Zions Bancorporation, National Association (ZION) 10-Q 6 May 22 2022 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2022	Apr. 29, 2022
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
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		151,358,748
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
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	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 700	$ 595
Money market investments:
Interest-bearing deposits	5,093	10,283
Federal funds sold and security resell agreements	2,345	2,133
Investment securities:
Held-to-maturity, at amortized cost (included $414 and $443 at fair value )	439	441
Available-for-sale, at fair value	26,145	24,048
Trading account, at fair value	382	372
Total securities	26,966	24,861
Loans held for sale	43	83
Loans and leases, net of unearned income and fees	51,242	50,851
Less allowance for loan and lease losses	478	513
Loans held for investment, net of allowance	50,764	50,338
Other noninterest-bearing investments	829	851
Premises, equipment and software, net	1,346	1,319
Goodwill and intangibles	1,015	1,015
Other real estate owned	4	8
Other assets	2,021	1,714
Total assets	91,126	93,200
Deposits:
Noninterest-bearing demand	41,937	41,053
Interest-bearing:
Savings and money market	38,864	40,114
Time	1,550	1,622
Total deposits	82,351	82,789
Federal funds purchased and other short-term borrowings	638	903
Long-term debt	689	1,012
Reserve for unfunded lending commitments	36	40
Other liabilities	1,118	993
Total liabilities	84,832	85,737
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	440	440
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 151,348 and 151,625 shares) and additional paid-in capital	1,889	1,928
Retained earnings	5,311	5,175
Accumulated other comprehensive income (loss)	(1,346)	(80)
Total shareholders’ equity	6,294	7,463
Total liabilities and shareholders’ equity	$ 91,126	$ 93,200

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Investment securities:
Held-to-maturity, Estimated fair value	$ 414	$ 443
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)	151,348,000	151,625,000
Common stock, outstanding shares (in shares)	151,348,000	151,625,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Interest and fees on loans	$ 437	$ 488
Interest on money market investments	6	3
Interest on securities	112	71
Total interest income	555	562
Interest expense:
Interest on deposits	6	9
Interest on short- and long-term borrowings	5	8
Total interest expense	11	17
Net interest income	544	545
Provision for credit losses:
Provision for loan and lease losses	(29)	(123)
Provision for unfunded lending commitments	(4)	(9)
Total provision for credit losses	(33)	(132)
Net interest income after provision for credit losses	577	677
Noninterest income:
Commercial account fees	41	32
Card fees	25	21
Retail and business banking fees	20	17
Loan-related fees and income	22	25
Capital markets and foreign exchange fees	15	15
Wealth management fees	14	12
Other customer-related fees	14	11
Customer-related noninterest income	151	133
Fair value and nonhedge derivative gain	6	18
Dividends and other investment income	2	7
Securities gains (losses), net	(17)	11
Total noninterest income	142	169
Noninterest expense:
Salaries and employee benefits	312	288
Technology, telecom, and information processing	52	49
Occupancy and equipment, net	38	39
Professional and legal services	14	21
Marketing and business development	8	7
Deposit insurance and regulatory expense	10	10
Credit-related expense	7	6
Other real estate expense, net	1	0
Other	22	15
Total noninterest expense	464	435
Income before income taxes	255	411
Income taxes	52	89
Net income	203	322
Preferred stock dividends	(8)	(8)
Net earnings applicable to common shareholders	$ 195	$ 314
Weighted average common shares outstanding during the period:
Basic shares (in shares)	151,285	163,551
Diluted shares (in shares)	151,687	163,887
Net earnings per common share:
Basic (in dollars per share)	$ 1.27	$ 1.90
Diluted (in dollars per share)	$ 1.27	$ 1.90

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income for the period	$ 203	$ 322
Other comprehensive income (loss), net of tax:
Net unrealized holding losses on investment securities	(1,121)	(164)
Net unrealized gains on other noninterest-bearing investments	0	2
Net unrealized holding losses on derivative instruments	(135)	(4)
Reclassification adjustment for increase in interest income recognized in earnings on derivative instruments	(10)	(11)
Other comprehensive loss	(1,266)	(177)
Comprehensive income (loss)	$ (1,063)	$ 145

Consolidated Statements of Chan

Consolidated Statements of Changes In Shareholders' Equity - USD ($) $ in Millions	Total	Preferred stock	Common stock	Accumulated paid-in capital	Retained earnings	Accumulated other comprehensive income (loss)
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	322				322
Other comprehensive income (loss), net of tax	(177)					(177)
Bank common stock repurchased (in shares)			(1,012,000)
Bank common stock repurchased	(50)			(50)
Net activity under employee plans and related tax benefits (in shares)			722,000
Net activity under employee plans and related tax benefits	17			17
Dividends on preferred stock	(8)				(8)
Dividends on common stock	(57)				(57)
Balance at end of period at Mar. 31, 2021	7,933	566	$ 0	2,653	4,566	148
Balance at end of period (in shares) at Mar. 31, 2021			163,800,000
Balance at beginning of period at Dec. 31, 2021	$ 7,463	440	$ 0	1,928	5,175	(80)
Balance at beginning of period (in shares) at Dec. 31, 2021	151,625,000		151,625,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 203				203
Other comprehensive income (loss), net of tax	$ (1,266)					(1,266)
Bank common stock repurchased (in shares)	(800,000)		(778,000)
Bank common stock repurchased	$ (51)			(51)
Net activity under employee plans and related tax benefits (in shares)			501,000
Net activity under employee plans and related tax benefits	12			12
Dividends on preferred stock	(8)				(8)
Dividends on common stock	(58)				(58)
Change in deferred compensation	(1)				(1)
Balance at end of period at Mar. 31, 2022	$ 6,294	$ 440	$ 0	$ 1,889	$ 5,311	$ (1,346)
Balance at end of period (in shares) at Mar. 31, 2022	151,348,000		151,348,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 0.38	$ 0.34

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 203	$ 322
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	(33)	(132)
Depreciation and amortization	19	(3)
Share-based compensation	17	14
Deferred income tax expense	39	70
Net decrease (increase) in trading securities	(10)	76
Net decrease (increase) in loans held for sale	29	(3)
Change in other liabilities	127	(54)
Change in other assets	(116)	212
Other, net	13	(18)
Net cash provided by operating activities	288	484
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	4,979	(2,903)
Proceeds from maturities and paydowns of investment securities held-to-maturity	20	167
Purchases of investment securities held-to-maturity	(17)	(114)
Proceeds from sales, maturities and paydowns of investment securities available-for-sale	1,018	1,370
Purchases of investment securities available-for-sale	(4,673)	(2,546)
Net change in loans and leases	(355)	56
Purchases and sales of other noninterest-bearing investments	8	12
Purchases of premises and equipment	(53)	(53)
Other, net	4	13
Net cash provided by (used in) investing activities	931	(3,998)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	(439)	4,200
Net change in short-term funds borrowed	(264)	(540)
Redemption of long-term debt	(290)	0
Proceeds from the issuance of common stock	6	11
Dividends paid on common and preferred stock	(66)	(66)
Bank common stock repurchased	(51)	(50)
Other, net	(10)	(8)
Net cash provided by (used in) financing activities	(1,114)	3,547
Net increase in cash and due from banks	105	33
Cash and due from banks at beginning of period	595	543
Cash and due from banks at end of period	700	576
Cash paid for interest	11	22
Net refunds received for income taxes	(1)	0
Noncash activities are summarized as follows:
Loans held for investment transferred to other real estate owned	0	1
Loans held for investment reclassified to loans held for sale, net	$ 34	$ (7)

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2022
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”). The results of operations for the three months ended March 31, 2022 and 2021 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. For further information, refer to the consolidated financial statements and accompanying footnotes included in our 2021 Form 10-K. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Effective for the first quarter of 2022, we made certain financial reporting changes and reclassifications to noninterest expense in our Consolidated Statements of Income. These financial reporting changes were made primarily to improve the presentation and disclosure of certain expenses related to our ongoing technology initiatives. Other noninterest expense line items were impacted by these changes and reclassifications. These changes and reclassifications (1) were adopted retrospectively to January 1, 2020, (2) reflect changes only to noninterest expense in the Consolidated Statements of Income, and (3) do not impact net income, net interest income, or noninterest income. 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 bank divisions, which we refer to as “affiliates,” or “affiliate banks,” each with its own local branding and management team. These include 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	3 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new guidance also requires public companies to present current-period gross write-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new guidance is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have established an implementation team to ensure that the necessary data is captured in order to comply with the new disclosure requirements. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new guidance.

