|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(dollar amounts in millions) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
Consumer |
|
Total |
Year Ended December 31, 2023: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,424 |
|
|
$ |
697 |
|
|
$ |
2,121 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loan and lease charge-offs |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(270) |
|
|
(184) |
|
|
(454) |
|
Recoveries of loans and leases previously charged-off |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
112 |
|
|
69 |
|
|
181 |
|
Provision for loan and lease losses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
297 |
|
|
110 |
|
|
407 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,563 |
|
|
$ |
692 |
|
|
$ |
2,255 |
|
AULC balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
71 |
|
|
$ |
79 |
|
|
$ |
150 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Benefit for unfunded lending commitments |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(5) |
|
|
— |
|
|
(5) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
66 |
|
|
$ |
79 |
|
|
$ |
145 |
|
ACL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,629 |
|
|
$ |
771 |
|
|
$ |
2,400 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Year Ended December 31, 2022: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,462 |
|
|
$ |
568 |
|
|
$ |
2,030 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loan and lease charge-offs |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(129) |
|
|
(184) |
|
|
(313) |
|
Recoveries of loans and leases previously charged-off |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
114 |
|
|
78 |
|
|
192 |
|
Provision (benefit) for loan and lease losses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(23) |
|
|
235 |
|
|
212 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,424 |
|
|
$ |
697 |
|
|
$ |
2,121 |
|
AULC balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
41 |
|
|
$ |
36 |
|
|
$ |
77 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for unfunded lending commitments |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30 |
|
|
43 |
|
|
73 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
AULC balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
71 |
|
|
$ |
79 |
|
|
$ |
150 |
|
ACL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,495 |
|
|
$ |
776 |
|
|
$ |
2,271 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Year Ended December 31, 2021: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
ALLL balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,236 |
|
|
$ |
578 |
|
|
$ |
1,814 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loan and lease charge-offs |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(243) |
|
|
(139) |
|
|
(382) |
|
Recoveries of loans and leases previously charged-off |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
83 |
|
|
84 |
|
|
167 |
|
Provision (benefit) for loan and lease losses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
12 |
|
|
(13) |
|
|
(1) |
|
Allowance on PCD loans and leases at acquisition |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
374 |
|
|
58 |
|
|
432 |
|
ALLL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,462 |
|
|
$ |
568 |
|
|
$ |
2,030 |
|
AULC balance, beginning of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
34 |
|
|
$ |
18 |
|
|
$ |
52 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Provision for unfunded lending commitments |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
8 |
|
|
18 |
|
|
26 |
|
Unfunded lending commitment losses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1) |
|
|
— |
|
|
(1) |
|
AULC balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
41 |
|
|
$ |
36 |
|
|
$ |
77 |
|
ACL balance, end of period |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
1,503 |
|
|
$ |
604 |
|
|
$ |
2,107 |
|