Zions Bancorporation, National Association (ZION) 10-Q 4 Nov 21 2021 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2021	Oct. 29, 2021
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2021
Document Transition Report	false
Entity File Number	001-12307
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	87-0189025
Entity Address, Address Line One	One South Main
Entity Address, City or Town	Salt Lake City,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
City Area Code	801
Local Phone Number	844-7637
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		156,463,463
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--12-31
Entity Central Index Key	0000109380
Common stock
Document Information [Line Items]
Title of 12(b) Security	Common Stock, par value $0.001
Trading Symbol	ZION
Security Exchange Name	NASDAQ
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONP
Security Exchange Name	NASDAQ
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONO
Security Exchange Name	NASDAQ
Fixed-to-Floating Rate Subordinated Notes
Document Information [Line Items]
Title of 12(b) Security	6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Trading Symbol	ZIONL
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 597	$ 543
Money market investments:
Interest-bearing deposits	9,442	1,074
Federal funds sold and security resell agreements	1,858	5,765
Investment securities:
Held-to-maturity, at amortized cost (included $461 and $640 at fair value )	459	636
Available-for-sale, at fair value	20,461	15,731
Trading account, at fair value	305	266
Total securities	21,225	16,633
Loans held for sale	67	81
Loans held for investment, net of allowance
Loans and leases, net of unearned income and fees	50,678	53,476
Less allowance for loan losses	491	777
Loans held for investment, net of allowance	50,187	52,699
Other noninterest-bearing investments	868	817
Premises, equipment and software, net	1,282	1,209
Goodwill and intangibles	1,015	1,016
Other real estate owned	21	4
Other assets	1,744	1,638
Total assets	88,306	81,479
LIABILITIES AND SHAREHOLDERS’ EQUITY
Noninterest-bearing demand	39,150	32,494
Interest-bearing:
Savings and money market	37,046	34,571
Time	1,688	2,588
Total deposits	77,884	69,653
Federal funds purchased and other short-term borrowings	579	1,572
Long-term debt	1,020	1,336
Reserve for unfunded lending commitments	38	58
Other liabilities	1,011	974
Total liabilities	80,532	73,593
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	440	566
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 156,530 and 164,090 shares) and additional paid-in capital	2,245	2,686
Retained earnings	5,025	4,309
Accumulated other comprehensive income (loss)	64	325
Total shareholders’ equity	7,774	7,886
Total liabilities and shareholders’ equity	$ 88,306	$ 81,479

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Investment securities:
Held-to-maturity, Estimated fair value	$ 461	$ 640
Shareholders’ equity:
Preferred stock, shares authorized (in shares)	4,400,000	4,400,000
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, shares authorized (in shares)	350,000,000	350,000,000
Common stock, shares issued (in shares)	156,530,000	164,090,000
Common stock, outstanding shares (in shares)	156,530,000	164,090,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest income:
Interest and fees on loans	$ 484	$ 505	$ 1,464	$ 1,551
Interest on money market investments	7	2	14	11
Interest on securities	78	74	223	235
Total interest income	569	581	1,701	1,797
Interest expense:
Interest on deposits	7	18	23	92
Interest on short- and long-term borrowings	7	8	23	40
Total interest expense	14	26	46	132
Net interest income	555	555	1,655	1,665
Provision for loan losses	(45)	45	(281)	446
Provision for unfunded lending commitments	(1)	10	(20)	35
Total provision for credit losses	(46)	55	(301)	481
Net interest income after provision for credit losses	601	500	1,956	1,184
Noninterest income:
Commercial account fees	34	32	100	93
Card fees	25	21	70	61
Retail and business banking fees	20	17	55	50
Loan-related fees and income	27	32	73	84
Capital markets and foreign exchange fees	17	16	49	58
Wealth management fees	13	10	37	32
Other customer-related fees	15	11	39	33
Customer-related fees	151	139	423	411
Fair value and nonhedge derivative gain (loss)	2	8	15	(15)
Dividends and other investment income	9	6	24	17
Securities gains (losses), net	(23)	4	51	(5)
Total noninterest income	139	157	513	408
Noninterest expense:
Salaries and employee benefits	285	269	845	810
Occupancy, net	33	33	99	97
Furniture, equipment and software, net	31	32	95	97
Other real estate expense, net	0	0	0	0
Credit-related expense	7	6	19	16
Professional and legal services	16	12	53	34
Advertising	4	7	13	13
FDIC premiums	5	7	18	18
Other	48	76	150	194
Total noninterest expense	429	442	1,292	1,279
Income before income taxes	311	215	1,177	313
Income taxes	71	40	261	58
Net income	240	175	916	255
Preferred stock dividends	(6)	(8)	(23)	(25)
Net earnings applicable to common shareholders	$ 234	$ 167	$ 893	$ 230
Weighted average common shares outstanding during the period:
Basic shares (in shares)	160,221	163,608	162,159	163,764
Diluted shares (in shares)	160,480	163,779	162,460	166,029
Net earnings per common share:
Basic (in dollars per share)	$ 1.45	$ 1.01	$ 5.44	$ 1.40
Diluted (in dollars per share)	$ 1.45	$ 1.01	$ 5.43	$ 1.38

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income for the period	$ 240	$ 175	$ 916	$ 255
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	(95)	(13)	(225)	229
Net unrealized gains (losses) on other noninterest-bearing investments	0	2	3	(4)
Net unrealized holding gains (losses) on derivative instruments	(4)	(1)	(4)	75
Reclassification adjustment for increase in interest income recognized in earnings on derivative instruments	(12)	(11)	(35)	(24)
Reclassification to earnings for termination of pension plan	0	0	0	13
Other comprehensive income (loss)	(111)	(23)	(261)	289
Comprehensive income	$ 129	$ 152	$ 655	$ 544

Consolidated Statements of Chan

Consolidated Statements of Changes In Shareholders' Equity - USD ($) $ in Millions	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred stock	Common stock	Accumulated paid-in capital	Retained earnings	Retained earningsCumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income (loss)
Balance at beginning of period at Dec. 31, 2019	$ 7,353	$ 20	$ 566	$ 0	$ 2,735	$ 4,009	$ 20	$ 43
Balance at beginning of period (in shares) at Dec. 31, 2019				165,057,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	255					255
Other comprehensive income (loss), net of tax	289							289
Bank common stock repurchased (in shares)				(1,680,000)
Bank common stock repurchased	(75)				(75)
Net shares issued from stock warrant exercises (in shares)				1,000
Net activity under employee plans and related tax benefits (in shares)				631,000
Net activity under employee plans and related tax benefits	20				20
Dividends on preferred stock	(25)					(25)
Dividends on common stock	(169)					(169)
Balance at end of period at Sep. 30, 2020	7,668		566	$ 0	2,680	4,090		332
Balance at end of period (in shares) at Sep. 30, 2020				164,009,000
Balance at beginning of period at Jun. 30, 2020	7,575		566	$ 0	2,675	3,979		355
Balance at beginning of period (in shares) at Jun. 30, 2020				163,978,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	175					175
Other comprehensive income (loss), net of tax	(23)							(23)
Net activity under employee plans and related tax benefits (in shares)				31,000
Net activity under employee plans and related tax benefits	5				5
Dividends on preferred stock	(9)					(9)
Dividends on common stock	(56)					(56)
Change in deferred compensation	1					1
Balance at end of period at Sep. 30, 2020	7,668		566	$ 0	2,680	4,090		332
Balance at end of period (in shares) at Sep. 30, 2020				164,009,000
Balance at beginning of period at Dec. 31, 2020	$ 7,886		566	$ 0	2,686	4,309		325
Balance at beginning of period (in shares) at Dec. 31, 2020	164,090,000			164,090,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 916					916
Other comprehensive income (loss), net of tax	(261)							(261)
Preferred stock redemption	$ (126)		(126)		3	(3)
Bank common stock repurchased (in shares)	(8,500,000)			(8,519,000)
Bank common stock repurchased	$ (475)				(475)
Net activity under employee plans and related tax benefits (in shares)				959,000
Net activity under employee plans and related tax benefits	31				31
Dividends on preferred stock	(23)					(23)
Dividends on common stock	(174)					(174)
Balance at end of period at Sep. 30, 2021	$ 7,774		440	$ 0	2,245	5,025		64
Balance at end of period (in shares) at Sep. 30, 2021	156,530,000			156,530,000
Balance at beginning of period at Jun. 30, 2021	$ 8,033		440	$ 0	2,565	4,853		175
Balance at beginning of period (in shares) at Jun. 30, 2021				162,248,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	240					240
Other comprehensive income (loss), net of tax	(111)							(111)
Bank common stock repurchased (in shares)				(5,772,000)
Bank common stock repurchased	(325)				(325)
Net activity under employee plans and related tax benefits (in shares)				54,000
Net activity under employee plans and related tax benefits	5				5
Dividends on preferred stock	(6)					(6)
Dividends on common stock	(62)					(62)
Balance at end of period at Sep. 30, 2021	$ 7,774		$ 440	$ 0	$ 2,245	$ 5,025		$ 64
Balance at end of period (in shares) at Sep. 30, 2021	156,530,000			156,530,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 0.38	$ 0.34	$ 1.06	$ 1.02

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 916	$ 255
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	(301)	481
Depreciation and amortization	(22)	75
Share-based compensation	23	22
Deferred income tax expense (benefit)	108	(97)
Net decrease in trading securities	(39)	(16)
Net decrease (increase) in loans held for sale	13	(2)
Change in other liabilities	14	31
Change in other assets	(177)	(185)
Other, net	(72)	(16)
Net cash provided by operating activities	463	548
CASH FLOWS FROM INVESTING ACTIVITIES
Net increase in money market investments	(4,461)	(2,433)
Proceeds from maturities and paydowns of investment securities held-to-maturity	433	250
Purchases of investment securities held-to-maturity	(256)	(250)
Proceeds from sales, maturities and paydowns of investment securities available-for-sale	3,611	3,198
Purchases of investment securities available-for-sale	(8,730)	(3,907)
Net change in loans and leases	2,957	(6,004)
Purchases and sales of other noninterest-bearing investments	18	56
Purchases of premises and equipment	(153)	(123)
Other, net	8	32
Net cash used in investing activities	(6,573)	(9,181)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	8,230	10,008
Net change in short-term funds borrowed	(993)	(801)
Cash paid for preferred stock redemption	(126)	0
Redemption of long-term debt	(281)	(429)
Proceeds from the issuance of common stock	17	5
Dividends paid on common and preferred stock	(199)	(195)
Bank common stock repurchased	(475)	(76)
Other, net	(9)	(8)
Net cash provided by financing activities	6,164	8,504
Net increase (decrease) in cash and due from banks	54	(129)
Cash and due from banks at beginning of period	543	705
Cash and due from banks at end of period	597	576
Cash paid for interest	61	164
Net cash paid for income taxes	442	148
Noncash activities are summarized as follows:
Loans held for investment transferred to other real estate owned	22	2
Loans held for investment reclassified to loans held for sale, net	$ 55	$ (21)

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). Operating results for the nine months ended September 30, 2021 and 2020 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. The consolidated balance sheet at December 31, 2020 is from the audited financial statements at that date, but does not include all the information and footnotes required by GAAP for complete financial statements. For further information, refer to the consolidated financial statements and accompanying footnotes included in our 2020 Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity. Zions Bancorporation, N.A. is a commercial bank headquartered in Salt Lake City, Utah. We provide a wide range of banking products and related services in 11 Western and Southwestern states through seven separately managed “affiliates,” or “affiliate banks,” each with its own local branding and management team, including Zions Bank, in Utah, Idaho and Wyoming; Amegy Bank (“Amegy”), in Texas; California Bank & Trust (“CB&T”); National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under the name The Commerce Bank of Oregon in Oregon.

Recent Accounting Pronouncement

Recent Accounting Pronouncements and Developments	9 Months Ended
	Sep. 30, 2021
Accounting Policies [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS	RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTSThere have been no significant changes to recent accounting pronouncements and developments and their potential impact to our financial statements or operations. For more information, see Note 2 of our 2020 Form 10-K.

Fair Value

Fair Value	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair Value Measurements Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. For more information about our valuation methodologies for assets and liabilities measured at fair value and the fair value hierarchy, see Note 3 of our 2020 Form 10-K. Quantitative Disclosure by Fair Value Hierarchy Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows: (In millions) September 30, 2021 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 128 $ 18,702 $ — $ 18,830 Municipal securities 1,556 1,556 Other debt securities 75 75 Total available-for-sale 128 20,333 — 20,461 Trading account 66 239 305 Other noninterest-bearing investments: Bank-owned life insurance 535 535 Private equity investments 1 50 72 122 Other assets: Agriculture loan servicing and interest-only strips 14 14 Deferred compensation plan assets 137 137 Derivatives: Derivatives designated as hedges 10 10 Derivatives not designated as hedges: Interest rate 248 248 Foreign exchange 4 4 Total assets $ 385 $ 21,365 $ 86 $ 21,836 LIABILITIES Securities sold, not yet purchased $ 32 $ — $ — $ 32 Other liabilities: Derivatives: Derivatives not designated as hedges: Interest rate 41 41 Foreign exchange 4 4 Total liabilities $ 36 $ 41 $ — $ 77 1 The Level 1 private equity investments relate to the portion of our SBIC investments that are now publicly traded. (In millions) December 31, 2020 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 192 $ 13,944 $ — $ 14,136 Municipal securities 1,420 1,420 Other debt securities 175 175 Total available-for-sale 192 15,539 — 15,731 Trading account 111 155 266 Other noninterest-bearing investments: Bank-owned life insurance 532 532 Private equity investments 80 80 Other assets: Agriculture loan servicing and interest-only strips 16 16 Deferred compensation plan assets 120 120 Derivatives: Derivatives designated as hedges 3 3 Derivatives not designated as hedges: Interest rate 411 411 Foreign exchange 4 4 Total assets $ 427 $ 16,640 $ 96 $ 17,163 LIABILITIES Securities sold, not yet purchased $ 61 $ — $ — $ 61 Other liabilities: Derivatives: Derivatives not designated as hedges: Interest rate 34 34 Foreign exchange 4 4 Total liabilities $ 65 $ 34 $ — $ 99 Level 3 Valuations Our Level 3 holdings include private equity investments (“PEIs”), agriculture loan servicing, and interest-only strips. For additional information regarding our Level 3 financial instruments, including the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2020 Form 10-K. Rollforward of Level 3 Fair Value Measurements The following schedule presents the changes to the assets and liabilities measured at fair value by class on a recurring basis using Level 3 inputs: Level 3 Instruments Three Months Ended Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 (In millions) Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Balance at beginning of period $ 72 $ 15 $ 77 $ 17 $ 80 $ 16 $ 107 $ 18 Unrealized securities gains (losses), net 10 — 1 — 79 — (24) — Other noninterest income (expense) — (1) — — — (2) — (1) Purchases 4 — 3 — 10 — 7 — Cost of investments sold (13) — — — (19) — (9) — Transfers out 1 (1) — — — (78) — — — Balance at end of period $ 72 $ 14 $ 81 $ 17 $ 72 $ 14 $ 81 $ 17 1 Represents the transfer of the SBIC investments that are now publicly traded out of Level 3 and into Level 1. The rollforward of Level 3 fair value measurements includes the following realized gains and losses in the income statement: (In millions) Three Months Ended Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 Securities gains (losses), net $ (6) $ — $ (11) $ 15 Nonrecurring Fair Value Measurements The following schedule presents asset balances at period end that had fair value changes measured on a nonrecurring basis: (In millions) Fair value at September 30, 2021 Fair value at December 31, 2020 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Private equity investments $ — $ — $ — $ — $ — $ — $ 1 $ 1 Collateral-dependent loans — 1 — 1 — 14 — 14 Other real estate owned (OREO) — — — — — 1 — 1 Total $ — $ 1 $ — $ 1 $ — $ 15 $ 1 $ 16 The fair values presented above may not be current as of the periods presented, but rather as of the date the fair value change occurred, such as a charge for impairment. Accordingly, carrying values may not equal current fair value. PEIs carried at cost were $18 million at September 30, 2021 and $8 million at December 31, 2020. Other noninterest-bearing investments carried at cost were $102 million at September 30, 2021 and $109 million at December 31, 2020, which were comprised of Federal Reserve and FHLB stock. PEIs accounted for using the equity method were $74 million at September 30, 2021 and $61 million at December 31, 2020. Collateral-dependent loans were measured at the lower of amortized cost or the fair value of the collateral. Other real estate owned (“OREO”) assets were measured initially at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value. For additional information regarding the measurement of fair value for impaired loans, collateral-dependent loans, and OREO, see Note 3 of our 2020 Form 10-K. Fair Value of Certain Financial Instruments Following is a summary of the carrying values and estimated fair values of certain financial instruments: September 30, 2021 December 31, 2020 (In millions) Carrying Estimated Level Carrying Estimated Level Financial assets: HTM investment securities $ 459 $ 461 2 $ 636 $ 640 2 Loans and leases (including loans held for sale), net of allowance 50,254 50,648 3 52,780 53,221 3 Financial liabilities: Time deposits 1,688 1,695 2 2,588 2,603 2 Long-term debt 1,020 1,056 2 1,336 1,346 2 This summary excludes financial assets and liabilities for which carrying value approximates fair value and financial instruments that are recorded at fair value on a recurring basis. For additional information regarding the financial instruments within the scope of this disclosure, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2020 Form 10-K.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	9 Months Ended
	Sep. 30, 2021
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES Security repurchase and reverse repurchase (“resell”) agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds purchased and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in our balance sheet. See Note 7 for further information regarding derivative instruments. Gross and net information for certain financial instruments in the balance sheet is summarized as follows: September 30, 2021 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 1,858 $ — $ 1,858 $ — $ — $ 1,858 Derivatives (included in other assets) 262 — 262 (13) — 249 Total assets $ 2,120 $ — $ 2,120 $ (13) $ — $ 2,107 Liabilities: Federal funds purchased and other short-term borrowings $ 579 $ — $ 579 $ — $ — $ 579 Derivatives (included in other liabilities) 45 — 45 (13) (3) 29 Total liabilities $ 624 $ — $ 624 $ (13) $ (3) $ 608 December 31, 2020 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 6,457 $ (692) $ 5,765 $ — $ — $ 5,765 Derivatives (included in other assets) 418 — 418 (4) (3) 411 Total assets $ 6,875 $ (692) $ 6,183 $ (4) $ (3) $ 6,176 Liabilities: Federal funds purchased and other short-term borrowings $ 2,264 $ (692) $ 1,572 $ — $ — $ 1,572 Derivatives (included in other liabilities) 38 — 38 (4) (26) 8 Total liabilities $ 2,302 $ (692) $ 1,610 $ (4) $ (26) $ 1,580

Investments

Investments	9 Months Ended
	Sep. 30, 2021
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as held-to-maturity (“HTM”), AFS, or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. AFS securities are carried at fair value and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to accumulated other comprehensive income (“AOCI”), net of related taxes. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The carrying values of our securities do not include accrued interest receivables of $57 million and $54 million at September 30, 2021 and December 31, 2020, respectively. These receivables are presented in the Consolidated Balance Sheet within the “Other Assets” line item. See Note 5 of our 2020 Form 10-K for more information related to our accounting for investment securities. See also Note 3 of our 2020 Form 10-K for discussion on our process to estimate fair value for investment securities. The following schedule summarizes the amortized cost and estimated fair values of our HTM and AFS securities: September 30, 2021 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 459 $ 4 $ 2 $ 461 Available-for-sale U.S. Treasury securities 155 — 27 128 U.S. Government agencies and corporations: Agency securities 874 21 — 895 Agency guaranteed mortgage-backed securities 16,841 153 175 16,819 Small Business Administration loan-backed securities 1,015 3 30 988 Municipal securities 1,513 48 5 1,556 Other debt securities 75 — — 75 Total available-for-sale 20,473 225 237 20,461 Total HTM and AFS investment securities $ 20,932 $ 229 $ 239 $ 20,922 December 31, 2020 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 636 $ 5 $ 1 $ 640 Available-for-sale U.S. Treasury securities 205 — 13 192 U.S. Government agencies and corporations: Agency securities 1,051 40 — 1,091 Agency guaranteed mortgage-backed securities 11,439 262 8 11,693 Small Business Administration loan-backed securities 1,195 — 35 1,160 Municipal securities 1,352 68 — 1,420 Other debt securities 175 — — 175 Total available-for-sale 15,417 370 56 15,731 Total HTM and AFS investment securities $ 16,053 $ 375 $ 57 $ 16,371 Maturities The following schedule shows the amortized cost and weighted average yields of investment debt securities by contractual maturity of principal payments at September 30, 2021. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. September 30, 2021 Total debt investment securities Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity Municipal securities 1 $ 459 3.23 % $ 40 3.52 % $ 139 3.54 % $ 170 2.84 % $ 110 3.33 % Available-for-sale U.S. Treasury securities 155 1.28 — — — — — — 155 1.28 U.S. Government agencies and corporations: Agency securities 874 2.07 — — 351 1.36 274 2.43 249 2.66 Agency guaranteed mortgage-backed securities 16,841 1.60 — — 396 1.37 807 1.56 15,638 1.60 Small Business Administration loan-backed securities 1,015 1.36 — — 50 1.38 127 1.56 838 1.33 Municipal securities 1 1,513 2.34 102 1.99 658 2.51 494 2.17 259 2.38 Other debt securities 75 2.16 — — — — 60 1.99 15 2.85 Total available-for-sale securities 20,473 1.66 102 1.99 1,455 1.88 1,762 1.88 17,154 1.62 Total HTM and AFS investment securities $ 20,932 1.69 % $ 142 2.42 % $ 1,594 2.03 % $ 1,932 1.96 % $ 17,264 1.63 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis. The following schedule summarizes the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position: September 30, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 2 $ 121 $ — $ 13 $ 2 $ 134 Available-for-sale U.S. Treasury securities — — 27 128 27 128 U.S. Government agencies and corporations: Agency securities — 110 — 1 — 111 Agency guaranteed mortgage-backed securities 155 10,434 20 534 175 10,968 Small Business Administration loan-backed securities — — 30 809 30 809 Municipal securities 5 377 — 2 5 379 Other — — — — — — Total available-for-sale 160 10,921 77 1,474 237 12,395 Total HTM and AFS investment securities $ 162 $ 11,042 $ 77 $ 1,487 $ 239 $ 12,529 December 31, 2020 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 1 $ 96 $ — $ 12 $ 1 $ 108 Available-for-sale U.S. Treasury securities 13 142 — — 13 142 U.S. Government agencies and corporations: Agency securities — 6 — 2 — 8 Agency guaranteed mortgage-backed securities 7 1,197 1 179 8 1,376 Small Business Administration loan-backed securities — 15 35 1,068 35 1,083 Municipal securities — 19 — — — 19 Other — 150 — — — 150 Total available-for-sale 20 1,529 36 1,249 56 2,778 Total HTM and AFS investment securities $ 21 $ 1,625 $ 36 $ 1,261 $ 57 $ 2,886 Approximately 122 and 119 HTM and 1,241 and 549 AFS investment securities were in an unrealized loss position at September 30, 2021, and December 31, 2020, respectively. Impairment We review investment securities quarterly on an individual security basis for the presence of impairment. For additional information on our policy and impairment evaluation process for investment securities, see Note 5 of our 2020 Form 10-K. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during the first nine months of 2021. Unrealized losses relate to changes in interest rates subsequent to purchase and are not attributable to credit. At September 30, 2021, we had not initiated any sales of AFS securities, nor did we have an intent to sell any identified securities with unrealized losses. We do not believe it is more likely than not that we would be required to sell such securities before recovery of their amortized cost basis. HTM Impairment For HTM securities, the ACL is estimated consistent with the approach described in Note 6 for loans carried at amortized cost. The ACL on HTM securities was less than $1 million at September 30, 2021. No HTM securities were past due at September 30, 2021. The amortized cost basis of HTM securities categorized by year of issuance and risk classification as monitored by management is summarized as follows: September 30, 2021 Amortized cost basis by year of issuance (In millions) 2021 2020 2019 2018 2017 Prior Total Securities Held-to-maturity: Pass $ 96 $ 124 $ 10 $ — $ 8 $ 220 $ 458 Accruing substandard — — — — — 1 1 Total held-to-maturity $ 96 $ 124 $ 10 $ — $ 8 $ 221 $ 459 Securities Gains and Losses Recognized in Income The following summarizes gains and losses recognized in income: Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 (In millions) Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Other noninterest-bearing investments $ 6 $ 29 $ 5 $ 1 $ 86 $ 35 $ 13 $ 18 Net gains (losses) 1 $ (23) $ 4 $ 51 $ (5) 1 Net gains (losses) were recognized in securities gains (losses) in the income statement. Interest income by investment security type is as follows: Three Months Ended September 30, 2021 2020 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 3 $ 1 $ 4 $ 2 $ 3 $ 5 Available-for-sale 64 8 72 61 6 67 Trading — 2 2 — 2 2 Total securities $ 67 $ 11 $ 78 $ 63 $ 11 $ 74 Nine Months Ended September 30, 2021 2020 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 8 $ 4 $ 12 $ 7 $ 8 $ 15 Available-for-sale 182 22 204 196 19 215 Trading — 7 7 — 5 5 Total $ 190 $ 33 $ 223 $ 203 $ 32 $ 235 Investment securities with a carrying value of approximately $2.4 billion and $2.3 billion at September 30, 2021 and December 31, 2020, respectively, were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