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2022
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 2021 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) March 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 503 $ 23,799 $ — $ 24,302 Municipal securities 1,768 1,768 Other debt securities 75 75 Total available-for-sale 503 25,642 — 26,145 Trading account 15 367 382 Other noninterest-bearing investments: Bank-owned life insurance 538 538 Private equity investments 1 13 74 87 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 131 131 Derivatives: Derivatives designated as hedges 29 29 Derivatives not designated as hedges 90 90 Total assets $ 662 $ 26,666 $ 86 $ 27,414 LIABILITIES Securities sold, not yet purchased $ 101 $ — $ — $ 101 Other liabilities: Derivatives: Derivatives not designated as hedges 179 179 Total liabilities $ 101 $ 179 $ — $ 280 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are now publicly traded. (In millions) December 31, 2021 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 134 $ 22,144 $ — $ 22,278 Municipal securities 1,694 1,694 Other debt securities 76 76 Total available-for-sale 134 23,914 — 24,048 Trading account 14 358 372 Other noninterest-bearing investments: Bank-owned life insurance 537 537 Private equity investments 1 35 66 101 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 138 138 Derivatives: Derivatives designated as hedges 10 10 Derivatives not designated as hedges 209 209 Total assets $ 321 $ 25,028 $ 78 $ 25,427 LIABILITIES Securities sold, not yet purchased $ 254 $ — $ — $ 254 Other liabilities: Derivatives: Derivatives not designated as hedges 51 51 Total liabilities $ 254 $ 51 $ — $ 305 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are now publicly traded. Level 3 Valuations Our Level 3 holdings include 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 2021 Form 10-K. Rollforward of Level 3 Fair Value Measurements The following schedule presents a rollforward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments Three Months Ended March 31, 2022 March 31, 2021 (In millions) Private equity investments Ag loan servicing & interest only strips Private equity investments Ag loan servicing & interest only strips Balance at beginning of period $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net 5 — 1 — Other noninterest income (expense) — — — (1) Purchases 6 — 4 — Cost of investments sold (3) — (2) — Balance at end of period $ 74 $ 12 $ 83 $ 15 During the three months ended March 31, 2022 and 2021, there were no transfers of assets or liabilities recorded at fair value on a recurring basis into or out of Level 3 fair value measurements. The rollforward Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2022 March 31, 2021 Securities gains (losses), net $ (2) $ (1) Nonrecurring Fair Value Measurements Certain assets and liabilities may be recorded at fair value on a nonrecurring basis, including impaired loans that have been measured based on the fair value of the underlying collateral, other real estate owned (“OREO”), and nonmarketable equity securities. Nonrecurring fair value adjustments typically involve write-downs of individual assets or the application of lower of cost or fair value accounting. At March 31, 2022, we had no assets or liabilities that had fair value changes measured on a nonrecurring basis. At December 31, 2021, we had $2 million of collateral-dependent loans valued as level 2 measurements, and recognized $3 million of losses from fair value changes related to these loans. The previous fair values may not be current as of the dates indicated, but rather as of the most recent date the fair value change occurred. For additional information regarding the measurement of fair value for impaired loans, collateral-dependent loans, and OREO, see Note 3 of our 2021 Form 10-K. Fair Value of Certain Financial Instruments The following schedule summarizes of the carrying values and estimated fair values of certain financial instruments: March 31, 2022 December 31, 2021 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: HTM investment securities $ 439 $ 414 2 $ 441 $ 443 2 Loans and leases (including loans held for sale), net of allowance 50,807 49,837 3 50,421 50,619 3 Financial liabilities: Time deposits 1,550 1,538 2 1,622 1,624 2 Long-term debt 689 699 2 1,012 1,034 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 2021 Form 10-K.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	3 Months Ended
	Mar. 31, 2022
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES Gross and net information for selected financial instruments in the balance sheet is as follows: March 31, 2022 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 $ 2,345 $ — $ 2,345 $ — $ — $ 2,345 Derivatives (included in other assets) 119 — 119 (8) (65) 46 Total assets $ 2,464 $ — $ 2,464 $ (8) $ (65) $ 2,391 Liabilities: Federal funds purchased and other short-term borrowings $ 638 $ — $ 638 $ — $ — $ 638 Derivatives (included in other liabilities) 179 — 179 (8) — 171 Total liabilities $ 817 $ — $ 817 $ (8) $ — $ 809 December 31, 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 $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in other assets) 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds purchased and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in other liabilities) 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937 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 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.

