial $ 2  $ 1  $ 3  $ 6  $ 322  $ 328  Commercial real estate —  5  1  6  136  142  Residential mortgage 10  5  7  22  33  55  Automobile 1  —  —  1  11  12  Home equity —  —  1  1  8  9  RV and marine —  —  —  —  1  1  Other consumer —  —  —  —  1  1  Total loans to borrowers experiencing financial difficulty in which modifications were made in the nine months ended September 30, 2023 $ 13  $ 11  $ 12  $ 36  $ 512  $ 548  TDR Loans The following provides additional disclosures previously required by ASC Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors, related to the three-month and nine-month period ended September 30, 2022. TDRs are modified loans where a concession was provided to a borrower experiencing financial difficulties. Loan modifications are considered TDRs when the concessions provided would not otherwise be considered. However, not all loan modifications are TDRs. See Note 1 “Significant Accounting Policies” and Note 5 “Loans and Leases” to the Consolidated Financial Statements appearing in Huntington’s 2022 Annual Report on Form 10-K for additional discussion of TDRs. The following table presents, by class and modification type, the number of contracts, post-modification outstanding balance, and the financial effects of the modification for the three-month and nine-month period ended September 30, 2022. New Troubled Debt Restructurings (1) Number of Contracts Post-modification Outstanding Recorded Investment (2) (dollar amounts in millions) Interest rate reduction Amortization or maturity date change Chapter 7 bankruptcy Other Total Three months ended September 30, 2022 Commercial and industrial 81  $ 39  $ 22  $ —  $ 13  $ 74  Commercial real estate 7  5  10  —  —  15  Residential mortgage 184  —  25  1  —  26  Automobile 697  —  6  1  —  7  Home equity 54  —  1  —  —  1  RV and marine 31  —  1  1  —  2  Other consumer 38  —  —  —  —  —  Total new TDRs 1,092  $ 44  $ 65  $ 3  $ 13  $ 125  Nine months ended September 30, 2022 Commercial and industrial 222  $ 69  $ 37  $ —  $ 14  $ 120  Commercial real estate 12  42  10  —  —  52  Residential mortgage 629  —  85  5  —  90  Automobile 1,791  —  13  2  —  15  Home equity 166  —  5  3  —  8  RV and marine 105  —  2  1  —  3  Other consumer 91  —  —  —  —  —  Total new TDRs 3,016  $ 111  $ 152  $ 11  $ 14  $ 288  (1)TDRs may include multiple concessions and the disclosure classifications are based on the primary concession provided to the borrower. (2)Post-modification balances approximate pre-modification balances. Pledged Loans The Bank has access to the Federal Reserve’s discount window and advances from the FHLB. As of September 30, 2023 and December 31, 2022, these borrowings and advances are secured by $101.5 billion and $70.9 billion, respectively, of loans.