Loans, Leases, and Allowance fo

Loans, Leases, and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES	LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES Loans, Leases, and Loans Held for Sale Loans and leases are summarized as follows according to major portfolio segment and specific loan class: (In millions) September 30, December 31, Loans held for sale $ 67 $ 81 Commercial: Commercial and industrial $ 13,230 $ 13,444 PPP 3,080 5,572 Leasing 293 320 Owner-occupied 8,446 8,185 Municipal 3,400 2,951 Total commercial 28,449 30,472 Commercial real estate: Construction and land development 2,843 2,345 Term 9,310 9,759 Total commercial real estate 12,153 12,104 Consumer: Home equity credit line 2,834 2,745 1-4 family residential 6,140 6,969 Construction and other consumer real estate 584 630 Bankcard and other revolving plans 395 432 Other 123 124 Total consumer 10,076 10,900 Total loans and leases $ 50,678 $ 53,476 Loans and leases are presented at their amortized cost basis, which includes net unamortized purchase premiums, discounts, and deferred loan fees and costs totaling $117 million and $149 million at September 30, 2021 and December 31, 2020, respectively. Amortized cost basis does not include accrued interest receivables of $175 million and $200 million at September 30, 2021 and December 31, 2020, respectively. These receivables are presented in the Consolidated Balance Sheet within the “Other Assets” line item. Municipal loans generally include loans to state and local governments (“municipalities”) with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment. Land acquisition and development loans included in the construction and land development loan portfolio were $146 million at September 30, 2021 and $156 million at December 31, 2020. Loans with a carrying value of $27.5 billion at September 30, 2021 and $24.7 billion at December 31, 2020 have been pledged at the Federal Reserve and the FHLB of Des Moines as collateral for potential borrowings. We sold loans totaling $384 million and $1.2 billion for the three and nine months ended September 30, 2021 and $463 million and $1.4 billion for the three and nine months ended September 30, 2020, respectively, that were classified as loans held for sale. The sold loans were derecognized from the balance sheet. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of SBA loans that are primarily sold to U.S. government agencies or participated to third parties. They do not consist of loans from the SBA's Paycheck Protection Program. At times, we have continuing involvement in the sold loans in the form of servicing rights or guarantees. Amounts added to loans held for sale during these same periods were $387 million and $1.2 billion for the three and nine months ended September 30, 2021 and $480 million and $1.4 billion for the three and nine months ended September 30, 2020, respectively. See Note 5 for further information regarding guaranteed securities. The principal balance of sold loans for which we retain servicing was approximately $3.1 billion at September 30, 2021, and $2.7 billion at December 31, 2020. The total income from loans sold, excluding servicing, was $12 million and $30 million for the three and nine months ended September 30, 2021, and $18 million and $44 million for the three and nine months ended September 30, 2020, respectively. Allowance for Credit Losses The allowance for credit losses (“ACL”), which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2020 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion of our estimate of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. Changes in the ACL are summarized as follows: Three Months Ended September 30, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 321 $ 111 $ 103 $ 535 Provision for loan losses (25) (10) (10) (45) Gross loan and lease charge-offs 4 — 4 8 Recoveries 7 — 2 9 Net loan and lease charge-offs (recoveries) (3) — 2 (1) Balance at end of period $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments Balance at beginning of period $ 21 $ 10 $ 8 $ 39 Provision for unfunded lending commitments (2) — 1 (1) Balance at end of period $ 19 $ 10 $ 9 $ 38 Total allowance for credit losses at end of period Allowance for loan losses $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments 19 10 9 38 Total allowance for credit losses $ 318 $ 111 $ 100 $ 529 Nine Months Ended September 30, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 464 $ 171 $ 142 $ 777 Provision for loan losses (162) (70) (49) (281) Gross loan and lease charge-offs 27 — 10 37 Recoveries 24 — 8 32 Net loan and lease charge-offs (recoveries) 3 — 2 5 Balance at end of period $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments Balance at beginning of period $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (11) (10) 1 (20) Balance at end of period $ 19 $ 10 $ 9 $ 38 Total allowance for credit losses at end of period Allowance for loan losses $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments 19 10 9 38 Total allowance for credit losses $ 318 $ 111 $ 100 $ 529 Three Months Ended September 30, 2020 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 571 $ 144 $ 145 $ 860 Provision for loan losses 41 6 (2) 45 Gross loan and lease charge-offs 54 1 3 58 Recoveries 4 — 2 6 Net loan and lease charge-offs (recoveries) 50 1 1 52 Balance at end of period $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments Balance at beginning of period $ 27 $ 20 $ 7 $ 54 Provision for unfunded lending commitments 14 (4) — 10 Balance at end of period $ 41 $ 16 $ 7 $ 64 Total allowance for credit losses at end of period Allowance for loan losses $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments 41 16 7 64 Total allowance for credit losses $ 603 $ 165 $ 149 $ 917 Nine Months Ended September 30, 2020 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 282 $ 69 $ 146 $ 497 Provision for loan losses 364 81 1 446 Gross loan and lease charge-offs 95 1 11 107 Recoveries 11 — 6 17 Net loan and lease charge-offs (recoveries) 84 1 5 90 Balance at end of period $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments Balance at beginning of period $ 11 $ 12 $ 6 $ 29 Provision for unfunded lending commitments 30 4 1 35 Balance at end of period $ 41 $ 16 $ 7 $ 64 Total allowance for credit losses at end of period Allowance for loan losses $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments 41 16 7 64 Total allowance for credit losses $ 603 $ 165 $ 149 $ 917 Nonaccrual Loans Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well-secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral-value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain. A nonaccrual loan may be returned to accrual status when (1) all delinquent interest and principal become current in accordance with the terms of the loan agreement, (2) the loan, if secured, is well-secured, (3) the borrower has paid according to the contractual terms for a minimum of six months, and (4) an analysis of the borrower indicates a reasonable assurance of the borrower's ability and willingness to maintain payments. The amortized cost basis of loans on nonaccrual status is summarized as follows: September 30, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 27 $ 130 $ 157 $ 30 Owner-occupied 41 26 67 3 Total commercial 68 156 224 33 Commercial real estate: Term 11 14 25 1 Total commercial real estate 11 14 25 1 Consumer: Home equity credit line 5 10 15 3 1-4 family residential 12 46 58 6 Bankcard and other revolving plans — 1 1 — Total consumer loans 17 57 74 9 Total $ 96 $ 227 $ 323 $ 43 December 31, 2020 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 73 $ 67 $ 140 $ 22 Owner-occupied 38 38 76 4 Total commercial 111 105 216 26 Commercial real estate: Term 12 19 31 3 Total commercial real estate 12 19 31 3 Consumer: Home equity credit line 2 14 16 3 1-4 family residential 14 89 103 9 Bankcard and other revolving plans — 1 1 1 Total consumer loans 16 104 120 13 Total $ 139 $ 228 $ 367 $ 42 For accruing loans, interest is accrued and interest payments are recognized into interest income according to the contractual loan agreement. For nonaccruing loans, the accrual of interest is discontinued, any uncollected or accrued interest is reversed or written-off from interest income in a timely manner (generally within one month), and any payments received on these loans are not recognized into interest income, but are applied as a reduction to the principal outstanding. For the three and nine months ended September 30, 2021 and 2020, there was no interest income recognized on a cash basis during the period the loans were on nonaccrual. The amount of accrued interest receivables written-off by reversing interest income during the period is summarized by loan portfolio segment as follows: Three Months Ended Nine Months Ended (In millions) 2021 2020 2021 2020 Commercial $ 3 $ 5 $ 11 $ 13 Commercial real estate 1 1 1 2 Consumer — — — — Total $ 4 $ 6 $ 12 $ 15 Past Due Loans Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credits, such as bankcard and other revolving credit plans, are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semi-annual, etc.), single payment, and demand notes, are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more. Past due loans (accruing and nonaccruing) are summarized as follows: September 30, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,191 $ 16 $ 23 $ 39 $ 13,230 $ 2 $ 133 PPP 3,078 2 — 2 3,080 — — Leasing 293 — — — 293 — — Owner-occupied 8,362 66 18 84 8,446 2 49 Municipal 3,400 — — — 3,400 — — Total commercial 28,324 84 41 125 28,449 4 182 Commercial real estate: Construction and land development 2,824 19 — 19 2,843 — — Term 9,288 7 15 22 9,310 — 7 Total commercial real estate 12,112 26 15 41 12,153 — 7 Consumer: Home equity credit line 2,828 2 4 6 2,834 — 10 1-4 family residential 6,103 8 29 37 6,140 — 27 Construction and other consumer real estate 584 — — — 584 — — Bankcard and other revolving plans 391 3 1 4 395 — 1 Other 122 1 — 1 123 — — Total consumer loans 10,028 14 34 48 10,076 — 38 Total $ 50,464 $ 124 $ 90 $ 214 $ 50,678 $ 4 $ 227 December 31, 2020 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,388 $ 26 $ 30 $ 56 $ 13,444 $ 2 $ 109 PPP 5,572 — — — 5,572 — — Leasing 320 — — — 320 — 1 Owner-occupied 8,129 34 22 56 8,185 — 48 Municipal 2,951 — — — 2,951 — — Total commercial 30,360 60 52 112 30,472 2 158 Commercial real estate: Construction and land development 2,341 — 4 4 2,345 4 — Term 9,692 57 10 67 9,759 4 13 Total commercial real estate 12,033 57 14 71 12,104 8 13 Consumer: Home equity credit line 2,733 8 4 12 2,745 — 9 1-4 family residential 6,891 12 66 78 6,969 — 33 Construction and other consumer real estate 630 — — — 630 — Bankcard and other revolving plans 428 2 2 4 432 2 1 Other 123 1 — 1 124 — — Total consumer loans 10,805 23 72 95 10,900 2 43 Total $ 53,198 $ 140 $ 138 $ 278 $ 53,476 $ 12 $ 214 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected. Credit Quality Indicators In addition to the nonaccrual and past due criteria, we also analyze loans using loan risk-grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades we assign to loans are classified using the following definitions of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. • Pass – A Pass asset is higher-quality and does not fit any of the other categories described below. The likelihood of loss is considered low. • Special Mention – A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in our credit position at some future date. • Substandard – A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that we may sustain some loss if deficiencies are not corrected. • Doubtful – A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The balance of loans classified as Doubtful was less than $1 million at September 30, 2021 and was $4 million at December 31, 2020. We generally assign internal risk grades to commercial and CRE loans with commitments greater than $1 million based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. For these larger loans, we assign one of multiple risk grades within the Pass classification or one of the risk classifications described previously. We review and confirm our internal risk grades quarterly, or as soon as we identify information that affects the credit risk of the loan. For consumer loans and certain small commercial and CRE loans with commitments less than or equal to $1 million, we generally assign internal risk grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass or Substandard grade and are reviewed as we identify information that might warrant a grade change. The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and risk classification as monitored by management. The year of origination is generally represented by the year the loan was either originated or the year in which the loan was renewed or restructured. September 30, 2021 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Commercial: Commercial and industrial Pass $ 1,804 $ 1,419 $ 1,377 $ 855 $ 354 $ 277 $ 6,018 $ 182 $ 12,286 Special Mention 6 15 37 15 30 4 172 1 280 Accruing Substandard 20 36 109 82 31 77 150 2 507 Nonaccrual 3 11 4 3 4 26 87 19 157 Total commercial and industrial 1,833 1,481 1,527 955 419 384 6,427 204 13,230 PPP Pass 1,950 1,130 — — — — — — 3,080 Nonaccrual — — — — — — — — — Total PPP 1,950 1,130 — — — — — — 3,080 Leasing Pass 16 52 73 69 46 22 — — 278 Special Mention — 1 6 1 1 — — — 9 Accruing Substandard — — — — — 6 — — 6 Nonaccrual — — — — — — — — — Total leasing 16 53 79 70 47 28 — — 293 Owner-occupied Pass 1,591 1,504 1,052 914 743 1,858 135 68 7,865 Special Mention 9 18 28 45 21 59 3 6 189 Accruing Substandard 67 23 42 48 29 101 14 1 325 Nonaccrual — 6 13 15 10 21 2 — 67 Total owner-occupied 1,667 1,551 1,135 1,022 803 2,039 154 75 8,446 Municipal Pass 858 979 606 290 365 249 3 — 3,350 Special Mention 10 — — — — 26 — — 36 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 868 988 606 290 365 280 3 — 3,400 Total commercial 6,334 5,203 3,347 2,337 1,634 2,731 6,584 279 28,449 Commercial real estate: Construction and land development Pass 449 765 723 124 43 2 637 60 2,803 Special Mention — — 1 — — — — — 1 Accruing Substandard 12 — 27 — — — — — 39 Nonaccrual — — — — — — — — — Total construction and land development 461 765 751 124 43 2 637 60 2,843 Term Pass 1,636 1,964 1,595 1,121 590 1,561 194 195 8,856 Special Mention 65 21 32 73 12 31 — 3 237 Accruing Substandard 8 9 25 59 16 73 — 2 192 Nonaccrual — 1 5 — — — 19 — 25 Total term 1,709 1,995 1,657 1,253 618 1,665 213 200 9,310 Total commercial real estate 2,170 2,760 2,408 1,377 661 1,667 850 260 12,153 September 30, 2021 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,715 100 2,815 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 8 7 15 Total home equity credit line — — — — — — 2,727 107 2,834 1-4 family residential Pass 969 1,076 791 553 762 1,929 — — 6,080 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 3 5 3 12 35 — — 58 Total 1-4 family residential 969 1,079 796 556 774 1,966 — — 6,140 Construction and other consumer real estate Pass 162 273 104 31 5 8 — — 583 Special Mention — — — — — — — — — Accruing Substandard — 1 — — — — — — 1 Nonaccrual — — — — — — — — — Total construction and other consumer real estate 162 274 104 31 5 8 — — 584 Bankcard and other revolving plans Pass — — — — — — 390 3 393 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 392 3 395 Other consumer Pass 56 26 20 12 6 3 — — 123 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 56 26 20 12 6 3 — — 123 Total consumer 1,187 1,379 920 599 785 1,977 3,119 110 10,076 Total loans $ 9,691 $ 9,342 $ 6,675 $ 4,313 $ 3,080 $ 6,375 $ 10,553 $ 649 $ 50,678 December 31, 2020 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2020 2019 2018 2017 2016 Prior Total Commercial: Commercial and industrial Pass $ 2,585 $ 2,743 $ 1,903 $ 829 $ 296 $ 228 $ 3,298 $ 109 $ 11,991 Special Mention 79 152 183 98 4 43 110 1 670 Accruing Substandard 123 157 129 44 26 17 141 6 643 Nonaccrual 57 2 10 8 2 15 36 10 140 Total commercial and industrial 2,844 3,054 2,225 979 328 303 3,585 126 13,444 PPP Pass 5,572 — — — — — — — 5,572 Total PPP 5,572 — — — — — — — 5,572 Leasing Pass 87 121 44 34 14 5 — — 305 Special Mention 1 — 2 1 — 6 — — 10 Accruing Substandard 2 1 1 1 — — — — 5 Nonaccrual — — — — — — — — — Total leasing 90 122 47 36 14 11 — — 320 Owner-occupied Pass 1,588 1,205 1,167 895 585 1,806 161 11 7,418 Special Mention 72 65 60 60 51 41 9 3 361 Accruing Substandard 28 64 61 37 35 98 6 1 330 Nonaccrual 8 11 15 11 6 23 2 — 76 Total owner-occupied 1,696 1,345 1,303 1,003 677 1,968 178 15 8,185 Municipal Pass 1,031 827 359 419 68 227 3 — 2,934 Special Mention — — — — — 8 — — 8 Accruing Substandard — — — — — 9 — — 9 Nonaccrual — — — — — — — — — Total municipal 1,031 827 359 419 68 244 3 — 2,951 Total commercial 11,233 5,348 3,934 2,437 1,087 2,526 3,766 141 30,472 Commercial real estate: Construction and land development Pass 558 933 267 41 1 6 423 3 2,232 Special Mention 24 43 11 — — — 5 — 83 Accruing Substandard — 30 — — — — — — 30 Nonaccrual — — — — — — — — — Total construction and land development 582 1,006 278 41 1 6 428 3 2,345 Term Pass 2,524 1,858 1,639 761 778 1,291 73 20 8,944 Special Mention 110 89 177 42 23 85 — 5 531 Accruing Substandard 41 34 96 30 18 34 — — 253 Nonaccrual 3 5 — 2 1 20 — — 31 Total term 2,678 1,986 1,912 835 820 1,430 73 25 9,759 Total commercial real estate 3,260 2,992 2,190 876 821 1,436 501 28 12,104 December 31, 2020 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2020 2019 2018 2017 2016 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,606 115 2,721 Special Mention — — — — — — 2 — 2 Accruing Substandard — — — — — — 6 — 6 Nonaccrual — — — — — — 11 5 16 Total home equity credit line — — — — — — 2,625 120 2,745 1-4 family residential Pass 1,185 1,017 833 1,081 1,174 1,570 — — 6,860 Special Mention — — — — — 2 — — 2 Accruing Substandard — — 1 — 2 1 — — 4 Nonaccrual 2 12 7 19 15 48 — — 103 Total 1-4 family residential 1,187 1,029 841 1,100 1,191 1,621 — — 6,969 Construction and other consumer real estate Pass 200 296 106 16 1 11 — — 630 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 200 296 106 16 1 11 — — 630 Bankcard and other revolving plans Pass — — — — — — 426 2 428 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — — 1 1 Total bankcard and other revolving plans — — — — — — 429 3 432 Other consumer Pass 51 35 22 10 4 2 — — 124 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 51 35 22 10 4 2 — — 124 Total consumer 1,438 1,360 969 1,126 1,196 1,634 3,054 123 10,900 Total loans $ 15,931 $ 9,700 $ 7,093 $ 4,439 $ 3,104 $ 5,596 $ 7,321 $ 292 $ 53,476 Modified and Restructured Loans Loans may be modified in the normal course of business for competitive reasons or to strengthen our collateral position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which we have granted a concession that we would not otherwise consider, are considered troubled debt restructurings (“TDRs”). For further discussion of our policies and processes regarding TDRs, see Note 6 of our 2020 Form 10-K. Information on TDRs, including the amortized cost on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules: September 30, 2021 Amortized cost resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 2 $ — $ — $ — $ — $ 15 $ 17 Owner-occupied 5 4 — 8 15 46 78 Total commercial 7 4 — 8 15 61 95 Commercial real estate: Construction and land development — — — — — — — Term 1 26 — 27 41 8 103 Total commercial real estate 1 26 — 27 41 8 103 Consumer: Home equity credit line — 1 6 — — 2 9 1-4 family residential 5 1 3 — 1 14 24 Total consumer loans 5 2 9 — 1 16 33 Total accruing 13 32 9 35 57 85 231 Nonaccruing Commercial: Commercial and industrial 17 1 — 2 7 42 69 Owner-occupied 5 — — 3 — 17 25 Total commercial 22 1 — 5 7 59 94 Commercial real estate: Term 2 — — 12 4 3 21 Total commercial real estate 2 — — 12 4 3 21 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 1 — — 3 5 Total consumer loans — 1 2 — — 3 6 Total nonaccruing 24 2 2 17 11 65 121 Total $ 37 $ 34 $ 11 $ 52 $ 68 $ 150 $ 352 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types. December 31, 2020 Amortized cost resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ — $ — $ — $ — $ 3 $ 4 $ 7 Owner-occupied 5 1 — 4 4 8 22 Total commercial 5 1 — 4 7 12 29 Commercial real estate: Term 1 — — 16 94 23 134 Total commercial real estate 1 — — 16 94 23 134 Consumer: Home equity credit line — 1 7 — — 2 10 1-4 family residential 4 1 3 — 2 15 25 Total consumer loans 4 2 10 — 2 17 35 Total accruing 10 3 10 20 103 52 198 Nonaccruing Commercial: Commercial and industrial — — — 3 10 52 65 Owner-occupied 5 — — 3 — 10 18 Total commercial 5 — — 6 10 62 83 Commercial real estate: Term 2 — — 13 3 2 20 Total commercial real estate 2 — — 13 3 2 20 Consumer: Home equity credit line — — 2 — — — 2 1-4 family residential 1 1 — — — 6 8 Total consumer loans 1 1 2 — — 6 10 Total nonaccruing 8 1 2 19 13 70 113 Total $ 18 $ 4 $ 12 $ 39 $ 116 $ 122 $ 311 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types. Unfunded lending commitments on TDRs totaled $15 million and $3 million at September 30, 2021 and December 31, 2020, respectively. The total amortized cost of all TDRs in which interest rates were modified below market was $91 million at September 30, 2021 and $76 million at December 31, 2020. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types. The net financial impact on interest income due to interest rate modifications below market for accruing TDRs for the three and nine months ended September 30, 2021 and 2020 was not significant. On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans. The amortized cost of accruing and nonaccruing TDRs that had a payment default during the three and nine months ended September 30, 2021, which were still in default at period end, and were within 12 months or less of being modified as TDRs was approximately $2 million and $5 million, respectively, and $3 million and $6 million for the three and nine months ended September 30, 2020, respectively. Collateral-Dependent Loans As discussed previously, when a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. Select information on loans for which the repayment is expected to be provided substantially through the operation or sale of the underlying collateral and the borrower is experiencing financial difficulties, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: September 30, 2021 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 13 Single family residential, Agriculture 36% Owner-occupied 10 Office building 43% Commercial real estate: Term 7 Multi-family, Hotel/Motel, Retail 41% Consumer: Home equity credit line 5 Single family residential 37% 1-4 family residential 2 Single family residential 51% Total $ 37 1 The fair value is based on the most recent appraisal or other collateral evaluation. December 31, 2020 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 20 Single family residential, Agriculture 55% Owner-occupied 10 Office Building 47% Commercial real estate: Term 12 Multi-family, Hotel/Motel, Retail 58% Consumer: Home equity credit line 3 Single family residential 34% 1-4 family residential 2 Single family residential 60% Total $ 47 1 The fair value is based on the most recent appraisal or other collateral evaluation. Foreclosed Residential Real Estate At September 30, 2021 and December 31, 2020, we did not have any foreclosed residential real estate property. The amortized cost basis of consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was $9 million and $10 million for the same periods, respectively.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	9 Months Ended
	Sep. 30, 2021
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives and Accounting Our primary objective for using derivatives is to manage risks, primarily interest rate risk. We use derivatives to manage volatility in interest income, interest expense, earnings, and capital by adjusting our interest rate sensitivity to minimize the impact of fluctuations in interest rates. Derivatives are used to stabilize forecasted interest income from variable-rate assets and to modify the coupon or the duration of fixed-rate financial assets or liabilities as we consider advisable. We also assist clients with their risk management needs through the use of derivatives. For a more detailed discussion of the use of and accounting policies regarding derivative instruments, see Note 7 of our 2020 Form 10-K. Fair Value Hedges of Liabilities – At September 30, 2021, we had one receive-fixed interest rate swap with a notional amount of $500 million designated in a qualifying fair value hedge relationship of fixed-rate debt. The receive-fixed interest rate swap effectively converts the interest on our fixed-rate debt to floating. During the third quarter of 2021, derivatives designated as fair value hedges of debt decreased in value by $4 million which was offset by changes in the fair value of the hedged debt instruments as shown in the schedules below. During the third quarter of 2021, we amortized $3 million of cumulative unamortized debt basis adjustments related to previously terminated fair value hedges of debt. We had $2 million of unamortized debt basis adjustments from previously designated fair value hedges remaining. Fair Value Hedges of Assets – At September 30, 2021, we had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $383 million designated as fair value hedges of certain AFS securities. These swaps effectively convert the fixed interest income to a floating rate on the hedged portion of the securities. During the third quarter of 2021, derivatives designated as fair value hedges of fixed-rate AFS securities increased in value by $4 million, which was offset by changes in value of the hedged securities, as shown in the schedules below. We had $7 million of unamortized basis adjustments to AFS securities from previously designated fair value hedges. Cash Flow Hedges – At September 30, 2021, we had $5.4 billion notional amount of receive-fixed interest rate swaps designated as cash flow hedges of pools of floating-rate commercial loans. During the third quarter of 2021, we increased the size of our cash flow hedge portfolio by entering into additional swaps with an aggregate notional amount of $1.4 billion. Also during the quarter, our cash flow hedge portfolio decreased in value by $21 million, which was recorded in AOCI. The amounts deferred in AOCI are reclassified into earnings in the periods in which the interest payments occur (i.e., when the hedged forecasted transactions affect earnings). Collateral and Credit Risk Exposure to credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. For a more detailed discussion of collateral and credit risk related to our derivative contracts, see Note 7 of our 2020 Form 10-K. Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At September 30, 2021, the fair value of our derivative liabilities was $270 million, for which we were required to pledge cash collateral of $51 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s (“S&P”) or Moody’s at September 30, 2021, there would likely be $1 million of additional collateral required to be pledged. Derivative Amounts Certain information with respect to notional amounts and recorded gross fair values at September 30, 2021 and December 31, 2020, is summarized as follows: September 30, 2021 December 31, 2020 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 5,383 $ — $ — $ 3,150 $ — $ — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 383 10 — 383 3 — Total derivatives designated as hedging instruments 6,266 10 — 4,033 3 — Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives 1 6,334 235 25 5,986 390 2 Offsetting interest rate derivatives 2 6,334 28 241 5,986 3 409 Other interest rate derivatives 1,476 10 — 1,649 20 3 Foreign exchange derivatives 386 4 4 223 4 4 Total derivatives not designated as hedging instruments 14,530 277 270 13,844 417 418 Total derivatives $ 20,796 $ 287 $ 270 $ 17,877 $ 420 $ 418 1 Customer-facing interest rate derivatives include a net CVA of $3 million and $18 million, reducing the fair value amount at September 30, 2021 and December 31, 2020, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty. 2 The fair value amounts for these derivatives do not include the settlement amounts for those trades that are centrally cleared. Once the settlement amounts with the clearing houses are included the derivative fair values would be the following: September 30, 2021 December 31, 2020 (In millions) Other assets Other liabilities Other assets Other liabilities Offsetting interest rate derivatives $ 3 $ 16 $ 1 $ 29 The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in OCI or recognized in earnings for the three and nine months ended September 30, 2021 and 2020 is shown in the schedules below. Amount of derivative gain (loss) recognized/reclassified Three Months Ended September 30, 2021 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps 4 — 13 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 2 — Basis amortization on terminated hedges 2, 3 — — — 3 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ 4 $ — $ 16 $ 4 $ — Amount of derivative gain (loss) recognized/reclassified Nine Months Ended September 30, 2021 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 8 $ — $ — Interest rate swaps (5) — 38 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 6 — Basis amortization on terminated hedges 2, 3 — — — 9 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (2) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (5) $ — $ 46 $ 13 $ — Amount of derivative gain (loss) recognized/reclassified Three Months Ended September 30, 2020 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps (1) — 13 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 1 — Basis amortization on terminated hedges 2, 3 — — — 3 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — — — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (1) $ — $ 16 $ 4 $ — Amount of derivative gain (loss) recognized/reclassified Nine Months Ended September 30, 2020 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 8 $ — $ — Interest rate swaps 101 — 24 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 4 — Basis amortization on terminated hedges 2, 3 — — — 10 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — — — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ 101 $ — $ 32 $ 14 $ — 1 Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following September 30, 2021, we estimate that $42 million will be reclassified from AOCI into interest income. 2 Adjustment to interest expense resulting from the amortization of the debt basis adjustment on fixed-rate debt previously hedged by terminated receive-fixed interest rate. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at September 30, 2021 is $2 million and $7 million of terminated fair value debt and asset hedges, respectively. The amortization of the cumulative unamortized basis adjustment from asset hedges is not shown in the schedules because it is not significant. The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest Income/(Expense) (In millions) Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ (5) $ (100) $ 4 $ 350 Offsetting interest rate derivatives 12 129 9 (343) Other interest rate derivatives 3 (7) 3 14 Foreign exchange derivatives 6 17 4 16 Total derivatives not designated as hedging instruments $ 16 $ 39 $ 20 $ 37 The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented. Gain/(loss) recorded in income Three Months Ended September 30, 2021 Three Months Ended September 30, 2020 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ (4) $ 4 $ — $ (3) $ 3 $ — Assets: Pay-fixed interest rate swaps 1, 2 4 (4) — 11 (11) — Gain/(loss) recorded in income Nine Months Ended September 30, 2021 Nine Months Ended September 30, 2020 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ (27) $ 27 $ — $ 72 $ (72) $ — Assets: Pay-fixed interest rate swaps 1, 2 27 (27) — 11 (11) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in net interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. The following schedule provides information regarding basis adjustments for hedged items. Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 Long-term fixed-rate debt $ (500) $ (500) $ (510) $ (537) $ (10) $ (37) Fixed-rate AFS securities 383 383 335 362 (48) (21) 1 Carrying amounts displayed above exclude (1) issuance and purchase discounts or premiums, (2) unamortized issuance and acquisition costs, and (3) amounts related to terminated fair value hedges.