Investments

Investments	3 Months Ended
	Mar. 31, 2022
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as held-to-maturity (“HTM”), available-for sale (“AFS”), or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. 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 $71 million and $65 million at March 31, 2022 and December 31, 2021, respectively. These receivables are presented on the consolidated balance sheet in “Other assets.” See Note 5 of our 2021 Form 10-K for more information related to our accounting for investment securities, and see Note 3 of our 2021 Form 10-K for description of 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: March 31, 2022 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 439 $ — $ 25 $ 414 Available-for-sale U.S. Treasury securities 557 — 54 503 U.S. Government agencies and corporations: Agency securities 802 — 10 792 Agency guaranteed mortgage-backed securities 23,626 9 1,553 22,082 Small Business Administration loan-backed securities 950 2 27 925 Municipal securities 1,828 6 66 1,768 Other debt securities 75 — — 75 Total available-for-sale 27,838 17 1,710 26,145 Total HTM and AFS investment securities $ 28,277 $ 17 $ 1,735 $ 26,559 December 31, 2021 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 441 $ 4 $ 2 $ 443 Available-for-sale U.S. Treasury securities 155 — 21 134 U.S. Government agencies and corporations: Agency securities 833 13 1 845 Agency guaranteed mortgage-backed securities 20,549 108 270 20,387 Small Business Administration loan-backed securities 938 2 28 912 Municipal securities 1,652 46 4 1,694 Other debt securities 75 1 — 76 Total available-for-sale 24,202 170 324 24,048 Total HTM and AFS investment securities $ 24,643 $ 174 $ 326 $ 24,491 Maturities The following schedule shows the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at March 31, 2022. 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. March 31, 2022 Total 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 $ 439 3.02 % $ 29 2.71 % $ 139 3.19 % $ 176 2.71 % $ 95 3.41 % Available-for-sale U.S. Treasury securities 557 2.05 — — — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 802 2.06 31 0.84 317 1.50 292 2.37 162 2.83 Agency guaranteed mortgage-backed securities 23,626 1.70 — — 442 1.49 1,824 1.84 21,360 1.69 Small Business Administration loan-backed securities 950 1.38 — — 47 1.30 184 2.18 719 1.18 Municipal securities 1 1,828 2.37 106 2.18 683 2.59 638 2.10 401 2.47 Other debt securities 75 2.17 — — — — 60 1.99 15 2.91 Total available-for-sale securities 27,838 1.75 137 1.88 1,489 1.99 2,998 1.97 23,214 1.70 Total HTM and AFS investment securities $ 28,277 1.77 % $ 166 2.02 % $ 1,628 2.09 % $ 3,174 2.01 % $ 23,309 1.71 % 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: March 31, 2022 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 12 $ 224 $ 13 $ 92 $ 25 $ 316 Available-for-sale U.S. Treasury securities 15 386 39 117 54 503 U.S. Government agencies and corporations: Agency securities 10 660 — — 10 660 Agency guaranteed mortgage-backed securities 1,152 17,185 401 3,874 1,553 21,059 Small Business Administration loan-backed securities — 27 27 693 27 720 Municipal securities 55 1,067 11 89 66 1,156 Other — 15 — — — 15 Total available-for-sale 1,232 19,340 478 4,773 1,710 24,113 Total HTM and AFS investment securities $ 1,244 $ 19,564 $ 491 $ 4,865 $ 1,735 $ 24,429 December 31, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 1 $ 88 $ 1 $ 68 $ 2 $ 156 Available-for-sale U.S. Treasury securities — — 21 134 21 134 U.S. Government agencies and corporations: Agency securities 1 121 — 1 1 122 Agency guaranteed mortgage-backed securities 231 13,574 39 942 270 14,516 Small Business Administration loan-backed securities — 27 28 749 28 776 Municipal securities 4 327 — 8 4 335 Other — — — — — — Total available-for-sale 236 14,049 88 1,834 324 15,883 Total HTM and AFS investment securities $ 237 $ 14,137 $ 89 $ 1,902 $ 326 $ 16,039 Approximately 455 and 137 HTM and 3,059 and 1,302 AFS investment securities were in an unrealized loss position at March 31, 2022, and December 31, 2021, 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 2021 Form 10-K. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during the first three months of 2022. Unrealized losses primarily relate to changes in interest rates subsequent to purchase and are not attributable to credit. At March 31, 2022, 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 allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans and leases carried at amortized cost. The ACL on HTM securities was less than $1 million at March 31, 2022. All HTM securities were risk-graded as "Pass" in terms of credit quality and none were past due at March 31, 2022. The amortized cost basis of HTM securities categorized by year acquired is summarized in the following schedule: March 31, 2022 Amortized cost basis by year acquired (In millions) 2022 2021 2020 2019 2018 Prior Total Securities Held-to-maturity $ 17 $ 101 $ 122 $ 10 $ — $ 189 $ 439 Securities Gains and Losses Recognized in Income The following schedule summarizes securities gains and losses recognized in the income statement: Three Months Ended March 31, 2022 2021 (In millions) Gross gains Gross losses Gross gains Gross losses Other noninterest-bearing investments $ 3 $ 20 $ 14 $ 3 Net gains (losses) 1 $ (17) $ 11 1 Net gains (losses) were recognized in securities gains (losses) in the income statement. The following schedule presents interest income by security type: Three Months Ended March 31, 2022 2021 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 2 $ 1 $ 3 $ 3 $ 2 $ 5 Available-for-sale 96 8 104 57 7 64 Trading — 5 5 — 2 2 Total securities $ 98 $ 14 $ 112 $ 60 $ 11 $ 71 At March 31, 2022 and December 31, 2021, investment securities with a carrying value of approximately $3.0 billion and $3.1 billion, 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	3 Months Ended
	Mar. 31, 2022
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) March 31, December 31, Loans held for sale $ 43 $ 83 Commercial: Commercial and industrial $ 14,356 $ 13,867 PPP 1,081 1,855 Leasing 318 327 Owner-occupied 9,026 8,733 Municipal 3,944 3,658 Total commercial 28,725 28,440 Commercial real estate: Construction and land development 2,769 2,757 Term 9,325 9,441 Total commercial real estate 12,094 12,198 Consumer: Home equity credit line 3,089 3,016 1-4 family residential 6,122 6,050 Construction and other consumer real estate 692 638 Bankcard and other revolving plans 410 396 Other 110 113 Total consumer 10,423 10,213 Total loans and leases $ 51,242 $ 50,851 Loans and leases are presented at their amortized cost basis, which includes net unamortized purchase premiums, discounts, and deferred loan fees and costs totaling $59 million and $83 million at March 31, 2022 and December 31, 2021, respectively. Amortized cost basis does not include accrued interest receivables of $157 million and $161 million at March 31, 2022 and December 31, 2021, 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 $176 million at March 31, 2022 and $160 million at December 31, 2021. Loans with a carrying value of $26.8 billion at both March 31, 2022 and December 31, 2021 have been pledged at the Federal Reserve and the Federal Home Loan Bank (“FHLB”) of Des Moines as collateral for potential borrowings. We sold loans totaling $336 million for the three months ended March 31, 2022, and $423 million for the three months ended March 31, 2021, 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 Small Business Administration (“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 (“PPP”). 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 $297 million and $426 million, respectively. See Note 5 for further information regarding guaranteed securities. The principal balance of sold loans for which we retain servicing was approximately $3.5 billion at March 31, 2022, and $3.3 billion at December 31, 2021. Income from loans sold, excluding servicing, was $6 million and $11 million for the three months ended March 31, 2022, and 2021, 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 2021 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 March 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses (24) (5) — (29) Gross loan and lease charge-offs 13 — 4 17 Recoveries 8 — 3 11 Net loan and lease charge-offs (recoveries) 5 — 1 6 Balance at end of period $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (5) 1 — (4) Balance at end of period $ 14 $ 12 $ 10 $ 36 Total allowance for credit losses at end of period Allowance for loan losses $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments 14 12 10 36 Total allowance for credit losses $ 296 $ 114 $ 104 $ 514 Three Months Ended March 31, 2021 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 464 $ 171 $ 142 $ 777 Provision for loan losses (94) (19) (10) (123) Gross loan and lease charge-offs 18 — 3 21 Recoveries 10 — 3 13 Net loan and lease charge-offs (recoveries) 8 — — 8 Balance at end of period $ 362 $ 152 $ 132 $ 646 Reserve for unfunded lending commitments Balance at beginning of period $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (6) (3) — (9) Balance at end of period $ 24 $ 17 $ 8 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 362 $ 152 $ 132 $ 646 Reserve for unfunded lending commitments 24 17 8 49 Total allowance for credit losses $ 386 $ 169 $ 140 $ 695 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: March 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 20 $ 92 $ 112 $ 38 PPP — 2 2 — Owner-occupied 33 20 53 2 Total commercial 53 114 167 40 Commercial real estate: Term 5 15 20 3 Total commercial real estate 5 15 20 3 Consumer: Home equity credit line 4 9 13 1 1-4 family residential 8 43 51 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 12 53 65 7 Total $ 70 $ 182 $ 252 $ 50 December 31, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 30 $ 94 $ 124 $ 34 PPP 2 1 3 — Owner-occupied 37 20 57 3 Total commercial 69 115 184 37 Commercial real estate: Term 6 14 20 3 Total commercial real estate 6 14 20 3 Consumer: Home equity credit line 4 10 14 2 1-4 family residential 9 43 52 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 13 54 67 8 Total $ 88 $ 183 $ 271 $ 48 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 months ended March 31, 2022 and 2021, 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 (In millions) 2022 2021 Commercial $ 4 $ 3 Commercial real estate — 1 Consumer — — Total $ 4 $ 4 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: March 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 14,285 $ 49 $ 22 $ 71 $ 14,356 $ 1 $ 89 PPP 1,053 26 2 28 1,081 — — Leasing 317 1 — 1 318 — — Owner-occupied 9,001 13 12 25 9,026 — 40 Municipal 3,944 — — — 3,944 — — Total commercial 28,600 89 36 125 28,725 1 129 Commercial real estate: Construction and land development 2,769 — — — 2,769 — — Term 9,320 1 4 5 9,325 1 17 Total commercial real estate 12,089 1 4 5 12,094 1 17 Consumer: Home equity credit line 3,083 3 3 6 3,089 — 10 1-4 family residential 6,090 11 21 32 6,122 — 21 Construction and other consumer real estate 692 — — — 692 — — Bankcard and other revolving plans 408 1 1 2 410 1 — Other 109 1 — 1 110 — — Total consumer loans 10,382 16 25 41 10,423 1 31 Total $ 51,071 $ 106 $ 65 $ 171 $ 51,242 $ 3 $ 177 December 31, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,822 $ 17 $ 28 $ 45 $ 13,867 $ 2 $ 91 PPP 1,813 35 7 42 1,855 5 — Leasing 327 — — — 327 — — Owner-occupied 8,712 7 14 21 8,733 — 42 Municipal 3,658 — — — 3,658 — — Total commercial 28,332 59 49 108 28,440 7 133 Commercial real estate: Construction and land development 2,757 — — — 2,757 — — Term 9,426 10 5 15 9,441 — 15 Total commercial real estate 12,183 10 5 15 12,198 — 15 Consumer: Home equity credit line 3,008 4 4 8 3,016 — 10 1-4 family residential 6,018 6 26 32 6,050 — 24 Construction and other consumer real estate 638 — — — 638 — — Bankcard and other revolving plans 393 2 1 3 396 1 — Other 112 1 — 1 113 — — Total consumer loans 10,169 13 31 44 10,213 1 34 Total $ 50,684 $ 82 $ 85 $ 167 $ 50,851 $ 8 $ 182 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 assigned to loans follow our definition 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. There were no loans classified as Doubtful at both March 31, 2022 and December 31, 2021. We generally assign internal risk grades to commercial and commercial real estate (“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 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 for 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, Special Mention, or Substandard grade, and are reviewed as we identify information that might warrant a grade change. The amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management are summarized as follows. March 31, 2022 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) 2022 2021 2020 2019 2018 Prior Total Commercial: Commercial and industrial Pass $ 669 $ 2,455 $ 1,257 $ 1,095 $ 700 $ 452 $ 6,851 $ 158 $ 13,637 Special Mention — 5 13 4 13 45 97 1 178 Accruing Substandard — 30 21 115 44 87 124 8 429 Nonaccrual — 13 9 6 1 19 49 15 112 Total commercial and industrial 669 2,503 1,300 1,220 758 603 7,121 182 14,356 PPP Pass — 778 301 — — — — — 1,079 Nonaccrual — — 2 — — — — — 2 Total PPP — 778 303 — — — — — 1,081 Leasing Pass 2 55 70 64 60 55 — — 306 Special Mention — — — 5 1 1 — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 2 55 70 69 61 61 — — 318 Owner-occupied Pass 602 2,447 1,311 1,013 810 2,183 193 70 8,629 Special Mention — 8 12 20 22 65 3 3 133 Accruing Substandard 5 6 28 29 47 91 5 — 211 Nonaccrual — — 2 13 9 25 4 — 53 Total owner-occupied 607 2,461 1,353 1,075 888 2,364 205 73 9,026 Municipal Pass 428 1,279 939 529 208 527 4 — 3,914 Special Mention — — — — — 25 — — 25 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total municipal 428 1,279 939 529 208 557 4 — 3,944 Total commercial 1,706 7,076 3,965 2,893 1,915 3,585 7,330 255 28,725 Commercial real estate: Construction and land development Pass 75 695 811 386 61 27 674 36 2,765 Special Mention — — — 1 — — — — 1 Accruing Substandard — — 3 — — — — — 3 Nonaccrual — — — — — — — — — Total construction and land development 75 695 814 387 61 27 674 36 2,769 Term Pass 627 2,297 1,604 1,297 994 1,795 189 215 9,018 Special Mention — 22 — — — 15 — 1 38 Accruing Substandard 8 9 39 43 95 55 — — 249 Nonaccrual — — 1 5 1 13 — — 20 Total term 635 2,328 1,644 1,345 1,090 1,878 189 216 9,325 Total commercial real estate 710 3,023 2,458 1,732 1,151 1,905 863 252 12,094 March 31, 2022 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) 2022 2021 2020 2019 2018 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,982 91 3,073 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 6 13 Total home equity credit line — — — — — — 2,992 97 3,089 1-4 family residential Pass 470 1,384 982 677 428 2,128 — — 6,069 Special Mention — — — — — — — — — Accruing Substandard — — — 1 — 1 — — 2 Nonaccrual — 1 3 4 2 41 — — 51 Total 1-4 family residential 470 1,385 985 682 430 2,170 — — 6,122 Construction and other consumer real estate Pass 55 382 186 43 18 8 — — 692 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 55 382 186 43 18 8 — — 692 Bankcard and other revolving plans Pass — — — — — — 401 6 407 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 404 6 410 Other consumer Pass 20 45 19 14 7 5 — — 110 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 20 45 19 14 7 5 — — 110 Total consumer 545 1,812 1,190 739 455 2,183 3,396 103 10,423 Total loans $ 2,961 $ 11,911 $ 7,613 $ 5,364 $ 3,521 $ 7,673 $ 11,589 $ 610 $ 51,242 December 31, 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 2016 Prior Total Commercial: Commercial and industrial Pass $ 2,561 $ 1,309 $ 1,179 $ 748 $ 354 $ 239 $ 6,594 $ 121 $ 13,105 Special Mention 4 17 9 12 1 3 128 1 175 Accruing Substandard 28 22 99 53 31 65 162 3 463 Nonaccrual 14 10 6 3 1 21 51 18 124 Total commercial and industrial 2,607 1,358 1,293 816 387 328 6,935 143 13,867 PPP Pass 1,317 535 — — — — — — 1,852 Nonaccrual — 3 — — — — — — 3 Total PPP 1,317 538 — — — — — — 1,855 Leasing Pass 46 74 70 64 42 19 — — 315 Special Mention — 1 4 1 1 — — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 46 75 74 65 43 24 — — 327 Owner-occupied Pass 2,420 1,366 1,028 868 695 1,663 177 69 8,286 Special Mention 10 13 19 32 18 50 3 3 148 Accruing Substandard 14 24 41 47 24 79 13 — 242 Nonaccrual — 4 14 9 9 20 1 — 57 Total owner-occupied 2,444 1,407 1,102 956 746 1,812 194 72 8,733 Municipal Pass 1,303 963 553 250 327 220 3 — 3,619 Special Mention — — — — — 25 — — 25 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 1,303 972 553 250 327 250 3 — 3,658 Total commercial 7,717 4,350 3,022 2,087 1,503 2,414 7,132 215 28,440 Commercial real estate: Construction and land development Pass 640 736 515 94 24 2 650 64 2,725 Special Mention — — 1 — — — — — 1 Accruing Substandard — 3 28 — — — — — 31 Nonaccrual — — — — — — — — — Total construction and land development 640 739 544 94 24 2 650 64 2,757 Term Pass 2,407 1,765 1,491 1,066 529 1,401 239 179 9,077 Special Mention 22 39 10 17 8 25 — 4 125 Accruing Substandard 9 9 44 77 14 64 — 2 219 Nonaccrual — 1 5 1 — 13 — — 20 Total term 2,438 1,814 1,550 1,161 551 1,503 239 185 9,441 Total commercial real estate 3,078 2,553 2,094 1,255 575 1,505 889 249 12,198 December 31, 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 2016 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,903 96 2,999 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 7 14 Total home equity credit line — — — — — — 2,913 103 3,016 1-4 family residential Pass 1,391 1,021 728 484 681 1,691 — — 5,996 Special Mention — — — — — — — — — Accruing Substandard — — 1 — — 1 — — 2 Nonaccrual — 3 3 3 9 34 — — 52 Total 1-4 family residential 1,391 1,024 732 487 690 1,726 — — 6,050 Construction and other consumer real estate Pass 295 232 73 27 4 7 — — 638 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 295 232 73 27 4 7 — — 638 Bankcard and other revolving plans Pass — — — — — — 391 3 394 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 393 3 396 Other consumer Pass 58 23 17 9 4 2 — — 113 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 58 23 17 9 4 2 — — 113 Total consumer 1,744 1,279 822 523 698 1,735 3,306 106 10,213 Total loans $ 12,539 $ 8,182 $ 5,938 $ 3,865 $ 2,776 $ 5,654 $ 11,327 $ 570 $ 50,851 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 2021 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: March 31, 2022 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 $ 19 $ 10 $ — $ — $ 4 $ 4 $ 37 Owner-occupied 1 4 — 9 14 9 37 Municipal — 10 — — — — 10 Total commercial 20 24 — 9 18 13 84 Commercial real estate: Term 1 29 — 27 41 8 106 Total commercial real estate 1 29 — 27 41 8 106 Consumer: Home equity credit line — — 5 — — 2 7 1-4 family residential 3 1 2 — 1 12 19 Total consumer loans 3 1 7 — 1 14 26 Total accruing 24 54 7 36 60 35 216 Nonaccruing Commercial: Commercial and industrial 1 3 — 11 7 36 58 Owner-occupied 9 — — — — 12 21 Total commercial 10 3 — 11 7 48 79 Commercial real estate: Term — — — 11 2 3 16 Total commercial real estate — — — 11 2 3 16 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — — 3 4 Total consumer loans — 1 1 — — 3 5 Total nonaccruing 10 4 1 22 9 54 100 Total $ 34 $ 58 $ 8 $ 58 $ 69 $ 89 $ 316 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 the previous modification types reflected in the schedule. December 31, 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 $ 19 $ 1 $ — $ — $ 4 $ 7 $ 31 Owner-occupied 5 4 — 8 14 12 43 Municipal — 10 — — — — 10 Total commercial 24 15 — 8 18 19 84 Commercial real estate: Term 1 29 — 27 41 8 106 Total commercial real estate 1 29 — 27 41 8 106 Consumer: Home equity credit line — 1 5 — — 2 8 1-4 family residential 5 1 2 — 1 14 23 Total consumer loans 5 2 7 — 1 16 31 Total accruing 30 46 7 35 60 43 221 Nonaccruing Commercial: Commercial and industrial 1 4 — 2 8 49 64 Owner-occupied 5 — — 2 — 13 20 Total commercial 6 4 — 4 8 62 84 Commercial real estate: Term — — — 11 2 3 16 Total commercial real estate — — — 11 2 3 16 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 3 — 4 Total consumer loans — 1 1 — 3 — 5 Total nonaccruing 6 5 1 15 13 65 105 Total $ 36 $ 51 $ 8 $ 50 $ 73 $ 108 $ 326 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 the previous modification types reflected in the schedule. Unfunded lending commitments on TDRs totaled $4 million and $10 million at March 31, 2022 and December 31, 2021, respectively. The total amortized cost of all TDRs in which interest rates were modified below market was $92 million at March 31, 2022 and $100 million at December 31, 2021. 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 months ended March 31, 2022 and 2021 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. 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: March 31, 2022 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 8 Single family residential 39% Owner-occupied 8 Office building 40% Commercial real estate: Term 2 Multi-family 37% Consumer: Home equity credit line 4 Single family residential 35% 1-4 family residential 2 Single family residential 38% Total $ 24 December 31, 2021 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 27 Corporate assets, Single family residential 55% Owner-occupied 11 Office Building 40% Commercial real estate: Term 2 Multi-family, Retail 28% Consumer: Home equity credit line 5 Single family residential 45% 1-4 family residential 2 Single family residential 35% Total $ 47 1 The fair value is based on the most recent appraisal or other collateral evaluation. Foreclosed Residential Real Estate At March 31, 2022 and December 31, 2021, 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 $13 million and $10 million for the same periods, respectively.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	3 Months Ended