Leases

Leases	9 Months Ended
	Sep. 30, 2021
Leases [Abstract]
LEASES	LEASES We determine if a contract is a lease or contains a lease at inception. The right to use leased assets for the lease term are considered right-of-use (“ROU”) assets. Operating lease assets are included in “other assets,” and finance lease assets are included in “premises, equipment and software, net,” and lease liabilities for operating leases are included in “other liabilities,” and finance leases are included in “long-term debt” on our consolidated balance sheet. For a more detailed discussion of our lease policies, see Note 8 of our 2020 Form 10-K. We have operating and finance leases for branches, corporate offices, and data centers. Our equipment leases are not material. At September 30, 2021, we had 419 branches, of which 273 are owned and 146 are leased. We lease our headquarters in Salt Lake City, Utah, and other office or data centers are either owned or leased. We may enter into certain lease arrangements with a term of 12 months or less, and we have elected to exclude these from capitalization. The remaining maturities of our lease commitments range from the year 2021 to 2062, and some lease arrangements include options to extend or terminate the leases. ROU assets from operating leases were $196 million at September 30, 2021, and $213 million at December 31, 2020. ROU assets from finance leases were $4 million for the same periods. We utilized a secured incremental borrowing rate based on the term of the lease for the discount rate to determine our lease ROU assets and liabilities. The following schedule presents lease-related assets and liabilities, their weighted average remaining life, and the weighted average discount rate: (Dollar amounts in millions) September 30, December 31, 2020 Operating assets and liabilities Operating right-of-use assets, net of amortization $ 196 $ 213 Operating lease liabilities 223 240 Weighted average remaining lease term (years) Operating leases 8.6 8.9 Finance leases 18.5 19.2 Weighted average discount rate Operating leases 2.8 % 2.9 % Finance leases 3.1 % 3.1 % The components of lease expense are as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 Operating lease costs $ 12 $ 12 $ 35 $ 37 Variable lease costs 12 12 37 36 Total lease cost $ 24 $ 24 $ 72 $ 73 Supplemental cash flow information related to leases is as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 Operating cash disbursements from operating leases $ 13 $ 13 $ 38 $ 38 New operating lease liabilities are as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 New operating lease liabilities $ 1 $ — $ 1 $ 6 Contractual undiscounted lease payments for operating lease liabilities, due by year, include: (In millions) 2021 1 $ 12 2022 48 2023 42 2024 33 2025 24 Thereafter 99 Total $ 258 1 Contractual maturities for the three months remaining in 2021. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the third quarter of 2021 and 2020, and $10 million and $9 million for the first nine months of 2021 and 2020, respectively. We originate equipment leases, considered to be sales-type leases or direct financing leases, totaling $293 million and $320 million at September 30, 2021 and December 31, 2020, respectively. We recorded income of $3 million on these leases for both the third quarter of 2021 and 2020, and $9 million and $10 million for the first nine months of 2021 and 2020, respectively.

Long-Term Debt and Shareholders

Long-Term Debt and Shareholders' Equity	9 Months Ended
	Sep. 30, 2021
Debt And Equity [Abstract]
LONG-TERM DEBT AND SHAREHOLDERS' EQUITY	LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY Long-Term Debt The long-term debt carrying values in the following schedule represent the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and basis adjustments for interest rate swaps designated as fair value hedges. LONG-TERM DEBT (In millions) September 30, December 31, 2020 Amount change Percent change Subordinated notes $ 593 $ 619 $ (26) (4) % Senior notes 423 713 (290) (41) Finance lease obligations 4 4 — — Total $ 1,020 $ 1,336 $ (316) (24) % The decrease in long-term debt was primarily due to the maturity of $281 million of 3-year, 3.50% senior notes during the third quarter of 2021. Common Stock Our common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. At September 30, 2021, there were 156.5 million shares of $0.001 par value common stock outstanding. The balance of common stock and additional paid-in capital was $2.2 billion at September 30, 2021, which decreased $441 million, or 16%, from December 31, 2020, primarily due to common stock repurchases. During the first nine months of 2021, we repurchased 8.5 million common shares outstanding for $475 million at an average price of $55.88 per share. Preferred Stock During the second quarter of 2021, we redeemed the outstanding shares of our 5.75% Series H Non-Cumulative Perpetual Preferred Stock at par value, resulting in a $126 million decrease of preferred stock. There were no additional fees or premium paid associated with the redemption. Accumulated Other Comprehensive Income Accumulated other comprehensive income decreased to $64 million at September 30, 2021, from $325 million at December 31, 2020, primarily as a result of decreases in the fair value of AFS securities due to changes in interest rates. Changes in AOCI by component are as follows: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total Nine Months Ended September 30, 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 OCI (loss) before reclassifications, net of tax (225) (1) — (226) Amounts reclassified from AOCI, net of tax — (35) — (35) Other comprehensive income (loss) (225) (36) — (261) Balance at September 30, 2021 $ 33 $ 33 $ (2) $ 64 Income tax benefit included in other comprehensive income (loss) $ (73) $ (12) $ — $ (85) Nine Months Ended September 30, 2020 Balance at December 31, 2019 $ 29 $ 28 $ (14) $ 43 OCI before reclassifications, net of tax 228 72 13 313 Amounts reclassified from AOCI, net of tax — (24) — (24) Other comprehensive income 228 48 13 289 Balance at September 30, 2020 $ 257 $ 76 $ (1) $ 332 Income tax expense included in OCI $ 75 $ 16 $ 4 $ 95 Amounts reclassified from AOCI 1 Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Nine Months Ended Details about AOCI components 2021 2020 2021 2020 Affected line item Net unrealized gains on derivative instruments $ 16 $ 16 $ 46 $ 32 SI Interest and fees on loans Income tax expense 4 4 11 8 Amounts reclassified from AOCI $ 12 $ 12 $ 35 $ 24 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and Co

Commitments, Guarantees, and Contingent Liabilities	9 Months Ended
	Sep. 30, 2021
Guarantees, Commitments And Contingencies [Abstract]
COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES	COMMITMENTS, GUARANTEES, AND CONTINGENT LIABILITIES Commitments and Guarantees Contractual amounts of various off-balance sheet obligations used to meet the financing needs of our customers are as follows: (In millions) September 30, December 31, Net unfunded commitments to extend credit 1 $ 25,216 $ 24,217 Standby letters of credit: Financial 649 531 Performance 234 167 Commercial letters of credit 39 34 Total unfunded lending commitments $ 26,138 $ 24,949 1 Net of participations. Our 2020 Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At September 30, 2021, we recorded $4 million as a liability for the guarantees associated with the standby letters of credit, which consisted of $2 million in credit reserves and $2 million of deferred commitment fees. Legal Matters We are subject to litigation in court and arbitral proceedings, as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters. At September 30, 2021, we were subject to the following material litigation or governmental inquiries: • a civil suit, JTS Communities, Inc. et. al v. CB&T, Jun Enkoji and Dawn Satow , brought against us in the Superior Court for Sacramento County, California in June 2017. In this case four investors in our former customer, International Manufacturing Group (“IMG”) seek to hold us liable for losses arising from their investments in that company, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. Currently, trial is scheduled for November 4, 2021. • a civil class action lawsuit, Evans v. CB&T , brought against us in the United States District Court for the Eastern District of California in May 2017. This case was filed on behalf of a class of up to 50 investors in IMG and seeks to hold us liable for losses of class members arising from their investments in IMG, alleging that we conspired with and knowingly assisted IMG and its principal in furtherance of an alleged Ponzi scheme. In December 2017, the District Court dismissed all claims against the Bank. In January 2018, the plaintiff filed an appeal with the Court of Appeals for the Ninth Circuit. The appeal was heard in early April 2019 with the Court of Appeals reversing the trial court’s dismissal. This case is in the post-pleading phase and trial will not occur for a substantial period of time. • two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in December 2017, and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank who filed for bankruptcy protection in 2017. The cases are in early phases, with initial motion practice and discovery underway in the Lifescan case. Trial has not been scheduled in either case. • a civil class action lawsuit, Gregory, et. al. v. Zions Bancorporation , brought against us in the United States District Court for Utah in January 2019. This case was filed on behalf of investors in Rust Rare Coin, Inc., alleging that we aided and abetted a Ponzi scheme fraud perpetrated by Rust Rare Coin, a Zions Bank customer. The case follows civil actions and the establishment of a receivership for Rust Rare Coin by The Commodities Futures Trading Commission and the Utah Division of Securities in November 2018, as well as a separate suit brought by the SEC against Rust Rare Coin and its principal, Gaylen Rust. During the third quarter of 2020, the Court granted our motion to dismiss the plaintiffs' claims in part, dismissing claims relating to fraud and fiduciary duty, but allowing a claim for aiding and abetting conversion to proceed. The case is in the discovery phase. Trial has not been scheduled. At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters. In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available at September 30, 2021, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $40 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which a meaningful estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure. Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period. Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2021
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION We derive our revenue primarily from interest income on loans and securities, which was approximately 79% of our total revenue in the third quarter of 2021. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For a discussion of our revenue recognition from contracts, and the implementation of ASC 606, see Note 17 of our 2020 Form 10-K. Disaggregation of Revenue The schedule below presents noninterest income and net revenue by operating business segments for the three months ended September 30, 2021 and 2020. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity. Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 12 $ 11 $ 10 $ 9 $ 7 $ 5 Card fees 15 12 8 6 4 3 Retail and business banking fees 6 5 4 4 3 3 Capital markets and foreign exchange fees — — 1 1 — — Wealth management fees 5 5 3 2 2 1 Other customer-related fees 2 2 1 2 1 1 Total noninterest income from contracts with customers (ASC 606) 40 35 27 24 17 13 Other noninterest income (non-ASC 606 customer-related) 4 5 10 8 6 8 Total customer-related fees 44 40 37 32 23 21 Other noninterest income (noncustomer-related) (1) — — — 2 1 Total noninterest income 43 40 37 32 25 22 Other real estate owned gain from sale — — — — — 1 Net interest income 161 162 117 121 135 129 Total income less interest expense $ 204 $ 202 $ 154 $ 153 $ 160 $ 152 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 2 $ 2 $ 3 $ 2 $ 2 $ 2 Card fees 3 2 3 3 2 1 Retail and business banking fees 2 2 3 2 1 1 Capital markets and foreign exchange fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 8 7 10 8 6 5 Other noninterest income (non-ASC 606 customer-related) 4 2 3 2 2 3 Total customer-related fees 12 9 13 10 8 8 Other noninterest income (noncustomer-related) 1 — — — — — Total noninterest income 13 9 13 10 8 8 Other real estate owned gain from sale — — — — — — Net interest income 50 54 38 37 34 34 Total income less interest expense $ 63 $ 63 $ 51 $ 47 $ 42 $ 42 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 1 $ — $ (3) $ 1 $ 34 $ 32 Card fees — — — 1 35 28 Retail and business banking fees — — 1 — 20 17 Capital markets and foreign exchange fees — — 1 2 2 3 Wealth management fees — — — (1) 12 9 Other customer-related fees — — 9 6 14 12 Total noninterest income from contracts with customers (ASC 606) 1 — 8 9 117 101 Other noninterest income (non-ASC 606 customer-related) — 1 5 9 34 38 Total customer-related fees 1 1 13 18 151 139 Other noninterest income (noncustomer-related) — — (14) 17 (12) 18 Total noninterest income 1 1 (1) 35 139 157 Other real estate owned gain from sale — — — — — 1 Net interest income 12 13 8 5 555 555 Total income less interest expense $ 13 $ 14 $ 7 $ 40 $ 694 $ 713 The following schedule presents the noninterest income and net revenue by operating segments for the nine months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 34 $ 31 $ 28 $ 28 $ 19 $ 17 Card fees 42 36 21 18 12 10 Retail and business banking fees 17 15 11 11 9 8 Capital markets and foreign exchange fees — (1) 2 4 — — Wealth management fees 15 13 9 8 4 3 Other customer-related fees 5 6 4 5 3 4 Total noninterest income from contracts with customers (ASC 606) 113 100 75 74 47 42 Other noninterest income (non-ASC 606 customer-related) 16 17 27 25 23 23 Total customer-related fees 129 117 102 99 70 65 Other noninterest income (noncustomer-related) (1) (1) 2 — 4 1 Total noninterest income 128 116 104 99 74 66 Other real estate owned gain from sale — — — — — 1 Net interest income 477 491 350 368 399 381 Total income less interest expense $ 605 $ 607 $ 454 $ 467 $ 473 $ 448 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 5 $ 5 $ 7 $ 6 $ 5 $ 5 Card fees 8 7 9 7 5 4 Retail and business banking fees 7 6 8 7 3 3 Capital markets and foreign exchange fees — — — — — — Wealth management fees 2 2 3 3 1 1 Other customer-related fees 1 1 — — 2 2 Total noninterest income from contracts with customers (ASC 606) 23 21 27 23 16 15 Other noninterest income (non-ASC 606 customer-related) 10 9 11 8 8 9 Total customer-related fees 33 30 38 31 24 24 Other noninterest income (noncustomer-related) 2 — — — — — Total noninterest income 35 30 38 31 24 24 Other real estate owned gain from sale — — — — — — Net interest income 155 162 111 110 103 101 Total income less interest expense $ 190 $ 192 $ 149 $ 141 $ 127 $ 125 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 1 $ 1 $ 1 $ — $ 100 $ 93 Card fees 1 1 — — 98 83 Retail and business banking fees — — (1) — 54 50 Capital markets and foreign exchange fees — — 4 6 6 9 Wealth management fees — — — (2) 34 28 Other customer-related fees 1 1 22 16 38 35 Total noninterest income from contracts with customers (ASC 606) 3 3 26 20 330 298 Other noninterest income (non-ASC 606 customer-related) 1 1 (3) 21 93 113 Total customer-related fees 4 4 23 41 423 411 Other noninterest income (noncustomer-related) — — 83 (3) 90 (3) Total noninterest income 4 4 106 38 513 408 Other real estate owned gain from sale — — — — — 1 Net interest income 40 39 20 13 1,655 1,665 Total income less interest expense $ 44 $ 43 $ 126 $ 51 $ 2,168 $ 2,074

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The effective income tax rate was 22.8% for the third quarter of 2021, compared with 18.6% for the third quarter of 2020. The effective income tax rate for the first nine months of 2021 and 2020 was 22.2% and 18.5%, respectively. These rates were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance, and were increased by the non-deductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation plans, and other fringe benefits. Compared with 2021, the 2020 tax rate was also lower as a result of the proportional increase in nontaxable items and tax credits relative to pretax book income. The amount of our net deferred tax liability (“DTL”) was $26 million at September 30, 2021, compared with $3 million at December 31, 2020. The increase in the net DTL was primarily due to the negative provision for credit losses, and was partially offset by an increase in unrealized losses in AOCI related to investment securities. We had no valuation allowance at September 30, 2021 and December 31, 2020. We regularly evaluate deferred tax assets to determine whether a valuation allowance is required. This evaluation considers all available evidence, both positive and negative, based on the more likely than not criteria that such assets will be realized. This evaluation also includes, but is not limited to (1) available carryback potential to prior tax years, (2) potential future reversals of existing deferred tax liabilities, which historically has a reversal pattern generally consistent with deferred tax assets, (3) potential tax planning strategies, and (4) future projected taxable income. Based on our evaluation, and considering the weight of the positive evidence compared with the negative evidence, we concluded a valuation allowance was not required at September 30, 2021.