	Mar. 31, 2022
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 2021 Form 10-K. Fair Value Hedges of Liabilities – At March 31, 2022, 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 first quarter of 2022, derivatives designated as fair value hedges of debt decreased in value by $7 million which was offset by changes in the fair value of the hedged debt instruments as shown in the schedules below. During the first quarter of 2022, we fully amortized the remaining $1 million of cumulative unamortized debt basis adjustments related to previously terminated fair value hedges of debt. Fair Value Hedges of Assets – At March 31, 2022, we had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $990 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 first quarter of 2022, derivatives designated as fair value hedges of fixed-rate AFS securities increased in value by $52 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 March 31, 2022, we had $6 billion notional amount of receive-fixed interest rate swaps designated as cash flow hedges of pools of floating-rate commercial loans. Also during the quarter, our cash flow hedge portfolio decreased in value by $192 million, which was recorded in AOCI. The amounts deferred in AOCI are reclassified into earnings in the periods in which the hedged interest receipts 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 2021 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 March 31, 2022, the fair value of our derivative liabilities was $179 million, for which we were required to pledge cash collateral of $118 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 March 31, 2022, 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 March 31, 2022 and December 31, 2021, and the related gain (loss) of derivative instruments is summarized as follows: March 31, 2022 December 31, 2021 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 $ 6,041 $ — $ — $ 6,883 $ — $ — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 990 29 — 479 10 — Total derivatives designated as hedging instruments 7,531 29 — 7,862 10 — Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives 1 6,604 41 170 6,587 192 36 Offsetting interest rate derivatives 2 6,604 175 43 6,587 38 197 Other interest rate derivatives 1,067 6 1 1,286 6 1 Foreign exchange derivatives 380 4 3 288 3 2 Total derivatives not designated as hedging instruments 14,655 226 217 14,748 239 236 Total derivatives $ 22,186 $ 255 $ 217 $ 22,610 $ 249 $ 236 1 Customer-facing interest rate derivatives include a net credit valuation adjustment (“CVA”) of $3 million, reducing the fair value of the liability at March 31, 2022, and $3 million, reducing the fair value of the asset at December 31, 2021. 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: March 31, 2022 December 31, 2021 (In millions) Other assets Other liabilities Other assets Other liabilities Offsetting interest rate derivatives $ 39 $ 5 $ 8 $ 12 The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in other comprehensive income (“OCI”) or recognized in earnings for the three months ended March 31, 2022 and 2021 is shown in the schedules below. Three Months Ended March 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 2 $ — $ — Interest rate swaps (178) — 12 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 2 — Basis amortization on terminated hedges 2, 3 — — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (178) $ — $ 14 $ 2 $ — Three Months Ended March 31, 2021 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps (5) — 12 — — 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 $ (5) $ — $ 15 $ 4 $ — 1 For the 12 months following March 31, 2022, we estimate that $26 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $57 million of gains as of March 31, 2021. 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 March 31, 2022 is $0 and $7 million of terminated fair value debt and asset hedges, respectively, compared with $9 million and $7 million as of March 31, 2021. The remaining basis adjustment for terminated fair value debt hedges was fully amortized during the first quarter of 2022. 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 March 31, 2022 Three Months Ended Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ (268) $ (182) Offsetting interest rate derivatives 281 206 Other interest rate derivatives 1 (4) Foreign exchange derivatives 6 5 Total derivatives not designated as hedging instruments $ 20 $ 25 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 March 31, 2022 Three Months Ended March 31, 2021 (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 $ (32) $ 32 $ — $ (35) $ 35 $ — Assets: Pay-fixed interest rate swaps 1, 2 53 (53) — 48 (48) — 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) March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Long-term fixed-rate debt $ (500) $ (500) $ (474) $ (507) $ 26 $ (7) Fixed-rate AFS securities 990 479 894 435 (96) (44) 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	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. We do not have significant equipment leases. At March 31, 2022, we had 416 branches, of which 273 are owned and 143 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2022 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” For more information about our lease policies, see Note 8 of our 2021 Form 10-K. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $1 million at both March 31, 2022 and December 31, 2021. Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022. 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 first quarter of 2022 and 2021. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $318 million and $327 million at March 31, 2022 and December 31, 2021, respectively. We recorded income of $3 million on these leases for both the first quarter of 2022 and 2021.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. We do not have significant equipment leases. At March 31, 2022, we had 416 branches, of which 273 are owned and 143 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2022 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” For more information about our lease policies, see Note 8 of our 2021 Form 10-K. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $1 million at both March 31, 2022 and December 31, 2021. Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022. 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 first quarter of 2022 and 2021. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $318 million and $327 million at March 31, 2022 and December 31, 2021, respectively. We recorded income of $3 million on these leases for both the first quarter of 2022 and 2021.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. We do not have significant equipment leases. At March 31, 2022, we had 416 branches, of which 273 are owned and 143 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2022 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” For more information about our lease policies, see Note 8 of our 2021 Form 10-K. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $1 million at both March 31, 2022 and December 31, 2021. Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022. 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 first quarter of 2022 and 2021. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $318 million and $327 million at March 31, 2022 and December 31, 2021, respectively. We recorded income of $3 million on these leases for both the first quarter of 2022 and 2021.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. We do not have significant equipment leases. At March 31, 2022, we had 416 branches, of which 273 are owned and 143 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2022 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” For more information about our lease policies, see Note 8 of our 2021 Form 10-K. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $1 million at both March 31, 2022 and December 31, 2021. Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022. 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 first quarter of 2022 and 2021. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $318 million and $327 million at March 31, 2022 and December 31, 2021, respectively. We recorded income of $3 million on these leases for both the first quarter of 2022 and 2021.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. We do not have significant equipment leases. At March 31, 2022, we had 416 branches, of which 273 are owned and 143 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2022 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” For more information about our lease policies, see Note 8 of our 2021 Form 10-K. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $1 million at both March 31, 2022 and December 31, 2021. Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022. 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 first quarter of 2022 and 2021. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $318 million and $327 million at March 31, 2022 and December 31, 2021, respectively. We recorded income of $3 million on these leases for both the first quarter of 2022 and 2021.