Net Earnings Per Common Share

Net Earnings Per Common Share	9 Months Ended
	Sep. 30, 2021
Earnings Per Share [Abstract]
NET EARNINGS PER COMMON SHARE	NET EARNINGS PER COMMON SHARE Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: Three Months Ended Nine Months Ended (In millions, except shares and per share amounts) 2021 2020 2021 2020 Basic: Net income $ 240 $ 175 $ 916 $ 255 Less common and preferred dividends 68 64 197 193 Less impact from redemption of preferred stock — — 3 — Undistributed earnings 172 111 716 62 Less undistributed earnings applicable to nonvested shares 1 1 6 1 Undistributed earnings applicable to common shares 171 110 710 61 Distributed earnings applicable to common shares 61 56 172 168 Total earnings applicable to common shares $ 232 $ 166 $ 882 $ 229 Weighted average common shares outstanding (in thousands) 160,221 163,608 162,159 163,764 Net earnings per common share $ 1.45 $ 1.01 $ 5.44 $ 1.40 Diluted: Total earnings applicable to common shares $ 232 $ 166 $ 882 $ 229 Weighted average common shares outstanding (in thousands) 160,221 163,608 162,159 163,764 Dilutive effect of common stock warrants (in thousands) — — — 2,027 Dilutive effect of stock options (in thousands) 259 171 301 238 Weighted average diluted common shares outstanding (in thousands) 160,480 163,779 162,460 166,029 Net earnings per common share $ 1.45 $ 1.01 $ 5.43 $ 1.38 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: Three Months Ended Nine Months Ended (In thousands) 2021 2020 2021 2020 Restricted stock and restricted stock units 1,358 1,316 1,382 1,347 Stock options 294 923 227 878

Operating Segment Information

Operating Segment Information	9 Months Ended
	Sep. 30, 2021
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations and prepare management reports and other information with a primary focus on geographic area. We conduct our operations primarily through seven separately managed affiliate banks, each with its own local branding and management team, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. These affiliate banks comprise our primary business segments. Performance assessment and resource allocation are based upon this geographic structure. The operating segment identified as “Other” includes certain non-bank financial service subsidiaries, centralized back-office functions, and eliminations of transactions between segments. We allocate the cost of centrally provided services to the business segments based upon estimated or actual usage of those services. We also allocate capital based on the risk-weighted assets held at each business segment. We use an internal funds transfer pricing (“FTP”) allocation system and process to report results of operations for business segments, which is continually refined. In the third quarter of 2020, we began allocating the net interest income associated with our Treasury department to the business segments. Historically, this amount was presented in the “Other” segment. Prior period amounts have been revised to reflect the impact of this change had it been instituted in the periods presented. Total average loans and deposits presented for the business segments include insignificant intercompany amounts between business segments and may also include deposits with the “Other” segment. At September 30, 2021, Zions Bank operated 96 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. Amegy operated 75 branches in Texas. CB&T operated 83 branches in California. NBAZ operated 56 branches in Arizona. NSB operated 45 branches in Nevada. Vectra operated 34 branches in Colorado and one branch in New Mexico. TCBW operated two branches in Washington and one branch in Oregon. The accounting policies of the individual business segments are the same as those of the Bank. Transactions between business segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. The following schedules do not present total assets or income tax expense for each operating segment, but instead present average loans, average deposits, and income before income taxes because we use these metrics when evaluating performance and making decisions pertaining to the business segments. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the “Other” segment. The following schedule presents selected operating segment information for the three months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 161 $ 162 $ 117 $ 121 $ 135 $ 129 Provision for credit losses (10) (10) (10) 6 (12) 36 Net interest income after provision for credit losses 171 172 127 115 147 93 Noninterest income 43 40 37 32 25 22 Noninterest expense 115 111 83 82 77 74 Income (loss) before income taxes $ 99 $ 101 $ 81 $ 65 $ 95 $ 41 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 12,985 $ 14,237 $ 11,865 $ 13,476 $ 12,672 $ 12,954 Total average deposits 24,399 19,283 15,925 13,628 15,900 14,462 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 50 $ 54 $ 38 $ 37 $ 34 $ 34 Provision for credit losses (5) 6 (5) (2) (4) 18 Net interest income after provision for credit losses 55 48 43 39 38 16 Noninterest income 13 9 13 10 8 8 Noninterest expense 38 37 34 35 28 27 Income (loss) before income taxes $ 30 $ 20 $ 22 $ 14 $ 18 $ (3) SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,689 $ 5,305 $ 2,892 $ 3,310 $ 3,339 $ 3,542 Total average deposits 7,259 5,996 6,870 5,704 4,362 3,838 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 12 $ 13 $ 8 $ 5 $ 555 $ 555 Provision for credit losses 1 1 (1) — (46) 55 Net interest income after provision for credit losses 11 12 9 5 601 500 Noninterest income 1 1 (1) 35 139 157 Noninterest expense 5 5 49 71 429 442 Income (loss) before income taxes $ 7 $ 8 $ (41) $ (31) $ 311 $ 215 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,542 $ 1,550 $ 867 $ 619 $ 50,851 $ 54,993 Total average deposits 1,552 1,316 1,144 2,276 77,411 66,503 The following schedule presents selected operating segment information for the nine months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 477 $ 491 $ 350 $ 368 $ 399 $ 381 Provision for credit losses (29) 84 (108) 133 (81) 120 Net interest income after provision for credit losses 506 407 458 235 480 261 Noninterest income 128 116 104 99 74 66 Noninterest expense 346 332 251 243 233 225 Income (loss) before income taxes $ 288 $ 191 $ 311 $ 91 $ 321 $ 102 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,318 $ 13,821 $ 12,337 $ 13,149 $ 12,924 $ 12,170 Total average deposits 23,001 17,735 15,179 12,775 15,564 13,375 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 155 $ 162 $ 111 $ 110 $ 103 $ 101 Provision for credit losses (29) 41 (35) 49 (15) 41 Net interest income after provision for credit losses 184 121 146 61 118 60 Noninterest income 35 30 38 31 24 24 Noninterest expense 112 109 106 105 85 80 Income (loss) before income taxes $ 107 $ 42 $ 78 $ (13) $ 57 $ 4 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,914 $ 5,097 $ 3,085 $ 3,066 $ 3,422 $ 3,379 Total average deposits 6,949 5,608 6,500 5,313 4,344 3,497 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 40 $ 39 $ 20 $ 13 $ 1,655 $ 1,665 Provision for credit losses (3) 10 (1) 3 (301) 481 Net interest income after provision for credit losses 43 29 21 10 1,956 1,184 Noninterest income 4 4 106 38 513 408 Noninterest expense 16 16 143 169 1,292 1,279 Income (loss) before income taxes $ 31 $ 17 $ (16) $ (121) $ 1,177 $ 313 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,573 $ 1,431 $ 845 $ 581 $ 52,418 $ 52,694 Total average deposits 1,484 1,216 1,500 2,634 74,521 62,153

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements and Developments (Policies)	9 Months Ended
	Sep. 30, 2021
Accounting Policies [Abstract]
Recent Accounting Pronouncements and Developments	There have been no significant changes to recent accounting pronouncements and developments and their potential impact to our financial statements or operations. For more information, see Note 2 of our 2020 Form 10-K.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses (“ACL”), which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2020 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion of our estimate of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. Changes in the ACL are summarized as follows:

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2021
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis	Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows: (In millions) September 30, 2021 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 128 $ 18,702 $ — $ 18,830 Municipal securities 1,556 1,556 Other debt securities 75 75 Total available-for-sale 128 20,333 — 20,461 Trading account 66 239 305 Other noninterest-bearing investments: Bank-owned life insurance 535 535 Private equity investments 1 50 72 122 Other assets: Agriculture loan servicing and interest-only strips 14 14 Deferred compensation plan assets 137 137 Derivatives: Derivatives designated as hedges 10 10 Derivatives not designated as hedges: Interest rate 248 248 Foreign exchange 4 4 Total assets $ 385 $ 21,365 $ 86 $ 21,836 LIABILITIES Securities sold, not yet purchased $ 32 $ — $ — $ 32 Other liabilities: Derivatives: Derivatives not designated as hedges: Interest rate 41 41 Foreign exchange 4 4 Total liabilities $ 36 $ 41 $ — $ 77 1 The Level 1 private equity investments relate to the portion of our SBIC investments that are now publicly traded. (In millions) December 31, 2020 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 192 $ 13,944 $ — $ 14,136 Municipal securities 1,420 1,420 Other debt securities 175 175 Total available-for-sale 192 15,539 — 15,731 Trading account 111 155 266 Other noninterest-bearing investments: Bank-owned life insurance 532 532 Private equity investments 80 80 Other assets: Agriculture loan servicing and interest-only strips 16 16 Deferred compensation plan assets 120 120 Derivatives: Derivatives designated as hedges 3 3 Derivatives not designated as hedges: Interest rate 411 411 Foreign exchange 4 4 Total assets $ 427 $ 16,640 $ 96 $ 17,163 LIABILITIES Securities sold, not yet purchased $ 61 $ — $ — $ 61 Other liabilities: Derivatives: Derivatives not designated as hedges: Interest rate 34 34 Foreign exchange 4 4 Total liabilities $ 65 $ 34 $ — $ 99
Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs	The following schedule presents the changes to the assets and liabilities measured at fair value by class on a recurring basis using Level 3 inputs: Level 3 Instruments Three Months Ended Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 (In millions) Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Private equity investments Ag loan svcg and int-only strips Balance at beginning of period $ 72 $ 15 $ 77 $ 17 $ 80 $ 16 $ 107 $ 18 Unrealized securities gains (losses), net 10 — 1 — 79 — (24) — Other noninterest income (expense) — (1) — — — (2) — (1) Purchases 4 — 3 — 10 — 7 — Cost of investments sold (13) — — — (19) — (9) — Transfers out 1 (1) — — — (78) — — — Balance at end of period $ 72 $ 14 $ 81 $ 17 $ 72 $ 14 $ 81 $ 17 1 Represents the transfer of the SBIC investments that are now publicly traded out of Level 3 and into Level 1.
Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement	The rollforward of Level 3 fair value measurements includes the following realized gains and losses in the income statement: (In millions) Three Months Ended Nine Months Ended September 30, 2021 September 30, 2020 September 30, 2021 September 30, 2020 Securities gains (losses), net $ (6) $ — $ (11) $ 15
Schedule of Assets with Fair Value Changes on Nonrecurring Basis	The following schedule presents asset balances at period end that had fair value changes measured on a nonrecurring basis: (In millions) Fair value at September 30, 2021 Fair value at December 31, 2020 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Private equity investments $ — $ — $ — $ — $ — $ — $ 1 $ 1 Collateral-dependent loans — 1 — 1 — 14 — 14 Other real estate owned (OREO) — — — — — 1 — 1 Total $ — $ 1 $ — $ 1 $ — $ 15 $ 1 $ 16
Schedule of Fair Values Changes and Other Fair Value Information Related to OREO Assets
Schedule of Carrying Values and Estimated Fair Values	Following is a summary of the carrying values and estimated fair values of certain financial instruments: September 30, 2021 December 31, 2020 (In millions) Carrying Estimated Level Carrying Estimated Level Financial assets: HTM investment securities $ 459 $ 461 2 $ 636 $ 640 2 Loans and leases (including loans held for sale), net of allowance 50,254 50,648 3 52,780 53,221 3 Financial liabilities: Time deposits 1,688 1,695 2 2,588 2,603 2 Long-term debt 1,020 1,056 2 1,336 1,346 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2021
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	Gross and net information for certain financial instruments in the balance sheet is summarized as follows: September 30, 2021 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 1,858 $ — $ 1,858 $ — $ — $ 1,858 Derivatives (included in other assets) 262 — 262 (13) — 249 Total assets $ 2,120 $ — $ 2,120 $ (13) $ — $ 2,107 Liabilities: Federal funds purchased and other short-term borrowings $ 579 $ — $ 579 $ — $ — $ 579 Derivatives (included in other liabilities) 45 — 45 (13) (3) 29 Total liabilities $ 624 $ — $ 624 $ (13) $ (3) $ 608 December 31, 2020 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 6,457 $ (692) $ 5,765 $ — $ — $ 5,765 Derivatives (included in other assets) 418 — 418 (4) (3) 411 Total assets $ 6,875 $ (692) $ 6,183 $ (4) $ (3) $ 6,176 Liabilities: Federal funds purchased and other short-term borrowings $ 2,264 $ (692) $ 1,572 $ — $ — $ 1,572 Derivatives (included in other liabilities) 38 — 38 (4) (26) 8 Total liabilities $ 2,302 $ (692) $ 1,610 $ (4) $ (26) $ 1,580
Schedule of Offsetting Assets and Liabilities	Gross and net information for certain financial instruments in the balance sheet is summarized as follows: September 30, 2021 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 1,858 $ — $ 1,858 $ — $ — $ 1,858 Derivatives (included in other assets) 262 — 262 (13) — 249 Total assets $ 2,120 $ — $ 2,120 $ (13) $ — $ 2,107 Liabilities: Federal funds purchased and other short-term borrowings $ 579 $ — $ 579 $ — $ — $ 579 Derivatives (included in other liabilities) 45 — 45 (13) (3) 29 Total liabilities $ 624 $ — $ 624 $ (13) $ (3) $ 608 December 31, 2020 Gross amounts not offset in the balance sheet (In millions) Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and security resell agreements $ 6,457 $ (692) $ 5,765 $ — $ — $ 5,765 Derivatives (included in other assets) 418 — 418 (4) (3) 411 Total assets $ 6,875 $ (692) $ 6,183 $ (4) $ (3) $ 6,176 Liabilities: Federal funds purchased and other short-term borrowings $ 2,264 $ (692) $ 1,572 $ — $ — $ 1,572 Derivatives (included in other liabilities) 38 — 38 (4) (26) 8 Total liabilities $ 2,302 $ (692) $ 1,610 $ (4) $ (26) $ 1,580

Investments (Tables)

Investments (Tables)	9 Months Ended
	Sep. 30, 2021
Investments [Abstract]
Summary of Investment Securities	The following schedule summarizes the amortized cost and estimated fair values of our HTM and AFS securities: September 30, 2021 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 459 $ 4 $ 2 $ 461 Available-for-sale U.S. Treasury securities 155 — 27 128 U.S. Government agencies and corporations: Agency securities 874 21 — 895 Agency guaranteed mortgage-backed securities 16,841 153 175 16,819 Small Business Administration loan-backed securities 1,015 3 30 988 Municipal securities 1,513 48 5 1,556 Other debt securities 75 — — 75 Total available-for-sale 20,473 225 237 20,461 Total HTM and AFS investment securities $ 20,932 $ 229 $ 239 $ 20,922 December 31, 2020 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 636 $ 5 $ 1 $ 640 Available-for-sale U.S. Treasury securities 205 — 13 192 U.S. Government agencies and corporations: Agency securities 1,051 40 — 1,091 Agency guaranteed mortgage-backed securities 11,439 262 8 11,693 Small Business Administration loan-backed securities 1,195 — 35 1,160 Municipal securities 1,352 68 — 1,420 Other debt securities 175 — — 175 Total available-for-sale 15,417 370 56 15,731 Total HTM and AFS investment securities $ 16,053 $ 375 $ 57 $ 16,371
Contractual Maturities Debt Securities	The following schedule shows the amortized cost and weighted average yields of investment debt securities by contractual maturity of principal payments at September 30, 2021. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. September 30, 2021 Total debt investment securities Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity Municipal securities 1 $ 459 3.23 % $ 40 3.52 % $ 139 3.54 % $ 170 2.84 % $ 110 3.33 % Available-for-sale U.S. Treasury securities 155 1.28 — — — — — — 155 1.28 U.S. Government agencies and corporations: Agency securities 874 2.07 — — 351 1.36 274 2.43 249 2.66 Agency guaranteed mortgage-backed securities 16,841 1.60 — — 396 1.37 807 1.56 15,638 1.60 Small Business Administration loan-backed securities 1,015 1.36 — — 50 1.38 127 1.56 838 1.33 Municipal securities 1 1,513 2.34 102 1.99 658 2.51 494 2.17 259 2.38 Other debt securities 75 2.16 — — — — 60 1.99 15 2.85 Total available-for-sale securities 20,473 1.66 102 1.99 1,455 1.88 1,762 1.88 17,154 1.62 Total HTM and AFS investment securities $ 20,932 1.69 % $ 142 2.42 % $ 1,594 2.03 % $ 1,932 1.96 % $ 17,264 1.63 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis.
Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value	The following schedule summarizes the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position: September 30, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 2 $ 121 $ — $ 13 $ 2 $ 134 Available-for-sale U.S. Treasury securities — — 27 128 27 128 U.S. Government agencies and corporations: Agency securities — 110 — 1 — 111 Agency guaranteed mortgage-backed securities 155 10,434 20 534 175 10,968 Small Business Administration loan-backed securities — — 30 809 30 809 Municipal securities 5 377 — 2 5 379 Other — — — — — — Total available-for-sale 160 10,921 77 1,474 237 12,395 Total HTM and AFS investment securities $ 162 $ 11,042 $ 77 $ 1,487 $ 239 $ 12,529 December 31, 2020 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 1 $ 96 $ — $ 12 $ 1 $ 108 Available-for-sale U.S. Treasury securities 13 142 — — 13 142 U.S. Government agencies and corporations: Agency securities — 6 — 2 — 8 Agency guaranteed mortgage-backed securities 7 1,197 1 179 8 1,376 Small Business Administration loan-backed securities — 15 35 1,068 35 1,083 Municipal securities — 19 — — — 19 Other — 150 — — — 150 Total available-for-sale 20 1,529 36 1,249 56 2,778 Total HTM and AFS investment securities $ 21 $ 1,625 $ 36 $ 1,261 $ 57 $ 2,886
Held-to-maturity Year of Issuance and Risk Grade	The amortized cost basis of HTM securities categorized by year of issuance and risk classification as monitored by management is summarized as follows: September 30, 2021 Amortized cost basis by year of issuance (In millions) 2021 2020 2019 2018 2017 Prior Total Securities Held-to-maturity: Pass $ 96 $ 124 $ 10 $ — $ 8 $ 220 $ 458 Accruing substandard — — — — — 1 1 Total held-to-maturity $ 96 $ 124 $ 10 $ — $ 8 $ 221 $ 459
Gains and Losses, Including OTTI, Recognized in Statement of Income	The following summarizes gains and losses recognized in income: Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 (In millions) Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Other noninterest-bearing investments $ 6 $ 29 $ 5 $ 1 $ 86 $ 35 $ 13 $ 18 Net gains (losses) 1 $ (23) $ 4 $ 51 $ (5) 1 Net gains (losses) were recognized in securities gains (losses) in the income statement.
Interest Income by Security Type	Interest income by investment security type is as follows: Three Months Ended September 30, 2021 2020 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 3 $ 1 $ 4 $ 2 $ 3 $ 5 Available-for-sale 64 8 72 61 6 67 Trading — 2 2 — 2 2 Total securities $ 67 $ 11 $ 78 $ 63 $ 11 $ 74 Nine Months Ended September 30, 2021 2020 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 8 $ 4 $ 12 $ 7 $ 8 $ 15 Available-for-sale 182 22 204 196 19 215 Trading — 7 7 — 5 5 Total $ 190 $ 33 $ 223 $ 203 $ 32 $ 235

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2021
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	(In millions) September 30, December 31, Loans held for sale $ 67 $ 81 Commercial: Commercial and industrial $ 13,230 $ 13,444 PPP 3,080 5,572 Leasing 293 320 Owner-occupied 8,446 8,185 Municipal 3,400 2,951 Total commercial 28,449 30,472 Commercial real estate: Construction and land development 2,843 2,345 Term 9,310 9,759 Total commercial real estate 12,153 12,104 Consumer: Home equity credit line 2,834 2,745 1-4 family residential 6,140 6,969 Construction and other consumer real estate 584 630 Bankcard and other revolving plans 395 432 Other 123 124 Total consumer 10,076 10,900 Total loans and leases $ 50,678 $ 53,476
Summary of Changes in the Allowance for Credit Losses	Three Months Ended September 30, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 321 $ 111 $ 103 $ 535 Provision for loan losses (25) (10) (10) (45) Gross loan and lease charge-offs 4 — 4 8 Recoveries 7 — 2 9 Net loan and lease charge-offs (recoveries) (3) — 2 (1) Balance at end of period $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments Balance at beginning of period $ 21 $ 10 $ 8 $ 39 Provision for unfunded lending commitments (2) — 1 (1) Balance at end of period $ 19 $ 10 $ 9 $ 38 Total allowance for credit losses at end of period Allowance for loan losses $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments 19 10 9 38 Total allowance for credit losses $ 318 $ 111 $ 100 $ 529 Nine Months Ended September 30, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 464 $ 171 $ 142 $ 777 Provision for loan losses (162) (70) (49) (281) Gross loan and lease charge-offs 27 — 10 37 Recoveries 24 — 8 32 Net loan and lease charge-offs (recoveries) 3 — 2 5 Balance at end of period $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments Balance at beginning of period $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (11) (10) 1 (20) Balance at end of period $ 19 $ 10 $ 9 $ 38 Total allowance for credit losses at end of period Allowance for loan losses $ 299 $ 101 $ 91 $ 491 Reserve for unfunded lending commitments 19 10 9 38 Total allowance for credit losses $ 318 $ 111 $ 100 $ 529 Three Months Ended September 30, 2020 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 571 $ 144 $ 145 $ 860 Provision for loan losses 41 6 (2) 45 Gross loan and lease charge-offs 54 1 3 58 Recoveries 4 — 2 6 Net loan and lease charge-offs (recoveries) 50 1 1 52 Balance at end of period $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments Balance at beginning of period $ 27 $ 20 $ 7 $ 54 Provision for unfunded lending commitments 14 (4) — 10 Balance at end of period $ 41 $ 16 $ 7 $ 64 Total allowance for credit losses at end of period Allowance for loan losses $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments 41 16 7 64 Total allowance for credit losses $ 603 $ 165 $ 149 $ 917 Nine Months Ended September 30, 2020 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 282 $ 69 $ 146 $ 497 Provision for loan losses 364 81 1 446 Gross loan and lease charge-offs 95 1 11 107 Recoveries 11 — 6 17 Net loan and lease charge-offs (recoveries) 84 1 5 90 Balance at end of period $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments Balance at beginning of period $ 11 $ 12 $ 6 $ 29 Provision for unfunded lending commitments 30 4 1 35 Balance at end of period $ 41 $ 16 $ 7 $ 64 Total allowance for credit losses at end of period Allowance for loan losses $ 562 $ 149 $ 142 $ 853 Reserve for unfunded lending commitments 41 16 7 64 Total allowance for credit losses $ 603 $ 165 $ 149 $ 917
Summary of Nonaccrual Loans	The amortized cost basis of loans on nonaccrual status is summarized as follows: September 30, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 27 $ 130 $ 157 $ 30 Owner-occupied 41 26 67 3 Total commercial 68 156 224 33 Commercial real estate: Term 11 14 25 1 Total commercial real estate 11 14 25 1 Consumer: Home equity credit line 5 10 15 3 1-4 family residential 12 46 58 6 Bankcard and other revolving plans — 1 1 — Total consumer loans 17 57 74 9 Total $ 96 $ 227 $ 323 $ 43 December 31, 2020 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 73 $ 67 $ 140 $ 22 Owner-occupied 38 38 76 4 Total commercial 111 105 216 26 Commercial real estate: Term 12 19 31 3 Total commercial real estate 12 19 31 3 Consumer: Home equity credit line 2 14 16 3 1-4 family residential 14 89 103 9 Bankcard and other revolving plans — 1 1 1 Total consumer loans 16 104 120 13 Total $ 139 $ 228 $ 367 $ 42 The amount of accrued interest receivables written-off by reversing interest income during the period is summarized by loan portfolio segment as follows: Three Months Ended Nine Months Ended (In millions) 2021 2020 2021 2020 Commercial $ 3 $ 5 $ 11 $ 13 Commercial real estate 1 1 1 2 Consumer — — — — Total $ 4 $ 6 $ 12 $ 15
Summary of Past Due Loans (Accruing and Nonaccruing)	Past due loans (accruing and nonaccruing) are summarized as follows: September 30, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,191 $ 16 $ 23 $ 39 $ 13,230 $ 2 $ 133 PPP 3,078 2 — 2 3,080 — — Leasing 293 — — — 293 — — Owner-occupied 8,362 66 18 84 8,446 2 49 Municipal 3,400 — — — 3,400 — — Total commercial 28,324 84 41 125 28,449 4 182 Commercial real estate: Construction and land development 2,824 19 — 19 2,843 — — Term 9,288 7 15 22 9,310 — 7 Total commercial real estate 12,112 26 15 41 12,153 — 7 Consumer: Home equity credit line 2,828 2 4 6 2,834 — 10 1-4 family residential 6,103 8 29 37 6,140 — 27 Construction and other consumer real estate 584 — — — 584 — — Bankcard and other revolving plans 391 3 1 4 395 — 1 Other 122 1 — 1 123 — — Total consumer loans 10,028 14 34 48 10,076 — 38 Total $ 50,464 $ 124 $ 90 $ 214 $ 50,678 $ 4 $ 227 December 31, 2020 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,388 $ 26 $ 30 $ 56 $ 13,444 $ 2 $ 109 PPP 5,572 — — — 5,572 — — Leasing 320 — — — 320 — 1 Owner-occupied 8,129 34 22 56 8,185 — 48 Municipal 2,951 — — — 2,951 — — Total commercial 30,360 60 52 112 30,472 2 158 Commercial real estate: Construction and land development 2,341 — 4 4 2,345 4 — Term 9,692 57 10 67 9,759 4 13 Total commercial real estate 12,033 57 14 71 12,104 8 13 Consumer: Home equity credit line 2,733 8 4 12 2,745 — 9 1-4 family residential 6,891 12 66 78 6,969 — 33 Construction and other consumer real estate 630 — — — 630 — Bankcard and other revolving plans 428 2 2 4 432 2 1 Other 123 1 — 1 124 — — Total consumer loans 10,805 23 72 95 10,900 2 43 Total $ 53,198 $ 140 $ 138 $ 278 $ 53,476 $ 12 $ 214 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators	The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and risk classification as monitored by management. The year of origination is generally represented by the year the loan was either originated or the year in which the loan was renewed or restructured. September 30, 2021 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Commercial: Commercial and industrial Pass $ 1,804 $ 1,419 $ 1,377 $ 855 $ 354 $ 277 $ 6,018 $ 182 $ 12,286 Special Mention 6 15 37 15 30 4 172 1 280 Accruing Substandard 20 36 109 82 31 77 150 2 507 Nonaccrual 3 11 4 3 4 26 87 19 157 Total commercial and industrial 1,833 1,481 1,527 955 419 384 6,427 204 13,230 PPP Pass 1,950 1,130 — — — — — — 3,080 Nonaccrual — — — — — — — — — Total PPP 1,950 1,130 — — — — — — 3,080 Leasing Pass 16 52 73 69 46 22 — — 278 Special Mention — 1 6 1 1 — — — 9 Accruing Substandard — — — — — 6 — — 6 Nonaccrual — — — — — — — — — Total leasing 16 53 79 70 47 28 — — 293 Owner-occupied Pass 1,591 1,504 1,052 914 743 1,858 135 68 7,865 Special Mention 9 18 28 45 21 59 3 6 189 Accruing Substandard 67 23 42 48 29 101 14 1 325 Nonaccrual — 6 13 15 10 21 2 — 67 Total owner-occupied 1,667 1,551 1,135 1,022 803 2,039 154 75 8,446 Municipal Pass 858 979 606 290 365 249 3 — 3,350 Special Mention 10 — — — — 26 — — 36 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 868 988 606 290 365 280 3 — 3,400 Total commercial 6,334 5,203 3,347 2,337 1,634 2,731 6,584 279 28,449 Commercial real estate: Construction and land development Pass 449 765 723 124 43 2 637 60 2,803 Special Mention — — 1 — — — — — 1 Accruing Substandard 12 — 27 — — — — — 39 Nonaccrual — — — — — — — — — Total construction and land development 461 765 751 124 43 2 637 60 2,843 Term Pass 1,636 1,964 1,595 1,121 590 1,561 194 195 8,856 Special Mention 65 21 32 73 12 31 — 3 237 Accruing Substandard 8 9 25 59 16 73 — 2 192 Nonaccrual — 1 5 — — — 19 — 25 Total term 1,709 1,995 1,657 1,253 618 1,665 213 200 9,310 Total commercial real estate 2,170 2,760 2,408 1,377 661 1,667 850 260 12,153 September 30, 2021 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,715 100 2,815 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 8 7 15 Total home equity credit line — — — — — — 2,727 107 2,834 1-4 family residential Pass 969 1,076 791 553 762 1,929 — — 6,080 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 3 5 3 12 35 — — 58 Total 1-4 family residential 969 1,079 796 556 774 1,966 — — 6,140 Construction and other consumer real estate Pass 162 273 104 31 5 8 — — 583 Special Mention — — — — — — — — — Accruing Substandard — 1 — — — — — — 1 Nonaccrual — — — — — — — — — Total construction and other consumer real estate 162 274 104 31 5 8 — — 584 Bankcard and other revolving plans Pass — — — — — — 390 3 393 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 392 3 395 Other consumer Pass 56 26 20 12 6 3 — — 123 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 56 26 20 12 6 3 — — 123 Total consumer 1,187 1,379 920 599 785 1,977 3,119 110 10,076 Total loans $ 9,691 $ 9,342 $ 6,675 $ 4,313 $ 3,080 $ 6,375 $ 10,553 $ 649 $ 50,678 December 31, 2020 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2020 2019 2018 2017 2016 Prior Total Commercial: Commercial and industrial Pass $ 2,585 $ 2,743 $ 1,903 $ 829 $ 296 $ 228 $ 3,298 $ 109 $ 11,991 Special Mention 79 152 183 98 4 43 110 1 670 Accruing Substandard 123 157 129 44 26 17 141 6 643 Nonaccrual 57 2 10 8 2 15 36 10 140 Total commercial and industrial 2,844 3,054 2,225 979 328 303 3,585 126 13,444 PPP Pass 5,572 — — — — — — — 5,572 Total PPP 5,572 — — — — — — — 5,572 Leasing Pass 87 121 44 34 14 5 — — 305 Special Mention 1 — 2 1 — 6 — — 10 Accruing Substandard 2 1 1 1 — — — — 5 Nonaccrual — — — — — — — — — Total leasing 90 122 47 36 14 11 — — 320 Owner-occupied Pass 1,588 1,205 1,167 895 585 1,806 161 11 7,418 Special Mention 72 65 60 60 51 41 9 3 361 Accruing Substandard 28 64 61 37 35 98 6 1 330 Nonaccrual 8 11 15 11 6 23 2 — 76 Total owner-occupied 1,696 1,345 1,303 1,003 677 1,968 178 15 8,185 Municipal Pass 1,031 827 359 419 68 227 3 — 2,934 Special Mention — — — — — 8 — — 8 Accruing Substandard — — — — — 9 — — 9 Nonaccrual — — — — — — — — — Total municipal 1,031 827 359 419 68 244 3 — 2,951 Total commercial 11,233 5,348 3,934 2,437 1,087 2,526 3,766 141 30,472 Commercial real estate: Construction and land development Pass 558 933 267 41 1 6 423 3 2,232 Special Mention 24 43 11 — — — 5 — 83 Accruing Substandard — 30 — — — — — — 30 Nonaccrual — — — — — — — — — Total construction and land development 582 1,006 278 41 1 6 428 3 2,345 Term Pass 2,524 1,858 1,639 761 778 1,291 73 20 8,944 Special Mention 110 89 177 42 23 85 — 5 531 Accruing Substandard 41 34 96 30 18 34 — — 253 Nonaccrual 3 5 — 2 1 20 — — 31 Total term 2,678 1,986 1,912 835 820 1,430 73 25 9,759 Total commercial real estate 3,260 2,992 2,190 876 821 1,436 501 28 12,104 December 31, 2020 Term loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2020 2019 2018 2017 2016 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,606 115 2,721 Special Mention — — — — — — 2 — 2 Accruing Substandard — — — — — — 6 — 6 Nonaccrual — — — — — — 11 5 16 Total home equity credit line — — — — — — 2,625 120 2,745 1-4 family residential Pass 1,185 1,017 833 1,081 1,174 1,570 — — 6,860 Special Mention — — — — — 2 — — 2 Accruing Substandard — — 1 — 2 1 — — 4 Nonaccrual 2 12 7 19 15 48 — — 103 Total 1-4 family residential 1,187 1,029 841 1,100 1,191 1,621 — — 6,969 Construction and other consumer real estate Pass 200 296 106 16 1 11 — — 630 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 200 296 106 16 1 11 — — 630 Bankcard and other revolving plans Pass — — — — — — 426 2 428 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — — 1 1 Total bankcard and other revolving plans — — — — — — 429 3 432 Other consumer Pass 51 35 22 10 4 2 — — 124 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 51 35 22 10 4 2 — — 124 Total consumer 1,438 1,360 969 1,126 1,196 1,634 3,054 123 10,900 Total loans $ 15,931 $ 9,700 $ 7,093 $ 4,439 $ 3,104 $ 5,596 $ 7,321 $ 292 $ 53,476
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type	Information on TDRs, including the amortized cost on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules: September 30, 2021 Amortized cost resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 2 $ — $ — $ — $ — $ 15 $ 17 Owner-occupied 5 4 — 8 15 46 78 Total commercial 7 4 — 8 15 61 95 Commercial real estate: Construction and land development — — — — — — — Term 1 26 — 27 41 8 103 Total commercial real estate 1 26 — 27 41 8 103 Consumer: Home equity credit line — 1 6 — — 2 9 1-4 family residential 5 1 3 — 1 14 24 Total consumer loans 5 2 9 — 1 16 33 Total accruing 13 32 9 35 57 85 231 Nonaccruing Commercial: Commercial and industrial 17 1 — 2 7 42 69 Owner-occupied 5 — — 3 — 17 25 Total commercial 22 1 — 5 7 59 94 Commercial real estate: Term 2 — — 12 4 3 21 Total commercial real estate 2 — — 12 4 3 21 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 1 — — 3 5 Total consumer loans — 1 2 — — 3 6 Total nonaccruing 24 2 2 17 11 65 121 Total $ 37 $ 34 $ 11 $ 52 $ 68 $ 150 $ 352 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types. December 31, 2020 Amortized cost resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ — $ — $ — $ — $ 3 $ 4 $ 7 Owner-occupied 5 1 — 4 4 8 22 Total commercial 5 1 — 4 7 12 29 Commercial real estate: Term 1 — — 16 94 23 134 Total commercial real estate 1 — — 16 94 23 134 Consumer: Home equity credit line — 1 7 — — 2 10 1-4 family residential 4 1 3 — 2 15 25 Total consumer loans 4 2 10 — 2 17 35 Total accruing 10 3 10 20 103 52 198 Nonaccruing Commercial: Commercial and industrial — — — 3 10 52 65 Owner-occupied 5 — — 3 — 10 18 Total commercial 5 — — 6 10 62 83 Commercial real estate: Term 2 — — 13 3 2 20 Total commercial real estate 2 — — 13 3 2 20 Consumer: Home equity credit line — — 2 — — — 2 1-4 family residential 1 1 — — — 6 8 Total consumer loans 1 1 2 — — 6 10 Total nonaccruing 8 1 2 19 13 70 113 Total $ 18 $ 4 $ 12 $ 39 $ 116 $ 122 $ 311 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types.
Summary of Collateral-Dependent Loans	Select information on loans for which the repayment is expected to be provided substantially through the operation or sale of the underlying collateral and the borrower is experiencing financial difficulties, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: September 30, 2021 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 13 Single family residential, Agriculture 36% Owner-occupied 10 Office building 43% Commercial real estate: Term 7 Multi-family, Hotel/Motel, Retail 41% Consumer: Home equity credit line 5 Single family residential 37% 1-4 family residential 2 Single family residential 51% Total $ 37 1 The fair value is based on the most recent appraisal or other collateral evaluation. December 31, 2020 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 20 Single family residential, Agriculture 55% Owner-occupied 10 Office Building 47% Commercial real estate: Term 12 Multi-family, Hotel/Motel, Retail 58% Consumer: Home equity credit line 3 Single family residential 34% 1-4 family residential 2 Single family residential 60% Total $ 47 1 The fair value is based on the most recent appraisal or other collateral evaluation.

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2021
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	Certain information with respect to notional amounts and recorded gross fair values at September 30, 2021 and December 31, 2020, is summarized as follows: September 30, 2021 December 31, 2020 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 5,383 $ — $ — $ 3,150 $ — $ — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 383 10 — 383 3 — Total derivatives designated as hedging instruments 6,266 10 — 4,033 3 — Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives 1 6,334 235 25 5,986 390 2 Offsetting interest rate derivatives 2 6,334 28 241 5,986 3 409 Other interest rate derivatives 1,476 10 — 1,649 20 3 Foreign exchange derivatives 386 4 4 223 4 4 Total derivatives not designated as hedging instruments 14,530 277 270 13,844 417 418 Total derivatives $ 20,796 $ 287 $ 270 $ 17,877 $ 420 $ 418 1 Customer-facing interest rate derivatives include a net CVA of $3 million and $18 million, reducing the fair value amount at September 30, 2021 and December 31, 2020, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty. 2 The fair value amounts for these derivatives do not include the settlement amounts for those trades that are centrally cleared. Once the settlement amounts with the clearing houses are included the derivative fair values would be the following: September 30, 2021 December 31, 2020 (In millions) Other assets Other liabilities Other assets Other liabilities Offsetting interest rate derivatives $ 3 $ 16 $ 1 $ 29
Schedule of Derivative Gains (Losses) Deferred in OCI or Recognized in Earnings	The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in OCI or recognized in earnings for the three and nine months ended September 30, 2021 and 2020 is shown in the schedules below. Amount of derivative gain (loss) recognized/reclassified Three Months Ended September 30, 2021 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps 4 — 13 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 2 — Basis amortization on terminated hedges 2, 3 — — — 3 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ 4 $ — $ 16 $ 4 $ — Amount of derivative gain (loss) recognized/reclassified Nine Months Ended September 30, 2021 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 8 $ — $ — Interest rate swaps (5) — 38 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 6 — Basis amortization on terminated hedges 2, 3 — — — 9 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (2) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (5) $ — $ 46 $ 13 $ — Amount of derivative gain (loss) recognized/reclassified Three Months Ended September 30, 2020 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps (1) — 13 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 1 — Basis amortization on terminated hedges 2, 3 — — — 3 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — — — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (1) $ — $ 16 $ 4 $ — Amount of derivative gain (loss) recognized/reclassified Nine Months Ended September 30, 2020 (In millions) Effective portion of derivatives gain/(loss) deferred in OCI Excluded components deferred in OCI (amortization approach) Amount of gain/(loss) reclassified from OCI into income Interest on fair value hedges Hedge ineffectiveness/OCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 8 $ — $ — Interest rate swaps 101 — 24 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 4 — Basis amortization on terminated hedges 2, 3 — — — 10 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — — — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ 101 $ — $ 32 $ 14 $ — 1 Amounts recognized in OCI and reclassified from AOCI represent the effective portion of the derivative gain (loss). For the 12 months following September 30, 2021, we estimate that $42 million will be reclassified from AOCI into interest income. 2 Adjustment to interest expense resulting from the amortization of the debt basis adjustment on fixed-rate debt previously hedged by terminated receive-fixed interest rate. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at September 30, 2021 is $2 million and $7 million of terminated fair value debt and asset hedges, respectively. The amortization of the cumulative unamortized basis adjustment from asset hedges is not shown in the schedules because it is not significant.
Schedule of Gains (Losses) Recognized From Derivatives Not Designated as Accounting Hedges	The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest Income/(Expense) (In millions) Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ (5) $ (100) $ 4 $ 350 Offsetting interest rate derivatives 12 129 9 (343) Other interest rate derivatives 3 (7) 3 14 Foreign exchange derivatives 6 17 4 16 Total derivatives not designated as hedging instruments $ 16 $ 39 $ 20 $ 37
Schedule of Fair Value Hedges	The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented. Gain/(loss) recorded in income Three Months Ended September 30, 2021 Three Months Ended September 30, 2020 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ (4) $ 4 $ — $ (3) $ 3 $ — Assets: Pay-fixed interest rate swaps 1, 2 4 (4) — 11 (11) — Gain/(loss) recorded in income Nine Months Ended September 30, 2021 Nine Months Ended September 30, 2020 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ (27) $ 27 $ — $ 72 $ (72) $ — Assets: Pay-fixed interest rate swaps 1, 2 27 (27) — 11 (11) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in net interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. The following schedule provides information regarding basis adjustments for hedged items.
Schedule of Basis Adjustments for Hedged Items	Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 September 30, 2021 December 31, 2020 Long-term fixed-rate debt $ (500) $ (500) $ (510) $ (537) $ (10) $ (37) Fixed-rate AFS securities 383 383 335 362 (48) (21) 1 Carrying amounts displayed above exclude (1) issuance and purchase discounts or premiums, (2) unamortized issuance and acquisition costs, and (3) amounts related to terminated fair value hedges.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2021
Leases [Abstract]
Lease Related Assets and Liabilities	The following schedule presents lease-related assets and liabilities, their weighted average remaining life, and the weighted average discount rate: (Dollar amounts in millions) September 30, December 31, 2020 Operating assets and liabilities Operating right-of-use assets, net of amortization $ 196 $ 213 Operating lease liabilities 223 240 Weighted average remaining lease term (years) Operating leases 8.6 8.9 Finance leases 18.5 19.2 Weighted average discount rate Operating leases 2.8 % 2.9 % Finance leases 3.1 % 3.1 %
Lease Expense	The components of lease expense are as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 Operating lease costs $ 12 $ 12 $ 35 $ 37 Variable lease costs 12 12 37 36 Total lease cost $ 24 $ 24 $ 72 $ 73 Supplemental cash flow information related to leases is as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 Operating cash disbursements from operating leases $ 13 $ 13 $ 38 $ 38 New operating lease liabilities are as follows: Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2021 2020 2021 2020 New operating lease liabilities $ 1 $ — $ 1 $ 6
Lease Maturity Analysis	Contractual undiscounted lease payments for operating lease liabilities, due by year, include: (In millions) 2021 1 $ 12 2022 48 2023 42 2024 33 2025 24 Thereafter 99 Total $ 258 1 Contractual maturities for the three months remaining in 2021.

Long-Term Debt and Shareholde_2

Long-Term Debt and Shareholders' Equity (Tables)	9 Months Ended
	Sep. 30, 2021
Debt And Equity [Abstract]
Schedule of Long-term Debt	The long-term debt carrying values in the following schedule represent the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and basis adjustments for interest rate swaps designated as fair value hedges. LONG-TERM DEBT (In millions) September 30, December 31, 2020 Amount change Percent change Subordinated notes $ 593 $ 619 $ (26) (4) % Senior notes 423 713 (290) (41) Finance lease obligations 4 4 — — Total $ 1,020 $ 1,336 $ (316) (24) %
Schedule of Changes in Accumulated Other Comprehensive Income	Changes in AOCI by component are as follows: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total Nine Months Ended September 30, 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 OCI (loss) before reclassifications, net of tax (225) (1) — (226) Amounts reclassified from AOCI, net of tax — (35) — (35) Other comprehensive income (loss) (225) (36) — (261) Balance at September 30, 2021 $ 33 $ 33 $ (2) $ 64 Income tax benefit included in other comprehensive income (loss) $ (73) $ (12) $ — $ (85) Nine Months Ended September 30, 2020 Balance at December 31, 2019 $ 29 $ 28 $ (14) $ 43 OCI before reclassifications, net of tax 228 72 13 313 Amounts reclassified from AOCI, net of tax — (24) — (24) Other comprehensive income 228 48 13 289 Balance at September 30, 2020 $ 257 $ 76 $ (1) $ 332 Income tax expense included in OCI $ 75 $ 16 $ 4 $ 95
Reclassification out of Accumulated Other Comprehensive Income	Amounts reclassified from AOCI 1 Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Nine Months Ended Details about AOCI components 2021 2020 2021 2020 Affected line item Net unrealized gains on derivative instruments $ 16 $ 16 $ 46 $ 32 SI Interest and fees on loans Income tax expense 4 4 11 8 Amounts reclassified from AOCI $ 12 $ 12 $ 35 $ 24 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and _2