Long-Term Debt and Shareholders

Long-Term Debt and Shareholders' Equity	3 Months Ended
	Mar. 31, 2022
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) March 31, December 31, 2021 Amount change Percent change Subordinated notes $ 557 $ 590 $ (33) (6) % Senior notes 128 418 (290) (69) Finance lease obligations 4 4 — — Total $ 689 $ 1,012 $ (323) (32) % The decrease in long-term debt was primarily due to the redemption of $290 million of the 4-year, 3.35% senior notes during the first quarter of 2022. Common Stock Our common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. At March 31, 2022, there were 151.3 million shares of $0.001 par value common stock outstanding. Common stock and additional paid-in capital totaled $1.9 billion at March 31, 2022, which decreased $39 million, or 2%, from December 31, 2021, primarily due to common stock repurchases. During the first three months of 2022, we repurchased 0.8 million common shares outstanding for $50 million at an average price of $65.31 per share. Accumulated Other Comprehensive Income (Loss) Accumulated other comprehensive income (loss) decreased to a loss of $1.3 billion at March 31, 2022, primarily due to decreases in the fair value of fixed-rate available-for-sale securities as a result of 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 Three Months Ended March 31, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (1,121) (135) — (1,256) Amounts reclassified from AOCI, net of tax — (10) — (10) Other comprehensive loss (1,121) (145) — (1,266) Balance at March 31, 2022 $ (1,199) $ (145) $ (2) $ (1,346) Income tax benefit included in OCI (loss) $ (363) $ (47) $ — $ (410) Three Months Ended March 31, 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 OCI (loss) before reclassifications, net of tax (165) (1) — (166) Amounts reclassified from AOCI, net of tax — (11) — (11) Other comprehensive income (loss) (165) (12) — (177) Balance at March 31, 2021 $ 93 $ 57 $ (2) $ 148 Income tax benefit included in OCI (loss) $ (53) $ (4) $ — $ (57) Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Details about AOCI components 2022 2021 Affected line item Net unrealized gains on derivative instruments $ 14 $ 15 SI Interest and fees on loans Income tax expense 4 4 Amounts reclassified from AOCI $ 10 $ 11 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and Co

Commitments, Guarantees, and Contingent Liabilities	3 Months Ended
	Mar. 31, 2022
Guarantees, Commitments And Contingencies [Abstract]
COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES	COMMITMENTS, GUARANTEES, AND CONTINGENT LIABILITIES Commitments and Guarantees Off-balance sheet financial obligations used to meet the financing needs of our customers include the following: (In millions) March 31, December 31, Unfunded lending commitments 1 $ 26,391 $ 25,797 Standby letters of credit: Financial 589 597 Performance 255 245 Commercial letters of credit 18 22 Total unfunded commitments $ 27,253 $ 26,661 1 Net of participations. Our 2021 Form 10-K contains further information about these commitments and guarantees including their terms and collateral requirements. At March 31, 2022, the liability for the guarantees associated with the standby letters of credit was $4 million, which consisted of $2 million attributable to the RULC, 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 March 31, 2022, 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. In March 2022, the parties participated in mediation, which resulted in a binding settlement agreement. Our insurers are responsible for the payment of the settlement amount under applicable policies. The settlement is not expected to have a significant financial impact on the Bank. • 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. In March 2022, the parties participated in mediation and an agreement was reached in principle. Our insurers are responsible for the payment of the settlement amount under applicable policies. The settlement agreement will be submitted to the court for its preliminary approval of the agreement and notification of the putative class. There can be no assurance that the proposed settlement will result in a definitive agreement, that the conditions to the settlement will be met or the settlement will be approved by the court. If completed, the proposed settlement is not expected to have a significant financial impact on the Bank. • 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 Securities and Exchange Commission (“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. On January 14, 2022, the parties notified the court they reached a settlement in principle and the parties are preparing to submit a proposed settlement agreement for the court’s preliminary approval of the agreement and notification of the putative class. There can be no assurance that the proposed settlement will result in a definitive agreement, that the conditions to the settlement will be met or the settlement will be approved by the court. If completed, the proposed settlement is not expected to have a significant financial impact on the Bank. • Five civil class action cases have been filed against us by the same plaintiffs’ attorney, seeking to hold the Bank liable for practices relating to, and disclosures in, its deposit agreement pertaining to fees. Sipple v. Zions Bancorporation, N.A. was brought against us in the District Court of Clark County, Nevada in February 2021 with respect to foreign transaction fees. The following four cases pertain to insufficient fund fees and have similar or overlapping claims: Ward v. Zions Bancorporation, N.A. was brought against us in federal court in the District of Arizona in May 2021; this case was dismissed by the court in February 2022, but the plaintiff has appealed. Thornton v. Zions Bancorporation, N.A. was brought against us in federal court in the District of Utah in June 2021; the attorney bringing this case took action to dismiss this case in February 2022. Christensen v. Zions Bancorporation, N.A. was brought against us in California state court in November 2021 and removed to federal court in the Southern District of California in January 2022. Covell v. Zions Bancorporation, N.A. was brought against us in federal court in the Southern District of California in April 2022. These cases are all in early phases of litigation. 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 March 31, 2022, we estimated that the aggregate range of reasonably possible losses for those matters to be from $0 million to roughly $10 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