Commitments, Guarantees, and Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 2021
Guarantees, Commitments And Contingencies [Abstract]
Schedule of Off Balance Sheet Financial Instruments	Contractual amounts of various off-balance sheet obligations used to meet the financing needs of our customers are as follows: (In millions) September 30, December 31, Net unfunded commitments to extend credit 1 $ 25,216 $ 24,217 Standby letters of credit: Financial 649 531 Performance 234 167 Commercial letters of credit 39 34 Total unfunded lending commitments $ 26,138 $ 24,949 1 Net of participations.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	9 Months Ended
	Sep. 30, 2021
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The schedule below presents noninterest income and net revenue by operating business segments for the three months ended September 30, 2021 and 2020. Certain prior period amounts have been reclassified to conform with the current period presentation. These reclassifications did not affect net income or shareholders’ equity. Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 12 $ 11 $ 10 $ 9 $ 7 $ 5 Card fees 15 12 8 6 4 3 Retail and business banking fees 6 5 4 4 3 3 Capital markets and foreign exchange fees — — 1 1 — — Wealth management fees 5 5 3 2 2 1 Other customer-related fees 2 2 1 2 1 1 Total noninterest income from contracts with customers (ASC 606) 40 35 27 24 17 13 Other noninterest income (non-ASC 606 customer-related) 4 5 10 8 6 8 Total customer-related fees 44 40 37 32 23 21 Other noninterest income (noncustomer-related) (1) — — — 2 1 Total noninterest income 43 40 37 32 25 22 Other real estate owned gain from sale — — — — — 1 Net interest income 161 162 117 121 135 129 Total income less interest expense $ 204 $ 202 $ 154 $ 153 $ 160 $ 152 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 2 $ 2 $ 3 $ 2 $ 2 $ 2 Card fees 3 2 3 3 2 1 Retail and business banking fees 2 2 3 2 1 1 Capital markets and foreign exchange fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 8 7 10 8 6 5 Other noninterest income (non-ASC 606 customer-related) 4 2 3 2 2 3 Total customer-related fees 12 9 13 10 8 8 Other noninterest income (noncustomer-related) 1 — — — — — Total noninterest income 13 9 13 10 8 8 Other real estate owned gain from sale — — — — — — Net interest income 50 54 38 37 34 34 Total income less interest expense $ 63 $ 63 $ 51 $ 47 $ 42 $ 42 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 1 $ — $ (3) $ 1 $ 34 $ 32 Card fees — — — 1 35 28 Retail and business banking fees — — 1 — 20 17 Capital markets and foreign exchange fees — — 1 2 2 3 Wealth management fees — — — (1) 12 9 Other customer-related fees — — 9 6 14 12 Total noninterest income from contracts with customers (ASC 606) 1 — 8 9 117 101 Other noninterest income (non-ASC 606 customer-related) — 1 5 9 34 38 Total customer-related fees 1 1 13 18 151 139 Other noninterest income (noncustomer-related) — — (14) 17 (12) 18 Total noninterest income 1 1 (1) 35 139 157 Other real estate owned gain from sale — — — — — 1 Net interest income 12 13 8 5 555 555 Total income less interest expense $ 13 $ 14 $ 7 $ 40 $ 694 $ 713 The following schedule presents the noninterest income and net revenue by operating segments for the nine months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 34 $ 31 $ 28 $ 28 $ 19 $ 17 Card fees 42 36 21 18 12 10 Retail and business banking fees 17 15 11 11 9 8 Capital markets and foreign exchange fees — (1) 2 4 — — Wealth management fees 15 13 9 8 4 3 Other customer-related fees 5 6 4 5 3 4 Total noninterest income from contracts with customers (ASC 606) 113 100 75 74 47 42 Other noninterest income (non-ASC 606 customer-related) 16 17 27 25 23 23 Total customer-related fees 129 117 102 99 70 65 Other noninterest income (noncustomer-related) (1) (1) 2 — 4 1 Total noninterest income 128 116 104 99 74 66 Other real estate owned gain from sale — — — — — 1 Net interest income 477 491 350 368 399 381 Total income less interest expense $ 605 $ 607 $ 454 $ 467 $ 473 $ 448 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 5 $ 5 $ 7 $ 6 $ 5 $ 5 Card fees 8 7 9 7 5 4 Retail and business banking fees 7 6 8 7 3 3 Capital markets and foreign exchange fees — — — — — — Wealth management fees 2 2 3 3 1 1 Other customer-related fees 1 1 — — 2 2 Total noninterest income from contracts with customers (ASC 606) 23 21 27 23 16 15 Other noninterest income (non-ASC 606 customer-related) 10 9 11 8 8 9 Total customer-related fees 33 30 38 31 24 24 Other noninterest income (noncustomer-related) 2 — — — — — Total noninterest income 35 30 38 31 24 24 Other real estate owned gain from sale — — — — — — Net interest income 155 162 111 110 103 101 Total income less interest expense $ 190 $ 192 $ 149 $ 141 $ 127 $ 125 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 Commercial account fees $ 1 $ 1 $ 1 $ — $ 100 $ 93 Card fees 1 1 — — 98 83 Retail and business banking fees — — (1) — 54 50 Capital markets and foreign exchange fees — — 4 6 6 9 Wealth management fees — — — (2) 34 28 Other customer-related fees 1 1 22 16 38 35 Total noninterest income from contracts with customers (ASC 606) 3 3 26 20 330 298 Other noninterest income (non-ASC 606 customer-related) 1 1 (3) 21 93 113 Total customer-related fees 4 4 23 41 423 411 Other noninterest income (noncustomer-related) — — 83 (3) 90 (3) Total noninterest income 4 4 106 38 513 408 Other real estate owned gain from sale — — — — — 1 Net interest income 40 39 20 13 1,655 1,665 Total income less interest expense $ 44 $ 43 $ 126 $ 51 $ 2,168 $ 2,074

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2021
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method	Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: Three Months Ended Nine Months Ended (In millions, except shares and per share amounts) 2021 2020 2021 2020 Basic: Net income $ 240 $ 175 $ 916 $ 255 Less common and preferred dividends 68 64 197 193 Less impact from redemption of preferred stock — — 3 — Undistributed earnings 172 111 716 62 Less undistributed earnings applicable to nonvested shares 1 1 6 1 Undistributed earnings applicable to common shares 171 110 710 61 Distributed earnings applicable to common shares 61 56 172 168 Total earnings applicable to common shares $ 232 $ 166 $ 882 $ 229 Weighted average common shares outstanding (in thousands) 160,221 163,608 162,159 163,764 Net earnings per common share $ 1.45 $ 1.01 $ 5.44 $ 1.40 Diluted: Total earnings applicable to common shares $ 232 $ 166 $ 882 $ 229 Weighted average common shares outstanding (in thousands) 160,221 163,608 162,159 163,764 Dilutive effect of common stock warrants (in thousands) — — — 2,027 Dilutive effect of stock options (in thousands) 259 171 301 238 Weighted average diluted common shares outstanding (in thousands) 160,480 163,779 162,460 166,029 Net earnings per common share $ 1.45 $ 1.01 $ 5.43 $ 1.38
Schedule of Weighted Average Number of Shares	The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: Three Months Ended Nine Months Ended (In thousands) 2021 2020 2021 2020 Restricted stock and restricted stock units 1,358 1,316 1,382 1,347 Stock options 294 923 227 878

Operating Segment Information (

Operating Segment Information (Tables)	9 Months Ended
	Sep. 30, 2021
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information for the three months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 161 $ 162 $ 117 $ 121 $ 135 $ 129 Provision for credit losses (10) (10) (10) 6 (12) 36 Net interest income after provision for credit losses 171 172 127 115 147 93 Noninterest income 43 40 37 32 25 22 Noninterest expense 115 111 83 82 77 74 Income (loss) before income taxes $ 99 $ 101 $ 81 $ 65 $ 95 $ 41 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 12,985 $ 14,237 $ 11,865 $ 13,476 $ 12,672 $ 12,954 Total average deposits 24,399 19,283 15,925 13,628 15,900 14,462 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 50 $ 54 $ 38 $ 37 $ 34 $ 34 Provision for credit losses (5) 6 (5) (2) (4) 18 Net interest income after provision for credit losses 55 48 43 39 38 16 Noninterest income 13 9 13 10 8 8 Noninterest expense 38 37 34 35 28 27 Income (loss) before income taxes $ 30 $ 20 $ 22 $ 14 $ 18 $ (3) SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,689 $ 5,305 $ 2,892 $ 3,310 $ 3,339 $ 3,542 Total average deposits 7,259 5,996 6,870 5,704 4,362 3,838 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 12 $ 13 $ 8 $ 5 $ 555 $ 555 Provision for credit losses 1 1 (1) — (46) 55 Net interest income after provision for credit losses 11 12 9 5 601 500 Noninterest income 1 1 (1) 35 139 157 Noninterest expense 5 5 49 71 429 442 Income (loss) before income taxes $ 7 $ 8 $ (41) $ (31) $ 311 $ 215 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,542 $ 1,550 $ 867 $ 619 $ 50,851 $ 54,993 Total average deposits 1,552 1,316 1,144 2,276 77,411 66,503 The following schedule presents selected operating segment information for the nine months ended September 30, 2021 and 2020: Zions Bank Amegy CB&T (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 477 $ 491 $ 350 $ 368 $ 399 $ 381 Provision for credit losses (29) 84 (108) 133 (81) 120 Net interest income after provision for credit losses 506 407 458 235 480 261 Noninterest income 128 116 104 99 74 66 Noninterest expense 346 332 251 243 233 225 Income (loss) before income taxes $ 288 $ 191 $ 311 $ 91 $ 321 $ 102 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,318 $ 13,821 $ 12,337 $ 13,149 $ 12,924 $ 12,170 Total average deposits 23,001 17,735 15,179 12,775 15,564 13,375 NBAZ NSB Vectra (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 155 $ 162 $ 111 $ 110 $ 103 $ 101 Provision for credit losses (29) 41 (35) 49 (15) 41 Net interest income after provision for credit losses 184 121 146 61 118 60 Noninterest income 35 30 38 31 24 24 Noninterest expense 112 109 106 105 85 80 Income (loss) before income taxes $ 107 $ 42 $ 78 $ (13) $ 57 $ 4 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,914 $ 5,097 $ 3,085 $ 3,066 $ 3,422 $ 3,379 Total average deposits 6,949 5,608 6,500 5,313 4,344 3,497 TCBW Other Consolidated Bank (In millions) 2021 2020 2021 2020 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 40 $ 39 $ 20 $ 13 $ 1,655 $ 1,665 Provision for credit losses (3) 10 (1) 3 (301) 481 Net interest income after provision for credit losses 43 29 21 10 1,956 1,184 Noninterest income 4 4 106 38 513 408 Noninterest expense 16 16 143 169 1,292 1,279 Income (loss) before income taxes $ 31 $ 17 $ (16) $ (121) $ 1,177 $ 313 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,573 $ 1,431 $ 845 $ 581 $ 52,418 $ 52,694 Total average deposits 1,484 1,216 1,500 2,634 74,521 62,153

Basis of Presentation (Details)

Basis of Presentation (Details)	Sep. 30, 2021segmentstate
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states in which entity operates | state	11
Number of community regional banks operating in distinct geographical areas | segment	7

Fair Value (Schedule of Assets

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Investment securities, available-for-sale	$ 20,461	$ 15,731
Trading account	305	266
Total assets	21,836	17,163
LIABILITIES
Securities sold, not yet purchased	32	61
Total liabilities	77	99
U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	18,830	14,136
Municipal securities
ASSETS
Investment securities, available-for-sale	1,556	1,420
Other debt securities
ASSETS
Investment securities, available-for-sale	75	175
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	535	532
Private equity investments
ASSETS
Other noninterest-bearing investments	122	80
Agriculture loan servicing and interest-only strips
ASSETS
Other assets	14	16
Derivatives | Derivatives designated as hedges
ASSETS
Other assets	10	3
Interest rate | Derivatives not designated as hedging instruments
ASSETS
Other assets	248	411
LIABILITIES
Other liabilities	41	34
Foreign exchange | Derivatives not designated as hedging instruments
ASSETS
Other assets	4	4
LIABILITIES
Other liabilities	4	4
Level 1
ASSETS
Investment securities, available-for-sale	128	192
Trading account	66	111
Total assets	385	427
LIABILITIES
Securities sold, not yet purchased	32	61
Total liabilities	36	65
Level 1 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	128	192
Level 1 | Private equity investments
ASSETS
Other noninterest-bearing investments	50
Level 1 | Foreign exchange | Derivatives not designated as hedging instruments
ASSETS
Other assets	4	4
LIABILITIES
Other liabilities	4	4
Level 2
ASSETS
Investment securities, available-for-sale	20,333	15,539
Trading account	239	155
Total assets	21,365	16,640
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	41	34
Level 2 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	18,702	13,944
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,556	1,420
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	75	175
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	535	532
Level 2 | Derivatives | Derivatives designated as hedges
ASSETS
Other assets	10	3
Level 2 | Interest rate | Derivatives not designated as hedging instruments
ASSETS
Other assets	248	411
LIABILITIES
Other liabilities	41	34
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Total assets	86	96
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	0	0
Level 3 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	0	0
Level 3 | Private equity investments
ASSETS
Other noninterest-bearing investments	72	80
Level 3 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets	14	16
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	137	120
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	$ 137	$ 120

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Private equity investments carried at cost	$ 18	$ 8
Federal Reserve and Federal Home Loan Bank stock	102	109
Private equity investments accounted for under the equity method	$ 74	$ 61

Fair Value (Schedule of Asset_2

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs) (Details) - Level 3 - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	$ 72	$ 77	$ 80	$ 107
Unrealized securities gains (losses), net	10	1	79	(24)
Other noninterest income (expense)	0	0	0	0
Purchases	4	3	10	7
Cost of investments sold	(13)	0	(19)	(9)
Transfers out	(1)	0	(78)	0
Fair value of assets, Ending balance	72	81	72	81
Ag loan svcg and int-only strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	15	17	16	18
Unrealized securities gains (losses), net	0	0	0	0
Other noninterest income (expense)	(1)	0	(2)	(1)
Purchases	0	0	0	0
Cost of investments sold	0	0	0	0
Transfers out	0	0	0	0
Fair value of assets, Ending balance	$ 14	$ 17	$ 14	$ 17

Fair Value - (Schedule of Rollf

Fair Value - (Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Level 3
Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Line Items]
Securities gains (losses), net	$ (6)	$ 0	$ (11)	$ 15

Fair Value (Schedule of Asset_3

Fair Value (Schedule of Assets with Fair Value Changes on Nonrecurring Basis) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	$ 21,836	$ 17,163
Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	1	16
Private equity investments | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	1
Collateral-dependent loans | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	1	14
Other real estate owned (OREO) | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	1
Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	385	427
Level 1 | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 1 | Private equity investments | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 1 | Collateral-dependent loans | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 1 | Other real estate owned (OREO) | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	21,365	16,640
Level 2 | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	1	15
Level 2 | Private equity investments | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 2 | Collateral-dependent loans | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	1	14
Level 2 | Other real estate owned (OREO) | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	1
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	86	96
Level 3 | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	1
Level 3 | Private equity investments | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	1
Level 3 | Collateral-dependent loans | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	0	0
Level 3 | Other real estate owned (OREO) | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	$ 0	$ 0

Fair Value (Schedule of Fair Va

Fair Value (Schedule of Fair Values Changes and Other Fair Value Information Related to OREO Assets) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Fair Value, Option, Quantitative Disclosures [Line Items]
Recognized net gains (losses) from the sale of OREO	$ 0	$ 1	$ 0	$ 1

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	$ 461	$ 640
Time deposits	1,688	2,588
Long-term debt	1,020	1,336
Level 2 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	459	636
Time deposits	1,688	2,588
Long-term debt	1,020	1,336
Level 2 | Estimated fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	461	640
Time deposits	1,695	2,603
Long-term debt	1,056	1,346
Level 3 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	50,254	52,780
Level 3 | Estimated fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 50,648	$ 53,221

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Gross amounts recognized
Federal funds sold and security resell agreements	$ 1,858	$ 6,457
Derivatives (included in other assets)	262	418
Total assets	2,120	6,875
Federal funds purchased and other short-term borrowings	579	2,264
Derivatives (included in other liabilities)	45	38
Total liabilities	624	2,302
Gross amounts offset in the balance sheet
Federal funds sold and security resell agreements	0	(692)
Derivatives (included in other assets)	0	0
Total assets	0	(692)
Federal funds purchased and other short-term borrowings	0	(692)
Derivatives (included in other liabilities)	0	0
Total liabilities	0	(692)
Net amounts presented in the balance sheet
Federal funds sold and security resell agreements	1,858	5,765
Derivatives (included in other assets)	262	418
Total assets	2,120	6,183
Federal funds purchased and other short-term borrowings	579	1,572
Derivatives (included in other liabilities)	45	38
Total liabilities	624	1,610
Gross amounts not offset in the balance sheet, Financial Instruments
Federal funds sold and security resell agreements	0	0
Derivatives (included in other assets)	(13)	(4)
Total assets	(13)	(4)
Federal funds purchased and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(13)	(4)
Total liabilities	(13)	(4)
Gross amounts not offset in the balance sheet, Cash collateral received/ pledged
Federal funds sold and security resell agreements	0	0
Derivatives (included in other assets)	0	(3)
Total assets	0	(3)
Federal funds purchased and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(3)	(26)
Total liabilities	(3)	(26)
Net amount
Federal funds sold and security resell agreements	1,858	5,765
Derivatives (included in other assets)	249	411
Total assets	2,107	6,176
Federal funds purchased and other short-term borrowings	579	1,572
Derivatives (included in other liabilities)	29	8
Total liabilities	$ 608	$ 1,580

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Sep. 30, 2021USD ($)security	Dec. 31, 2020USD ($)security
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 175	$ 200
Number of HTM investment securities in an unrealized loss position | security	122	119
Number of AFS investment securities in an unrealized loss position | security	1,241	549
Allowance for credit loss on HTM securities (less than)	$ 1
Carrying value of pledged securities	2,400	$ 2,300
Securities Investment
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 57	$ 54

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Amortized cost
Available-for-sale	$ 20,473	$ 15,417
Total HTM and AFS investment securities	20,932	16,053
Gross unrealized gains
Available-for-sale	225	370
Total HTM and AFS investment securities	229	375
Gross unrealized losses
Available-for-sale	237	56
Total HTM and AFS investment securities	239	57
Estimated fair value
Held-to-maturity, Estimated fair value	461	640
Available-for-sale	20,461	15,731
Total HTM and AFS investment securities	20,922	16,371
Municipal securities
Amortized cost
Held-to-maturity	459	636
Available-for-sale	1,513	1,352
Gross unrealized gains
Held-to-maturity	4	5
Available-for-sale	48	68
Gross unrealized losses
Held-to-maturity	2	1
Available-for-sale	5	0
Estimated fair value
Held-to-maturity, Estimated fair value	461	640
Available-for-sale	1,556	1,420
U.S. Treasury securities
Amortized cost
Available-for-sale	155	205
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	27	13
Estimated fair value
Available-for-sale	128	192
Agency securities
Amortized cost
Available-for-sale	874	1,051
Gross unrealized gains
Available-for-sale	21	40
Gross unrealized losses
Available-for-sale	0	0
Estimated fair value
Available-for-sale	895	1,091
Agency guaranteed mortgage-backed securities
Amortized cost
Available-for-sale	16,841	11,439
Gross unrealized gains
Available-for-sale	153	262
Gross unrealized losses
Available-for-sale	175	8
Estimated fair value
Available-for-sale	16,819	11,693
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	1,015	1,195
Gross unrealized gains
Available-for-sale	3	0
Gross unrealized losses
Available-for-sale	30	35
Estimated fair value
Available-for-sale	988	1,160
Other debt securities
Amortized cost
Available-for-sale	75	175
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	0	0
Estimated fair value
Available-for-sale	$ 75	$ 175

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Amortized cost
Total debt investment securities	$ 20,473	$ 15,417
Due in one year or less	102
Due after one year through five years	1,455
Due after five years through ten years	1,762
Due after ten years	$ 17,154
Average yield
Total debt investment securities	1.66%
Due in one year or less	1.99%
Due after one year through five years	1.88%
Due after five years through ten years	1.88%
Due after ten years	1.62%
Amortized cost
Total HTM and AFS investment securities	$ 20,932	$ 16,053
Due in one year or less	142
Due after one year through five years	1,594
Due after five years through ten years	1,932
Due after ten years	$ 17,264
Average yield
Total debt investment securities	1.69%
Due in one year or less	2.42%
Due after one year through five years	2.03%
Due after five years through ten years	1.96%
Due after ten years	1.63%
Municipal securities
Amortized cost
Total debt investment securities	$ 459
Due in one year or less	40
Due after one year through five years	139
Due after five years through ten years	170
Due after ten years	$ 110
Average yield
Total debt investment securities	3.23%
Due in one year or less	3.52%
Due after one year through five years	3.54%
Due after five years through ten years	2.84%
Due after ten years	3.33%
Amortized cost
Total debt investment securities	$ 1,513
Due in one year or less	102
Due after one year through five years	658
Due after five years through ten years	494
Due after ten years	$ 259
Average yield
Total debt investment securities	2.34%
Due in one year or less	1.99%
Due after one year through five years	2.51%
Due after five years through ten years	2.17%
Due after ten years	2.38%
U.S. Treasury securities
Amortized cost
Total debt investment securities	$ 155
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	$ 155
Average yield
Total debt investment securities	1.28%
Due in one year or less	0.00%
Due after one year through five years	0.00%
Due after five years through ten years	0.00%
Due after ten years	1.28%
Agency securities
Amortized cost
Total debt investment securities	$ 874
Due in one year or less	0
Due after one year through five years	351
Due after five years through ten years	274
Due after ten years	$ 249
Average yield
Total debt investment securities	2.07%
Due in one year or less	0.00%
Due after one year through five years	1.36%
Due after five years through ten years	2.43%
Due after ten years	2.66%
Agency guaranteed mortgage-backed securities
Amortized cost
Total debt investment securities	$ 16,841
Due in one year or less	0
Due after one year through five years	396
Due after five years through ten years	807
Due after ten years	$ 15,638
Average yield
Total debt investment securities	1.60%
Due in one year or less	0.00%
Due after one year through five years	1.37%
Due after five years through ten years	1.56%
Due after ten years	1.60%
Small Business Administration loan-backed securities
Amortized cost
Total debt investment securities	$ 1,015
Due in one year or less	0
Due after one year through five years	50
Due after five years through ten years	127
Due after ten years	$ 838
Average yield
Total debt investment securities	1.36%
Due in one year or less	0.00%
Due after one year through five years	1.38%
Due after five years through ten years	1.56%
Due after ten years	1.33%
Other debt securities
Amortized cost
Total debt investment securities	$ 75
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	60
Due after ten years	$ 15
Average yield
Total debt investment securities	2.16%
Due in one year or less	0.00%
Due after one year through five years	0.00%
Due after five years through ten years	1.99%
Due after ten years	2.85%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Gross unrealized losses
Total investment securities, less than 12 months	$ 162	$ 21
Total investment securities, 12 months or more	77	36
Total investment securities, total	239	57
Estimated fair value
Total investment securities, less than 12 months	11,042	1,625
Total investment securities, 12 months or more	1,487	1,261
Total investment securities, total	12,529	2,886
Municipal securities
Gross unrealized losses
Held-to-maturity, less than 12 Months	2	1
Available-for-sale, less than 12 Months	5	0
Held-to-maturity, 12 months or more	0	0
Available-for-sale, 12 Months or more	0	0
Held-to-maturity, total	2	1
Available-for-sale, total	5	0
Estimated fair value
Held-to-maturity, less than 12 Months	121	96
Available-for-sale, less than 12 Months	377	19
Held-to-maturity, 12 months or more	13	12
Available-for-sale, 12 months or more	2	0
Held-to-maturity, total	134	108
Available-for-sale, total	379	19
U.S. Treasury, agencies and corporations
Gross unrealized losses
Available-for-sale, less than 12 Months	0	13
Available-for-sale, 12 Months or more	27	0
Available-for-sale, total	27	13
Estimated fair value
Available-for-sale, less than 12 Months	0	142
Available-for-sale, 12 months or more	128	0
Available-for-sale, total	128	142
Agency securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	0	0
Available-for-sale, total	0	0
Estimated fair value
Available-for-sale, less than 12 Months	110	6
Available-for-sale, 12 months or more	1	2
Available-for-sale, total	111	8
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	155	7
Available-for-sale, 12 Months or more	20	1
Available-for-sale, total	175	8
Estimated fair value
Available-for-sale, less than 12 Months	10,434	1,197
Available-for-sale, 12 months or more	534	179
Available-for-sale, total	10,968	1,376
Small Business Administration loan-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	30	35
Available-for-sale, total	30	35
Estimated fair value
Available-for-sale, less than 12 Months	0	15
Available-for-sale, 12 months or more	809	1,068
Available-for-sale, total	809	1,083
Other
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	0	0
Available-for-sale, total	0	0
Estimated fair value
Available-for-sale, less than 12 Months	0	150
Available-for-sale, 12 months or more	0	0
Available-for-sale, total	0	150
Available-for-sale
Gross unrealized losses
Available-for-sale, less than 12 Months	160	20
Available-for-sale, 12 Months or more	77	36
Available-for-sale, total	237	56
Estimated fair value
Available-for-sale, less than 12 Months	10,921	1,529
Available-for-sale, 12 months or more	1,474	1,249
Available-for-sale, total	$ 12,395	$ 2,778