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2022
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 first quarter of 2022. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For more information about our revenue recognition from contracts, see Note 17 of our 2021 Form 10-K. Disaggregation of Revenue The schedule below presents noninterest income and net revenue by our operating business segments for the three months ended March 31, 2022 and 2021. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Zions Bank Amegy CB&T (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 15 $ 11 $ 11 $ 10 $ 7 $ 6 Card fees 13 13 8 6 5 4 Retail and business banking fees 6 5 4 4 3 3 Capital markets and foreign exchange fees — — — — — — Wealth management fees 6 5 4 3 1 1 Other customer-related fees 2 1 1 1 1 1 Total noninterest income from contracts with customers (ASC 606) 42 35 28 24 17 15 Other noninterest income (non-ASC 606 customer-related) 4 5 9 8 6 8 Total customer-related noninterest income 46 40 37 32 23 23 Other noncustomer-related noninterest income — (1) — — 1 1 Total noninterest income 46 39 37 32 24 24 Other real estate owned gain from sale — — — — — — Net interest income 157 157 112 116 129 131 Total income less interest expense $ 203 $ 196 $ 149 $ 148 $ 153 $ 155 NBAZ NSB Vectra (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 2 $ 2 $ 3 $ 2 $ 2 $ 2 Card fees 4 2 3 3 2 1 Retail and business banking fees 2 2 3 3 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) 9 7 10 9 6 5 Other noninterest income (non-ASC 606 customer-related) 1 4 2 4 2 3 Total customer-related noninterest income 10 11 12 13 8 8 Other noncustomer-related noninterest income 1 — — — — — Total noninterest income 11 11 12 13 8 8 Other real estate owned gain from sale — — — — — — Net interest income 51 52 37 37 33 34 Total income less interest expense $ 62 $ 63 $ 49 $ 50 $ 41 $ 42 TCBW Other Consolidated Bank (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 1 $ 1 $ — $ (2) $ 41 $ 32 Card fees — — 1 — 36 29 Retail and business banking fees — — — (1) 19 17 Capital markets and foreign exchange fees — — 1 2 1 2 Wealth management fees — — — — 13 11 Other customer-related fees — — 9 7 14 11 Total noninterest income from contracts with customers (ASC 606) 1 1 11 6 124 102 Other noninterest income (non-ASC 606 customer-related) — — 3 (1) 27 31 Total customer-related noninterest income 1 1 14 5 151 133 Other noncustomer-related noninterest income — — (11) 36 (9) 36 Total noninterest income 1 1 3 41 142 169 Other real estate owned gain from sale — — — — — — Net interest income 14 13 11 5 544 545 Total income less interest expense $ 15 $ 14 $ 14 $ 46 $ 686 $ 714 Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is typically not significant.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2022
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The effective income tax rate was 20.4% for the first quarter of 2022, compared with 21.7% for the first quarter of 2021. These rates were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance (“BOLI”), and were increased by the non-deductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation plans, and other fringe benefits. The tax rate for the first quarter 2022 was lower than the tax rate for the same prior year period, primarily as a result of the proportional increase in nontaxable items and tax credits relative to pretax book income. At March 31, 2022, we had a net deferred tax asset (“DTA”) totaling $467 million, compared with $96 million at December 31, 2021. On the consolidated balance sheet, the net DTA is included in “Other assets.” The increase in the net DTA was driven largely by the increase in unrealized losses in AOCI associated with investment securities and derivative instruments, and was partially offset by the negative provision for credit losses and a decrease in deferred compensation.

Net Earnings Per Common Share

Net Earnings Per Common Share	3 Months Ended
	Mar. 31, 2022
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 (In millions, except shares and per share amounts) 2022 2021 Basic: Net income $ 203 $ 322 Less common and preferred dividends 66 64 Undistributed earnings 137 258 Less undistributed earnings applicable to nonvested shares 1 2 Undistributed earnings applicable to common shares 136 256 Distributed earnings applicable to common shares 57 56 Total earnings applicable to common shares $ 193 $ 312 Weighted average common shares outstanding (in thousands) 151,285 163,551 Net earnings per common share $ 1.27 $ 1.90 Diluted: Total earnings applicable to common shares $ 193 $ 312 Weighted average common shares outstanding (in thousands) 151,285 163,551 Dilutive effect of stock options (in thousands) 402 336 Weighted average diluted common shares outstanding (in thousands) 151,687 163,887 Net earnings per common share $ 1.27 $ 1.90 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 (In thousands) 2022 2021 Restricted stock and restricted stock units 1,339 1,414 Stock options 109 377

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations 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. 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 March 31, 2022, 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 82 branches in California. NBAZ operated 56 branches in Arizona. NSB operated 43 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. Transactions between business segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. The following schedule presents 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 March 31, 2022 and 2021: Zions Bank Amegy CB&T (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 157 $ 157 $ 112 $ 116 $ 129 $ 131 Provision for credit losses (2) (11) (27) (53) 6 (37) Net interest income after provision for credit losses 159 168 139 169 123 168 Noninterest income 46 39 37 32 24 24 Noninterest expense 123 117 86 85 84 80 Income (loss) before income taxes $ 82 $ 90 $ 90 $ 116 $ 63 $ 112 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 12,817 $ 13,730 $ 11,795 $ 12,704 $ 12,845 $ 13,051 Total average deposits 26,120 21,711 16,413 14,243 16,468 15,183 NBAZ NSB Vectra (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 51 $ 52 $ 37 $ 37 $ 33 $ 34 Provision for credit losses (4) (10) (3) (18) (4) — Net interest income after provision for credit losses 55 62 40 55 37 34 Noninterest income 11 11 12 13 8 8 Noninterest expense 40 38 37 36 30 28 Income (loss) before income taxes $ 26 $ 35 $ 15 $ 32 $ 15 $ 14 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,774 $ 5,108 $ 2,817 $ 3,247 $ 3,398 $ 3,451 Total average deposits 7,953 6,544 7,437 6,069 4,298 4,279 TCBW Other Consolidated Bank (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 14 $ 13 $ 11 $ 5 $ 544 $ 545 Provision for credit losses — (3) 1 — (33) (132) Net interest income after provision for credit losses 14 16 10 5 577 677 Noninterest income 1 1 3 41 142 169 Noninterest expense 6 6 58 45 464 435 Income (loss) before income taxes $ 9 $ 11 $ (45) $ 1 $ 255 $ 411 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,591 $ 1,573 $ 896 $ 801 $ 50,933 $ 53,665 Total average deposits 1,581 1,398 1,335 2,019 81,605 71,446

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Policies)	3 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Recent Accounting Pronouncements and Developments	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new guidance also requires public companies to present current-period gross write-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new guidance is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have established an implementation team to ensure that the necessary data is captured in order to comply with the new disclosure requirements. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new guidance.
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 2021 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.