Investments (HTM Year of Issuan

Investments (HTM Year of Issuance and Risk Grade) (Details) $ in Millions	Sep. 30, 2021USD ($)
Schedule of Held-to-maturity Securities [Line Items]
2021	$ 96
2020	124
2019	10
2018	0
2017	8
Prior	221
Total Securities	459
Pass
Schedule of Held-to-maturity Securities [Line Items]
2021	96
2020	124
2019	10
2018	0
2017	8
Prior	220
Total Securities	458
Accruing substandard
Schedule of Held-to-maturity Securities [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	1
Total Securities	$ 1

Investments (Gains and Losses,

Investments (Gains and Losses, Including OTTI, Recognized In Statement of Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Investments [Abstract]
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	$ 6	$ 5	$ 86	$ 13
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	29	1	35	18
Net gains (losses)	$ (23)	$ 4	$ 51	$ (5)

Investments (Rollforward of Tot

Investments (Rollforward of Total Amount of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Net Investment Income [Line Items]
Interest income	$ 78	$ 74	$ 223	$ 235
Taxable
Net Investment Income [Line Items]
Interest income	67	63	190	203
Nontaxable
Net Investment Income [Line Items]
Interest income	11	11	33	32
Held-to-maturity
Net Investment Income [Line Items]
Interest income	4	5	12	15
Held-to-maturity | Taxable
Net Investment Income [Line Items]
Interest income	3	2	8	7
Held-to-maturity | Nontaxable
Net Investment Income [Line Items]
Interest income	1	3	4	8
Available-for-sale
Net Investment Income [Line Items]
Interest income	72	67	204	215
Available-for-sale | Taxable
Net Investment Income [Line Items]
Interest income	64	61	182	196
Available-for-sale | Nontaxable
Net Investment Income [Line Items]
Interest income	8	6	22	19
Trading
Net Investment Income [Line Items]
Interest income	2	2	7	5
Trading | Taxable
Net Investment Income [Line Items]
Interest income	0	0	0	0
Trading | Nontaxable
Net Investment Income [Line Items]
Interest income	$ 2	$ 2	$ 7	$ 5

Loans, Leases, and Allowance _3

Loans, Leases, and Allowance for Credit Losses (Summary of Major Portfolio Segment and Specific Loan Class) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 67	$ 81
Total loans and leases	50,678	53,476
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	28,449	30,472
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,230	13,444
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,080	5,572
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	293	320
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	8,446	8,185
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,400	2,951
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,153	12,104
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,843	2,345
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,310	9,759
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,076	10,900
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,834	2,745
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	6,140	6,969
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	584	630
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	395	432
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 123	$ 124

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 117,000,000		$ 117,000,000		$ 149,000,000
Accrued interest receivable	175,000,000		175,000,000		200,000,000
Total loans	50,678,000,000		50,678,000,000		53,476,000,000
Carrying values of loans that have been pledged as collateral	27,500,000,000		27,500,000,000		24,700,000,000
Held-for-sale loans sold	384,000,000	$ 463,000,000	1,200,000,000	$ 1,400,000,000
Payments for origination and purchases of loans held-for-sale	387,000,000	480,000,000	1,200,000,000	1,400,000,000
Principal balance of loans sold, serviced loans	3,100,000,000		3,100,000,000		2,700,000,000
Total income from loans sold	12,000,000	18,000,000	30,000,000	44,000,000
Loans balance (less than as of June 30, 2021)	50,678,000,000		50,678,000,000		53,476,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000		1,000,000
Total allowance for credit losses	529,000,000	917,000,000	529,000,000	917,000,000
Unfunded lending commitments on troubled debt restructuring	15,000,000		15,000,000		3,000,000
Amortized cost of TDR loans modified with interest rates below market			352,000,000		311,000,000
Real estate acquired through foreclosure	0		0		0
Mortgage loans in process of foreclosure	9,000,000		9,000,000		10,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			121,000,000		113,000,000
Financing receivable, modifications, subsequent default, amortized cost	2,000,000	3,000,000	5,000,000	6,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,000,000		1,000,000		4,000,000
Loans balance (less than as of June 30, 2021)	1,000,000		1,000,000		4,000,000
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,153,000,000		12,153,000,000		12,104,000,000
Loans balance (less than as of June 30, 2021)	12,153,000,000		12,153,000,000		12,104,000,000
Total allowance for credit losses	111,000,000	165,000,000	111,000,000	165,000,000
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			21,000,000		20,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,076,000,000		10,076,000,000		10,900,000,000
Loans balance (less than as of June 30, 2021)	10,076,000,000		10,076,000,000		10,900,000,000
Total allowance for credit losses	100,000,000	149,000,000	100,000,000	149,000,000
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			6,000,000		10,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,449,000,000		28,449,000,000		30,472,000,000
Loans balance (less than as of June 30, 2021)	28,449,000,000		28,449,000,000		30,472,000,000
Total allowance for credit losses	318,000,000	$ 603,000,000	318,000,000	$ 603,000,000
Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			94,000,000		83,000,000
Interest Rate Below Market, Including Multiple Modification Types
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			91,000,000		76,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	146,000,000		146,000,000		156,000,000
Loans balance (less than as of June 30, 2021)	146,000,000		146,000,000		156,000,000
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,230,000,000		13,230,000,000		13,444,000,000
Loans balance (less than as of June 30, 2021)	$ 13,230,000,000		13,230,000,000		13,444,000,000
Commercial and industrial | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			$ 69,000,000		$ 65,000,000

Loans, Leases, and Allowance _5

Loans, Leases, and Allowance for Credit Losses (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Allowance for loan losses
Balance at beginning of period	$ 535	$ 860	$ 777	$ 497
Provision for loan losses	(45)	45	(281)	446
Gross loan and lease charge-offs	8	58	37	107
Recoveries	9	6	32	17
Net loan and lease charge-offs (recoveries)	(1)	52	5	90
Balance at end of period	491	853	491	853
Reserve for unfunded lending commitments
Balance at beginning of period	39	54	58	29
Provision for unfunded lending commitments	(1)	10	(20)	35
Balance at end of period	38	64	38	64
Total allowance for credit losses	529	917	529	917
Commercial
Allowance for loan losses
Balance at beginning of period	321	571	464	282
Provision for loan losses	(25)	41	(162)	364
Gross loan and lease charge-offs	4	54	27	95
Recoveries	7	4	24	11
Net loan and lease charge-offs (recoveries)	(3)	50	3	84
Balance at end of period	299	562	299	562
Reserve for unfunded lending commitments
Balance at beginning of period	21	27	30	11
Provision for unfunded lending commitments	(2)	14	(11)	30
Balance at end of period	19	41	19	41
Total allowance for credit losses	318	603	318	603
Commercial real estate
Allowance for loan losses
Balance at beginning of period	111	144	171	69
Provision for loan losses	(10)	6	(70)	81
Gross loan and lease charge-offs	0	1	0	1
Recoveries	0	0	0	0
Net loan and lease charge-offs (recoveries)	0	1	0	1
Balance at end of period	101	149	101	149
Reserve for unfunded lending commitments
Balance at beginning of period	10	20	20	12
Provision for unfunded lending commitments	0	(4)	(10)	4
Balance at end of period	10	16	10	16
Total allowance for credit losses	111	165	111	165
Consumer
Allowance for loan losses
Balance at beginning of period	103	145	142	146
Provision for loan losses	(10)	(2)	(49)	1
Gross loan and lease charge-offs	4	3	10	11
Recoveries	2	2	8	6
Net loan and lease charge-offs (recoveries)	2	1	2	5
Balance at end of period	91	142	91	142
Reserve for unfunded lending commitments
Balance at beginning of period	8	7	8	6
Provision for unfunded lending commitments	1	0	1	1
Balance at end of period	9	7	9	7
Total allowance for credit losses	$ 100	$ 149	$ 100	$ 149

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 96,000,000		$ 96,000,000		$ 139,000,000
Amortized cost basis with allowance	227,000,000		227,000,000		228,000,000
Total amortized cost basis	323,000,000		323,000,000		367,000,000
Related allowance	43,000,000		43,000,000		42,000,000
Interest income	0	$ 0	0	$ 0
Accrued interest receivable written off	4,000,000	6,000,000	12,000,000	15,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	68,000,000		68,000,000		111,000,000
Amortized cost basis with allowance	156,000,000		156,000,000		105,000,000
Total amortized cost basis	224,000,000		224,000,000		216,000,000
Related allowance	33,000,000		33,000,000		26,000,000
Accrued interest receivable written off	3,000,000	5,000,000	11,000,000	13,000,000
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	27,000,000		27,000,000		73,000,000
Amortized cost basis with allowance	130,000,000		130,000,000		67,000,000
Total amortized cost basis	157,000,000		157,000,000		140,000,000
Related allowance	30,000,000		30,000,000		22,000,000
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	41,000,000		41,000,000		38,000,000
Amortized cost basis with allowance	26,000,000		26,000,000		38,000,000
Total amortized cost basis	67,000,000		67,000,000		76,000,000
Related allowance	3,000,000		3,000,000		4,000,000
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	11,000,000		11,000,000		12,000,000
Amortized cost basis with allowance	14,000,000		14,000,000		19,000,000
Total amortized cost basis	25,000,000		25,000,000		31,000,000
Related allowance	1,000,000		1,000,000		3,000,000
Accrued interest receivable written off	1,000,000	1,000,000	1,000,000	2,000,000
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	11,000,000		11,000,000		12,000,000
Amortized cost basis with allowance	14,000,000		14,000,000		19,000,000
Total amortized cost basis	25,000,000		25,000,000		31,000,000
Related allowance	1,000,000		1,000,000		3,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	17,000,000		17,000,000		16,000,000
Amortized cost basis with allowance	57,000,000		57,000,000		104,000,000
Total amortized cost basis	74,000,000		74,000,000		120,000,000
Related allowance	9,000,000		9,000,000		13,000,000
Accrued interest receivable written off	0	$ 0	0	$ 0
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5,000,000		5,000,000		2,000,000
Amortized cost basis with allowance	10,000,000		10,000,000		14,000,000
Total amortized cost basis	15,000,000		15,000,000		16,000,000
Related allowance	3,000,000		3,000,000		3,000,000
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	12,000,000		12,000,000		14,000,000
Amortized cost basis with allowance	46,000,000		46,000,000		89,000,000
Total amortized cost basis	58,000,000		58,000,000		103,000,000
Related allowance	6,000,000		6,000,000		9,000,000
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0		0		0
Amortized cost basis with allowance	1,000,000		1,000,000		1,000,000
Total amortized cost basis	1,000,000		1,000,000		1,000,000
Related allowance	$ 0		$ 0		$ 1,000,000

Loans, Leases, and Allowance _7

Loans, Leases, and Allowance for Credit Losses (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 50,678	$ 53,476
Accruing loans 90+ days past due	4	12
Nonaccrual loans that are current	323	367
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,449	30,472
Accruing loans 90+ days past due	4	2
Nonaccrual loans that are current	224	216
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,153	12,104
Accruing loans 90+ days past due	0	8
Nonaccrual loans that are current	25	31
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,076	10,900
Accruing loans 90+ days past due	0	2
Nonaccrual loans that are current	74	120
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,230	13,444
Accruing loans 90+ days past due	2	2
Nonaccrual loans that are current	157	140
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,080	5,572
Accruing loans 90+ days past due	0	0
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	293	320
Accruing loans 90+ days past due	0	0
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,446	8,185
Accruing loans 90+ days past due	2	0
Nonaccrual loans that are current	67	76
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,400	2,951
Accruing loans 90+ days past due	0	0
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,843	2,345
Accruing loans 90+ days past due	0	4
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,310	9,759
Accruing loans 90+ days past due	0	4
Nonaccrual loans that are current	25	31
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,834	2,745
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	15	16
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6,140	6,969
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	58	103
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	584	630
Accruing loans 90+ days past due	0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	395	432
Accruing loans 90+ days past due	0	2
Nonaccrual loans that are current	1	1
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	123	124
Accruing loans 90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	50,464	53,198
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,324	30,360
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,112	12,033
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,028	10,805
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,191	13,388
Current | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,078	5,572
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	293	320
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,362	8,129
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,400	2,951
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,824	2,341
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,288	9,692
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,828	2,733
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6,103	6,891
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	584	630
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	391	428
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	122	123
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	214	278
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	125	112
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	41	71
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	48	95
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	39	56
Total past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	0
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	84	56
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	19	4
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	22	67
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6	12
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	37	78
Total past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	4
Total past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	124	140
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	84	60
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	26	57
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14	23
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16	26
30-89 days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	0
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	66	34
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	19	0
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	57
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	8
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8	12
30-89 days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	2
30-89 days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	90	138
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	41	52
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	15	14
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	34	72
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	23	30
90+ days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	18	22
90+ days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	4
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	15	10
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	4
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	29	66
90+ days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	2
90+ days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Nonaccrual loans that are current
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	227	214
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	182	158
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	7	13
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	38	43
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	133	109
Nonaccrual loans that are current | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	1
Nonaccrual loans that are current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	49	48
Nonaccrual loans that are current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	7	13
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	10	9
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	27	33
Nonaccrual loans that are current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	1	1
Nonaccrual loans that are current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	$ 0	$ 0

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	$ 9,691	$ 15,931
2020	9,342	9,700
2019	6,675	7,093
2018	4,313	4,439
2017	3,080	3,104
Prior	6,375	5,596
Revolving loans amortized cost basis	10,553	7,321
Revolving loans converted to term loans amortized cost basis	649	292
Total loans	50,678	53,476
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	6,334	11,233
2020	5,203	5,348
2019	3,347	3,934
2018	2,337	2,437
2017	1,634	1,087
Prior	2,731	2,526
Revolving loans amortized cost basis	6,584	3,766
Revolving loans converted to term loans amortized cost basis	279	141
Total loans	28,449	30,472
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	2,170	3,260
2020	2,760	2,992
2019	2,408	2,190
2018	1,377	876
2017	661	821
Prior	1,667	1,436
Revolving loans amortized cost basis	850	501
Revolving loans converted to term loans amortized cost basis	260	28
Total loans	12,153	12,104
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,187	1,438
2020	1,379	1,360
2019	920	969
2018	599	1,126
2017	785	1,196
Prior	1,977	1,634
Revolving loans amortized cost basis	3,119	3,054
Revolving loans converted to term loans amortized cost basis	110	123
Total loans	10,076	10,900
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,833	2,844
2020	1,481	3,054
2019	1,527	2,225
2018	955	979
2017	419	328
Prior	384	303
Revolving loans amortized cost basis	6,427	3,585
Revolving loans converted to term loans amortized cost basis	204	126
Total loans	13,230	13,444
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,950	5,572
2020	1,130	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,080	5,572
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	16	90
2020	53	122
2019	79	47
2018	70	36
2017	47	14
Prior	28	11
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	293	320
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,667	1,696
2020	1,551	1,345
2019	1,135	1,303
2018	1,022	1,003
2017	803	677
Prior	2,039	1,968
Revolving loans amortized cost basis	154	178
Revolving loans converted to term loans amortized cost basis	75	15
Total loans	8,446	8,185
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	868	1,031
2020	988	827
2019	606	359
2018	290	419
2017	365	68
Prior	280	244
Revolving loans amortized cost basis	3	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,400	2,951
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	461	582
2020	765	1,006
2019	751	278
2018	124	41
2017	43	1
Prior	2	6
Revolving loans amortized cost basis	637	428
Revolving loans converted to term loans amortized cost basis	60	3
Total loans	2,843	2,345
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,709	2,678
2020	1,995	1,986
2019	1,657	1,912
2018	1,253	835
2017	618	820
Prior	1,665	1,430
Revolving loans amortized cost basis	213	73
Revolving loans converted to term loans amortized cost basis	200	25
Total loans	9,310	9,759
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	2,727	2,625
Revolving loans converted to term loans amortized cost basis	107	120
Total loans	2,834	2,745
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	969	1,187
2020	1,079	1,029
2019	796	841
2018	556	1,100
2017	774	1,191
Prior	1,966	1,621
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	6,140	6,969
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	162	200
2020	274	296
2019	104	106
2018	31	16
2017	5	1
Prior	8	11
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	584	630
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	392	429
Revolving loans converted to term loans amortized cost basis	3	3
Total loans	395	432
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	56	51
2020	26	35
2019	20	22
2018	12	10
2017	6	4
Prior	3	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	123	124
Pass | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,804	2,585
2020	1,419	2,743
2019	1,377	1,903
2018	855	829
2017	354	296
Prior	277	228
Revolving loans amortized cost basis	6,018	3,298
Revolving loans converted to term loans amortized cost basis	182	109
Total loans	12,286	11,991
Pass | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,950	5,572
2020	1,130	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,080	5,572
Pass | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	16	87
2020	52	121
2019	73	44
2018	69	34
2017	46	14
Prior	22	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	278	305
Pass | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,591	1,588
2020	1,504	1,205
2019	1,052	1,167
2018	914	895
2017	743	585
Prior	1,858	1,806
Revolving loans amortized cost basis	135	161
Revolving loans converted to term loans amortized cost basis	68	11
Total loans	7,865	7,418
Pass | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	858	1,031
2020	979	827
2019	606	359
2018	290	419
2017	365	68
Prior	249	227
Revolving loans amortized cost basis	3	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,350	2,934
Pass | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	449	558
2020	765	933
2019	723	267
2018	124	41
2017	43	1
Prior	2	6
Revolving loans amortized cost basis	637	423
Revolving loans converted to term loans amortized cost basis	60	3
Total loans	2,803	2,232
Pass | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,636	2,524
2020	1,964	1,858
2019	1,595	1,639
2018	1,121	761
2017	590	778
Prior	1,561	1,291
Revolving loans amortized cost basis	194	73
Revolving loans converted to term loans amortized cost basis	195	20
Total loans	8,856	8,944
Pass | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	2,715	2,606
Revolving loans converted to term loans amortized cost basis	100	115
Total loans	2,815	2,721
Pass | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	969	1,185
2020	1,076	1,017
2019	791	833
2018	553	1,081
2017	762	1,174
Prior	1,929	1,570
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	6,080	6,860
Pass | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	162	200
2020	273	296
2019	104	106
2018	31	16
2017	5	1
Prior	8	11
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	583	630
Pass | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	390	426
Revolving loans converted to term loans amortized cost basis	3	2
Total loans	393	428
Pass | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	56	51
2020	26	35
2019	20	22
2018	12	10
2017	6	4
Prior	3	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	123	124
Special Mention | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	6	79
2020	15	152
2019	37	183
2018	15	98
2017	30	4
Prior	4	43
Revolving loans amortized cost basis	172	110
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	280	670
Special Mention | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	1
2020	1	0
2019	6	2
2018	1	1
2017	1	0
Prior	0	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	9	10
Special Mention | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	9	72
2020	18	65
2019	28	60
2018	45	60
2017	21	51
Prior	59	41
Revolving loans amortized cost basis	3	9
Revolving loans converted to term loans amortized cost basis	6	3
Total loans	189	361
Special Mention | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	10	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	26	8
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	36	8
Special Mention | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	24
2020	0	43
2019	1	11
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	5
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	83
Special Mention | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	65	110
2020	21	89
2019	32	177
2018	73	42
2017	12	23
Prior	31	85
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	3	5
Total loans	237	531
Special Mention | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	1	2
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	2
Special Mention | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	2
Special Mention | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	20	123
2020	36	157
2019	109	129
2018	82	44
2017	31	26
Prior	77	17
Revolving loans amortized cost basis	150	141
Revolving loans converted to term loans amortized cost basis	2	6
Total loans	507	643
Accruing Substandard | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	2
2020	0	1
2019	0	1
2018	0	1
2017	0	0
Prior	6	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	6	5
Accruing Substandard | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	67	28
2020	23	64
2019	42	61
2018	48	37
2017	29	35
Prior	101	98
Revolving loans amortized cost basis	14	6
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	325	330
Accruing Substandard | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	9	0
2019	0	0
2018	0	0
2017	0	0
Prior	5	9
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	14	9
Accruing Substandard | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	12	0
2020	0	30
2019	27	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	39	30
Accruing Substandard | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	8	41
2020	9	34
2019	25	96
2018	59	30
2017	16	18
Prior	73	34
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	2	0
Total loans	192	253
Accruing Substandard | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3	6
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3	6
Accruing Substandard | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	1
2018	0	0
2017	0	2
Prior	2	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	4
Accruing Substandard | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	1	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	1	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	3
Accruing Substandard | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	3	57
2020	11	2
2019	4	10
2018	3	8
2017	4	2
Prior	26	15
Revolving loans amortized cost basis	87	36
Revolving loans converted to term loans amortized cost basis	19	10
Total loans	157	140
Nonaccrual | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total loans	0
Nonaccrual | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	8
2020	6	11
2019	13	15
2018	15	11
2017	10	6
Prior	21	23
Revolving loans amortized cost basis	2	2
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	67	76
Nonaccrual | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	3
2020	1	5
2019	5	0
2018	0	2
2017	0	1
Prior	0	20
Revolving loans amortized cost basis	19	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	25	31
Nonaccrual | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	8	11
Revolving loans converted to term loans amortized cost basis	7	5
Total loans	15	16
Nonaccrual | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	2
2020	3	12
2019	5	7
2018	3	19
2017	12	15
Prior	35	48
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	58	103
Nonaccrual | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	1	0
Revolving loans converted to term loans amortized cost basis	0	1
Total loans	1	1
Nonaccrual | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	$ 0	$ 0

Loans, Leases, and Allowance _9

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	$ 352	$ 311
Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	37	18
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	34	4
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	11	12
Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	52	39
Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	68	116
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	150	122
Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	231	198
Accruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	13	10
Accruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	32	3
Accruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	10
Accruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	35	20
Accruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	57	103
Accruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	85	52
Accruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	95	29
Accruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	5
Accruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	1
Accruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	4
Accruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	15	7
Accruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	61	12
Accruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	17	7
Accruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	0
Accruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	3
Accruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	15	4
Accruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	78	22
Accruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	5
Accruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	1
Accruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	4
Accruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	15	4
Accruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	46	8
Accruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	103	134
Accruing | Commercial real estate | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Accruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	26	0
Accruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	27	16
Accruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	41	94
Accruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	23
Accruing | Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0
Accruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	103	134
Accruing | Commercial real estate | Term | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Accruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	26	0
Accruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	27	16
Accruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	41	94
Accruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	23
Accruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	33	35
Accruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	4
Accruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Accruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	10
Accruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	2
Accruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	16	17
Accruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	10
Accruing | Consumer | Home equity credit line | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Accruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	6	7
Accruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Accruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	24	25
Accruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	4
Accruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Accruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	3
Accruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	2
Accruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	14	15
Nonaccruing
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	121	113
Nonaccruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	24	8
Nonaccruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	1
Nonaccruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	17	19
Nonaccruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	11	13
Nonaccruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	65	70
Nonaccruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	94	83
Nonaccruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	22	5
Nonaccruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	0
Nonaccruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	6
Nonaccruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	10
Nonaccruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	59	62
Nonaccruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	69	65
Nonaccruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	17	0
Nonaccruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	0
Nonaccruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	3
Nonaccruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	10
Nonaccruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	42	52
Nonaccruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	25	18
Nonaccruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	5
Nonaccruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	3
Nonaccruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	17	10
Nonaccruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	21	20
Nonaccruing | Commercial real estate | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	12	13
Nonaccruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	3
Nonaccruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	2
Nonaccruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	21	20
Nonaccruing | Commercial real estate | Term | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	12	13
Nonaccruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	3
Nonaccruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	2
Nonaccruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	6	10
Nonaccruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	1
Nonaccruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Nonaccruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	6
Nonaccruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	2
Nonaccruing | Consumer | Home equity credit line | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	2
Nonaccruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	8
Nonaccruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	1
Nonaccruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Nonaccruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	0
Nonaccruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	$ 3	$ 6

Loans, Leases, and Allowance_10

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 37	$ 47
Commercial and industrial | Commercial | Single family residential, Agriculture
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 13	$ 20
Weighted average LTV	36.00%	55.00%
Owner-occupied | Commercial | Office building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 10	$ 10
Weighted average LTV	43.00%	47.00%
Term | Commercial real estate | Multi-family, Hotel/Motel, Retail
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 7	$ 12
Weighted average LTV	41.00%	58.00%
Home equity credit line | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 5	$ 3
Weighted average LTV	37.00%	34.00%
1-4 family residential | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 2	$ 2
Weighted average LTV	51.00%	60.00%

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)derivative_instrument	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)derivative_instrument	Sep. 30, 2020USD ($)	Dec. 31, 2020USD ($)
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 20,796,000,000		$ 20,796,000,000		$ 17,877,000,000
Amortization of cumulative debt basis adjustments	3,000,000
Redesignated swaps, unamortized basis adjustments	7,000,000		7,000,000
Decrease in cash flow hedge portfolio	21,000,000
Other liabilities	45,000,000		45,000,000		38,000,000
Cash collateral pledged for derivative liabilities	51,000,000		51,000,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	1,000,000		1,000,000
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	270,000,000		270,000,000		418,000,000
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	6,266,000,000		6,266,000,000		4,033,000,000
Decrease in cash flow hedge portfolio	(4,000,000)	$ 1,000,000	5,000,000	$ (101,000,000)
Derivatives designated as hedges | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	$ 0		$ 0		0
Fair Value Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of interest rate derivatives remaining | derivative_instrument	1		1
Derivative, notional amount	$ 500,000,000		$ 500,000,000		500,000,000
Increase (decrease) in fair value hedges	4,000,000
Unamortized debt basis adjustments	2,000,000		2,000,000
Fair Value Hedging | Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	383,000,000		383,000,000		383,000,000
Increase (decrease) in fair value hedges	(4,000,000)
Decrease in cash flow hedge portfolio	0	0	0	0
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	0		0		0
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	0		0		0
Cash Flow Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	5,383,000,000		5,383,000,000		3,150,000,000
Decrease in cash flow hedge portfolio	(4,000,000)	$ 1,000,000	5,000,000	$ (101,000,000)
Cash Flow Hedging | Derivatives designated as hedges | Additional interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,400,000,000		1,400,000,000
Cash Flow Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	$ 0		$ 0		$ 0

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Derivative [Line Items]
Notional amount	$ 20,796,000,000	$ 17,877,000,000
Other assets	262,000,000	418,000,000
Other liabilities	45,000,000	38,000,000
Net credit valuation adjustment reducing fair value	3,000,000	18,000,000
Other assets
Derivative [Line Items]
Other assets	287,000,000	420,000,000
Other liabilities
Derivative [Line Items]
Other liabilities	270,000,000	418,000,000
Derivatives designated as hedges
Derivative [Line Items]
Notional amount	6,266,000,000	4,033,000,000
Derivatives designated as hedges | Other assets
Derivative [Line Items]
Other assets	10,000,000	3,000,000
Derivatives designated as hedges | Other liabilities
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedges | Interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	5,383,000,000	3,150,000,000
Derivatives designated as hedges | Interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	500,000,000	500,000,000
Derivatives designated as hedges | Interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedges | Interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedges | Interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedges | Interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	383,000,000	383,000,000
Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	10,000,000	3,000,000
Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	14,530,000,000	13,844,000,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Other assets	277,000,000	417,000,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Other liabilities	270,000,000	418,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives
Derivative [Line Items]
Notional amount	6,334,000,000	5,986,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	235,000,000	390,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	25,000,000	2,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives
Derivative [Line Items]
Notional amount	6,334,000,000	5,986,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	28,000,000	3,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	3,000,000	1,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	241,000,000	409,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	16,000,000	29,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	1,476,000,000	1,649,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	10,000,000	20,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	0	3,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	386,000,000	223,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Other assets	4,000,000	4,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	$ 4,000,000	$ 4,000,000

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative Gain (Loss) Recognized/Reclassified) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	$ (21)
Amount of gain/(loss) reclassified from OCI into income	12	$ 11	$ 35	$ 24
Gains to be reclassified within the next 12 months into interest income			42
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	4	(1)	(5)	101
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	16	16	46	32
Interest on fair value hedges	4	4	13	14
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	7		7
Derivatives designated as hedges | Cash Flow Hedging | Purchased interest rate floors
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	0	0	0	0
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	3	3	8	8
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	4	(1)	(5)	101
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	13	13	38	24
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	2		2
Derivatives designated as hedges | Fair Value Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	0	0	0	0
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	0	0	0	0
Interest on fair value hedges	2	1	6	4
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	0	0	0	0
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	0	0	0	0
Interest on fair value hedges	3	3	9	10
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Fair Value Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	0	0	0	0
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	0	0	0	0
Interest on fair value hedges	(1)	0	(2)	0
Hedge ineffectiveness/OCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivatives gain/(loss) deferred in OCI	0	0	0	0
Excluded components deferred in OCI (amortization approach)	0	0	0	0
Amount of gain/(loss) reclassified from OCI into income	0	0	0	0
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/OCI reclass due to missed forecast	$ 0	$ 0	$ 0	$ 0

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Derivatives Not Designated as Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 16	$ 20	$ 39	$ 37
Customer-facing interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	(5)	4	(100)	350
Offsetting interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	12	9	129	(343)
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	3	3	(7)	14
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 6	$ 4	$ 17	$ 16

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (Loss) Recorded in Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 2	$ 8	$ 15	$ (15)
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(4)	(3)	(27)	72
Hedged items	4	3	27	(72)
Total income statement impact	0	0	0	0
Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	4	11	27	11
Hedged items	(4)	(11)	(27)	(11)
Total income statement impact	$ 0	$ 0	$ 0	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Basis Adjustments for Hedged Items) (Details) - Fair Value Hedging - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	$ (500,000,000)	$ (500,000,000)
Carrying amount of hedged liabilities	(510,000,000)	(537,000,000)
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	(10,000,000)	(37,000,000)
Par value of hedged assets	383,000,000	383,000,000
Carrying amount of hedged assets	335,000,000	362,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (48,000,000)	$ (21,000,000)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)branch	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)branch	Sep. 30, 2020USD ($)	Dec. 31, 2020USD ($)
Leases [Abstract]
Number of branches | branch	419		419
Number of branches owned | branch	273		273
Number of branches leased | branch	146		146
Operating right-of-use assets, net of amortization	$ 196		$ 196		$ 213
Finance lease assets	4		4		4
Operating lease income	3	$ 3	10	$ 9
Sales-type or direct financing leases	293		293		$ 320
Sales-type or direct financing leases income	$ 3	$ 3	$ 9	$ 10

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Leases [Abstract]
Operating right-of-use assets, net of amortization	$ 196	$ 213
Operating lease liabilities	$ 223	$ 240
Weighted average remaining lease term, operating leases	8 years 7 months 6 days	8 years 10 months 24 days
Weighted average remaining lease term, finance leases	18 years 6 months	19 years 2 months 12 days
Weighted average discount rate, operating leases	2.80%	2.90%
Weighted average discount rate, finance leases	3.10%	3.10%

Leases (Components of Lease Exp

Leases (Components of Lease Expense) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Leases [Abstract]
Operating lease costs	$ 12	$ 12	$ 35	$ 37
Variable lease costs	12	12	37	36
Total lease cost	$ 24	$ 24	$ 72	$ 73

Leases (Supplemental Cash Flow

Leases (Supplemental Cash Flow Information) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Leases [Abstract]
Operating cash disbursements from operating leases	$ 13	$ 13	$ 38	$ 38
New operating lease liabilities	$ 1	$ 0	$ 1	$ 6

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Sep. 30, 2021USD ($)
Leases [Abstract]
2021	$ 12
2022	48
2023	42
2024	33
2025	24
Thereafter	99
Total	$ 258

Long-Term Debt and Shareholde_3

Long-Term Debt and Shareholders' Equity (Long-term Debt) (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Debt And Equity [Abstract]
Subordinated notes	$ 593	$ 619
Senior notes	423	713
Finance lease obligations	4	4
Total	1,020	$ 1,336
Debt Instrument [Line Items]
Amount change	$ (316)
Percent change	(24.00%)
Subordinated notes
Debt Instrument [Line Items]
Amount change	$ (26)
Percent change	(4.00%)
Senior notes
Debt Instrument [Line Items]
Amount change	$ (290)
Percent change	(41.00%)
Finance lease obligations
Debt Instrument [Line Items]
Amount change	$ 0
Percent change	0.00%

Long-Term Debt and Shareholde_4

Long-Term Debt and Shareholders' Equity (Debt Narrative) (Details) - Senior notes - 3.50% Senior Notes $ in Millions	3 Months Ended
	Sep. 30, 2021USD ($)
Debt Instrument [Line Items]
Maturity of senior debt	$ 281
Debt term (in years)	3 years
Debt interest rate	3.50%

Long-Term Debt and Shareholde_5

Long-Term Debt and Shareholders' Equity (Shareholders' Equity Narrative) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended	9 Months Ended
	Jun. 30, 2021	Sep. 30, 2021	Dec. 31, 2020
Class of Stock [Line Items]
Shares outstanding (in shares)		156.5
Common stock, par value (in dollars per share)		$ 0.001	$ 0.001
Common stock and additional paid-in capital		$ 2,200
Common stock and additional paid-in capital change		$ 441
Common stock and additional paid-in capital percentage change		16.00%
Common stock repurchased (in shares)		8.5
Fair value of stock repurchased		$ 475
Average price per share of stock repurchased (in dollars per share)		$ 55.88
Preferred stock redeemed		$ 126
Accumulated other comprehensive income		$ 64	$ 325
Series H Preferred Stock
Class of Stock [Line Items]
Preferred stock dividend rate	5.75%
Preferred stock redeemed	$ 126

Long-Term Debt and Shareholde_6

Long-Term Debt and Shareholders' Equity (Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 8,033	$ 7,575	$ 7,886	$ 7,353
OCI (loss) before reclassifications, net of tax			(226)	313
Amounts reclassified from AOCI, net of tax			(35)	(24)
Other comprehensive income (loss)	(111)	(23)	(261)	289
Balance at end of period	7,774	7,668	7,774	7,668
Income tax (benefit) expense included in other comprehensive income (loss)			(85)	95
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	175	355	325	43
Balance at end of period	64	332	64	332
Net unrealized gains (losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			258	29
OCI (loss) before reclassifications, net of tax			(225)	228
Amounts reclassified from AOCI, net of tax			0	0
Other comprehensive income (loss)			(225)	228
Balance at end of period	33	257	33	257
Income tax (benefit) expense included in other comprehensive income (loss)			(73)	75
Net unrealized gains (losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			69	28
OCI (loss) before reclassifications, net of tax			(1)	72
Amounts reclassified from AOCI, net of tax			(35)	(24)
Other comprehensive income (loss)			(36)	48
Balance at end of period	33	76	33	76
Income tax (benefit) expense included in other comprehensive income (loss)			(12)	16
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(2)	(14)
OCI (loss) before reclassifications, net of tax			0	13
Amounts reclassified from AOCI, net of tax			0	0
Other comprehensive income (loss)			0	13
Balance at end of period	$ (2)	$ (1)	(2)	(1)
Income tax (benefit) expense included in other comprehensive income (loss)			$ 0	$ 4

Long-Term Debt and Shareholde_7

Long-Term Debt and Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	$ 484	$ 505	$ 1,464	$ 1,551
Income tax expense	71	40	261	58
Net income	240	175	916	255
Net unrealized gains (losses) on derivatives and other | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	16	16	46	32
Income tax expense	4	4	11	8
Net income	$ 12	$ 12	$ 35	$ 24

Commitments, Guarantees, and _3

Commitments, Guarantees, and Contingent Liabilities (Schedule of Off Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Sep. 30, 2021	Dec. 31, 2020
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Net unfunded commitments to extend credit	$ 25,216	$ 24,217
Commercial letters of credit	39	34
Total unfunded lending commitments	26,138	24,949
Financial
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	649	531
Performance
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 234	$ 167

Commitments, Guarantees, and _4

Commitments, Guarantees, and Contingent Liabilities (Narrative) (Details) $ in Millions	Sep. 30, 2021USD ($)
Guarantor Obligations [Line Items]
Letters of credit, accrued liability	$ 4
Reserve for unfunded lending commitments	2
Deferred commitment fees	2
Minimum
Guarantor Obligations [Line Items]
Estimate of possible losses	0
Maximum
Guarantor Obligations [Line Items]
Estimate of possible losses	$ 40

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 117	$ 101	$ 330	$ 298
Other noninterest income (non-ASC 606 customer-related)	34	38	93	113
Total customer-related fees	151	139	423	411
Other noninterest income (noncustomer-related)	(12)	18	90	(3)
Total noninterest income	139	157	513	408
Other real estate owned gain from sale	0	1	0	1
Net interest income	555	555	1,655	1,665
Total income less interest expense	$ 694	713	2,168	2,074
Interest Income on loans and securities | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Segment Reporting, Revenue Reconciling Item [Line Items]
Percentage of revenue	79.00%
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 34	32	100	93
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	35	28	98	83
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	20	17	54	50
Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	3	6	9
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	12	9	34	28
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	12	38	35
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	9	26	20
Other noninterest income (non-ASC 606 customer-related)	5	9	(3)	21
Total customer-related fees	13	18	23	41
Other noninterest income (noncustomer-related)	(14)	17	83	(3)
Total noninterest income	(1)	35	106	38
Other real estate owned gain from sale	0	0	0	0
Net interest income	8	5	20	13
Total income less interest expense	7	40	126	51
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(3)	1	1	0
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	1	0	0
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0	(1)	0
Other | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	2	4	6
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	(1)	0	(2)
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	6	22	16
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	40	35	113	100
Other noninterest income (non-ASC 606 customer-related)	4	5	16	17
Total customer-related fees	44	40	129	117
Other noninterest income (noncustomer-related)	(1)	0	(1)	(1)
Total noninterest income	43	40	128	116
Other real estate owned gain from sale	0	0	0	0
Net interest income	161	162	477	491
Total income less interest expense	204	202	605	607
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	12	11	34	31
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	15	12	42	36
Zions Bank | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	5	17	15
Zions Bank | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	(1)
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	5	15	13
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	5	6
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	27	24	75	74
Other noninterest income (non-ASC 606 customer-related)	10	8	27	25
Total customer-related fees	37	32	102	99
Other noninterest income (noncustomer-related)	0	0	2	0
Total noninterest income	37	32	104	99
Other real estate owned gain from sale	0	0	0	0
Net interest income	117	121	350	368
Total income less interest expense	154	153	454	467
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	10	9	28	28
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	6	21	18
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4	11	11
Amegy | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	4
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2	9	8
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	2	4	5
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	17	13	47	42
Other noninterest income (non-ASC 606 customer-related)	6	8	23	23
Total customer-related fees	23	21	70	65
Other noninterest income (noncustomer-related)	2	1	4	1
Total noninterest income	25	22	74	66
Other real estate owned gain from sale	0	1	0	1
Net interest income	135	129	399	381
Total income less interest expense	160	152	473	448
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	5	19	17
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	3	12	10
CB&T | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3	9	8
CB&T | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1	4	3
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	3	4
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	7	23	21
Other noninterest income (non-ASC 606 customer-related)	4	2	10	9
Total customer-related fees	12	9	33	30
Other noninterest income (noncustomer-related)	1	0	2	0
Total noninterest income	13	9	35	30
Other real estate owned gain from sale	0	0	0	0
Net interest income	50	54	155	162
Total income less interest expense	63	63	190	192
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	5	5
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2	8	7
NBAZ | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	7	6
NBAZ | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	2
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	1	1
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	10	8	27	23
Other noninterest income (non-ASC 606 customer-related)	3	2	11	8
Total customer-related fees	13	10	38	31
Other noninterest income (noncustomer-related)	0	0	0	0
Total noninterest income	13	10	38	31
Other real estate owned gain from sale	0	0	0	0
Net interest income	38	37	111	110
Total income less interest expense	51	47	149	141
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2	7	6
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3	9	7
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2	8	7
NSB | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	3	3
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	5	16	15
Other noninterest income (non-ASC 606 customer-related)	2	3	8	9
Total customer-related fees	8	8	24	24
Other noninterest income (noncustomer-related)	0	0	0	0
Total noninterest income	8	8	24	24
Other real estate owned gain from sale	0	0	0	0
Net interest income	34	34	103	101
Total income less interest expense	42	42	127	125
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	5	5
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1	5	4
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	3	3
Vectra | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	1	1
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	2
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0	3	3
Other noninterest income (non-ASC 606 customer-related)	0	1	1	1
Total customer-related fees	1	1	4	4
Other noninterest income (noncustomer-related)	0	0	0	0
Total noninterest income	1	1	4	4
Other real estate owned gain from sale	0	0	0	0
Net interest income	12	13	40	39
Total income less interest expense	13	14	44	43
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0	1	1
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	1	1
TCBW | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
TCBW | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 0	$ 0	$ 1	$ 1

Income Taxes (Details)

Income Taxes (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Effective income tax rate	22.80%	18.60%	22.20%	18.50%
Deferred tax liabilities	$ 26,000,000		$ 26,000,000		$ 3,000,000
Valuation allowance	$ 0		$ 0		$ 0

Net Earnings Per Common Share -

Net Earnings Per Common Share - Basic and Diluted Net Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Basic:
Net income	$ 240	$ 175	$ 916	$ 255
Less common and preferred dividends	68	64	197	193
Less impact from redemption of preferred stock	0	0	3	0
Undistributed earnings	172	111	716	62
Less undistributed earnings applicable to nonvested shares	1	1	6	1
Undistributed earnings applicable to common shares	171	110	710	61
Distributed earnings applicable to common shares	61	56	172	168
Total earnings applicable to common shares	$ 232	$ 166	$ 882	$ 229
Weighted average common shares outstanding (in shares)	160,221	163,608	162,159	163,764
Net earnings per common share (in dollars per share)	$ 1.45	$ 1.01	$ 5.44	$ 1.40
Diluted:
Dilutive effect of common stock warrants (in shares)	0	0	0	2,027
Dilutive effect of stock options (in shares)	259	171	301	238
Weighted average diluted common shares outstanding (in shares)	160,480	163,779	162,460	166,029
Net earnings per common share (in dollars per share)	$ 1.45	$ 1.01	$ 5.43	$ 1.38

Net Earnings Per Common Share_2

Net Earnings Per Common Share - Stock Awards that were Anti-Dilutive (Details) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Restricted stock and restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,358	1,316	1,382	1,347
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	294	923	227	878

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)branch	Sep. 30, 2020USD ($)	Sep. 30, 2021USD ($)branchsegment	Sep. 30, 2020USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment			7
Number of branches | branch	419		419
Net interest income	$ 555	$ 555	$ 1,655	$ 1,665
Provision for credit losses	(46)	55	(301)	481
Net interest income after provision for credit losses	601	500	1,956	1,184
Total noninterest income	139	157	513	408
Total noninterest expense	429	442	1,292	1,279
Income before income taxes	311	215	1,177	313
Total average loans	50,851	54,993	52,418	52,694
Total average deposits	77,411	66,503	74,521	62,153
Other
Segment Reporting Information [Line Items]
Net interest income	8	5	20	13
Provision for credit losses	(1)	0	(1)	3
Net interest income after provision for credit losses	9	5	21	10
Total noninterest income	(1)	35	106	38
Total noninterest expense	49	71	143	169
Income before income taxes	(41)	(31)	(16)	(121)
Total average loans	867	619	845	581
Total average deposits	1,144	2,276	1,500	2,634
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	161	162	477	491
Provision for credit losses	(10)	(10)	(29)	84
Net interest income after provision for credit losses	171	172	506	407
Total noninterest income	43	40	128	116
Total noninterest expense	115	111	346	332
Income before income taxes	99	101	288	191
Total average loans	12,985	14,237	13,318	13,821
Total average deposits	24,399	19,283	23,001	17,735
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	117	121	350	368
Provision for credit losses	(10)	6	(108)	133
Net interest income after provision for credit losses	127	115	458	235
Total noninterest income	37	32	104	99
Total noninterest expense	83	82	251	243
Income before income taxes	81	65	311	91
Total average loans	11,865	13,476	12,337	13,149
Total average deposits	15,925	13,628	15,179	12,775
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	135	129	399	381
Provision for credit losses	(12)	36	(81)	120
Net interest income after provision for credit losses	147	93	480	261
Total noninterest income	25	22	74	66
Total noninterest expense	77	74	233	225
Income before income taxes	95	41	321	102
Total average loans	12,672	12,954	12,924	12,170
Total average deposits	15,900	14,462	15,564	13,375
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	50	54	155	162
Provision for credit losses	(5)	6	(29)	41
Net interest income after provision for credit losses	55	48	184	121
Total noninterest income	13	9	35	30
Total noninterest expense	38	37	112	109
Income before income taxes	30	20	107	42
Total average loans	4,689	5,305	4,914	5,097
Total average deposits	7,259	5,996	6,949	5,608
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	38	37	111	110
Provision for credit losses	(5)	(2)	(35)	49
Net interest income after provision for credit losses	43	39	146	61
Total noninterest income	13	10	38	31
Total noninterest expense	34	35	106	105
Income before income taxes	22	14	78	(13)
Total average loans	2,892	3,310	3,085	3,066
Total average deposits	6,870	5,704	6,500	5,313
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	34	34	103	101
Provision for credit losses	(4)	18	(15)	41
Net interest income after provision for credit losses	38	16	118	60
Total noninterest income	8	8	24	24
Total noninterest expense	28	27	85	80
Income before income taxes	18	(3)	57	4
Total average loans	3,339	3,542	3,422	3,379
Total average deposits	4,362	3,838	4,344	3,497
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	12	13	40	39
Provision for credit losses	1	1	(3)	10
Net interest income after provision for credit losses	11	12	43	29
Total noninterest income	1	1	4	4
Total noninterest expense	5	5	16	16
Income before income taxes	7	8	31	17
Total average loans	1,542	1,550	1,573	1,431
Total average deposits	$ 1,552	$ 1,316	$ 1,484	$ 1,216
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	96		96
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	25		25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	1		1
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch	75		75
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch	83		83
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch	56		56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch	45		45
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	34		34
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	1		1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	2		2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	1		1

Uncategorized Items - zions-202

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]