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Tables)	3 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Accounting Standards Update and Change in Accounting Principle	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new guidance also requires public companies to present current-period gross write-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new guidance is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have established an implementation team to ensure that the necessary data is captured in order to comply with the new disclosure requirements. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new guidance.

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2022
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) March 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 503 $ 23,799 $ — $ 24,302 Municipal securities 1,768 1,768 Other debt securities 75 75 Total available-for-sale 503 25,642 — 26,145 Trading account 15 367 382 Other noninterest-bearing investments: Bank-owned life insurance 538 538 Private equity investments 1 13 74 87 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 131 131 Derivatives: Derivatives designated as hedges 29 29 Derivatives not designated as hedges 90 90 Total assets $ 662 $ 26,666 $ 86 $ 27,414 LIABILITIES Securities sold, not yet purchased $ 101 $ — $ — $ 101 Other liabilities: Derivatives: Derivatives not designated as hedges 179 179 Total liabilities $ 101 $ 179 $ — $ 280 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are now publicly traded. (In millions) December 31, 2021 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 134 $ 22,144 $ — $ 22,278 Municipal securities 1,694 1,694 Other debt securities 76 76 Total available-for-sale 134 23,914 — 24,048 Trading account 14 358 372 Other noninterest-bearing investments: Bank-owned life insurance 537 537 Private equity investments 1 35 66 101 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 138 138 Derivatives: Derivatives designated as hedges 10 10 Derivatives not designated as hedges 209 209 Total assets $ 321 $ 25,028 $ 78 $ 25,427 LIABILITIES Securities sold, not yet purchased $ 254 $ — $ — $ 254 Other liabilities: Derivatives: Derivatives not designated as hedges 51 51 Total liabilities $ 254 $ 51 $ — $ 305 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are now publicly traded.
Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs	The following schedule presents a rollforward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments Three Months Ended March 31, 2022 March 31, 2021 (In millions) Private equity investments Ag loan servicing & interest only strips Private equity investments Ag loan servicing & interest only strips Balance at beginning of period $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net 5 — 1 — Other noninterest income (expense) — — — (1) Purchases 6 — 4 — Cost of investments sold (3) — (2) — Balance at end of period $ 74 $ 12 $ 83 $ 15
Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement	The rollforward Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2022 March 31, 2021 Securities gains (losses), net $ (2) $ (1)
Schedule of Carrying Values and Estimated Fair Values	ollowing schedule summarizes of the carrying values and estimated fair values of certain financial instruments: March 31, 2022 December 31, 2021 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: HTM investment securities $ 439 $ 414 2 $ 441 $ 443 2 Loans and leases (including loans held for sale), net of allowance 50,807 49,837 3 50,421 50,619 3 Financial liabilities: Time deposits 1,550 1,538 2 1,622 1,624 2 Long-term debt 689 699 2 1,012 1,034 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2022
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	Gross and net information for selected financial instruments in the balance sheet is as follows: March 31, 2022 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 $ 2,345 $ — $ 2,345 $ — $ — $ 2,345 Derivatives (included in other assets) 119 — 119 (8) (65) 46 Total assets $ 2,464 $ — $ 2,464 $ (8) $ (65) $ 2,391 Liabilities: Federal funds purchased and other short-term borrowings $ 638 $ — $ 638 $ — $ — $ 638 Derivatives (included in other liabilities) 179 — 179 (8) — 171 Total liabilities $ 817 $ — $ 817 $ (8) $ — $ 809 December 31, 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 $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in other assets) 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds purchased and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in other liabilities) 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937
Schedule of Offsetting Assets and Liabilities	Gross and net information for selected financial instruments in the balance sheet is as follows: March 31, 2022 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 $ 2,345 $ — $ 2,345 $ — $ — $ 2,345 Derivatives (included in other assets) 119 — 119 (8) (65) 46 Total assets $ 2,464 $ — $ 2,464 $ (8) $ (65) $ 2,391 Liabilities: Federal funds purchased and other short-term borrowings $ 638 $ — $ 638 $ — $ — $ 638 Derivatives (included in other liabilities) 179 — 179 (8) — 171 Total liabilities $ 817 $ — $ 817 $ (8) $ — $ 809 December 31, 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 $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in other assets) 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds purchased and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in other liabilities) 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937

Investments (Tables)

Investments (Tables)	3 Months Ended
	Mar. 31, 2022
Investments [Abstract]
Summary of Investment Securities	The following schedule summarizes the amortized cost and estimated fair values of our HTM and AFS securities: March 31, 2022 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 439 $ — $ 25 $ 414 Available-for-sale U.S. Treasury securities 557 — 54 503 U.S. Government agencies and corporations: Agency securities 802 — 10 792 Agency guaranteed mortgage-backed securities 23,626 9 1,553 22,082 Small Business Administration loan-backed securities 950 2 27 925 Municipal securities 1,828 6 66 1,768 Other debt securities 75 — — 75 Total available-for-sale 27,838 17 1,710 26,145 Total HTM and AFS investment securities $ 28,277 $ 17 $ 1,735 $ 26,559 December 31, 2021 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity Municipal securities $ 441 $ 4 $ 2 $ 443 Available-for-sale U.S. Treasury securities 155 — 21 134 U.S. Government agencies and corporations: Agency securities 833 13 1 845 Agency guaranteed mortgage-backed securities 20,549 108 270 20,387 Small Business Administration loan-backed securities 938 2 28 912 Municipal securities 1,652 46 4 1,694 Other debt securities 75 1 — 76 Total available-for-sale 24,202 170 324 24,048 Total HTM and AFS investment securities $ 24,643 $ 174 $ 326 $ 24,491
Contractual Maturities Debt Securities	The following schedule shows the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at March 31, 2022. 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. March 31, 2022 Total 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 $ 439 3.02 % $ 29 2.71 % $ 139 3.19 % $ 176 2.71 % $ 95 3.41 % Available-for-sale U.S. Treasury securities 557 2.05 — — — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 802 2.06 31 0.84 317 1.50 292 2.37 162 2.83 Agency guaranteed mortgage-backed securities 23,626 1.70 — — 442 1.49 1,824 1.84 21,360 1.69 Small Business Administration loan-backed securities 950 1.38 — — 47 1.30 184 2.18 719 1.18 Municipal securities 1 1,828 2.37 106 2.18 683 2.59 638 2.10 401 2.47 Other debt securities 75 2.17 — — — — 60 1.99 15 2.91 Total available-for-sale securities 27,838 1.75 137 1.88 1,489 1.99 2,998 1.97 23,214 1.70 Total HTM and AFS investment securities $ 28,277 1.77 % $ 166 2.02 % $ 1,628 2.09 % $ 3,174 2.01 % $ 23,309 1.71 % 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: March 31, 2022 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 12 $ 224 $ 13 $ 92 $ 25 $ 316 Available-for-sale U.S. Treasury securities 15 386 39 117 54 503 U.S. Government agencies and corporations: Agency securities 10 660 — — 10 660 Agency guaranteed mortgage-backed securities 1,152 17,185 401 3,874 1,553 21,059 Small Business Administration loan-backed securities — 27 27 693 27 720 Municipal securities 55 1,067 11 89 66 1,156 Other — 15 — — — 15 Total available-for-sale 1,232 19,340 478 4,773 1,710 24,113 Total HTM and AFS investment securities $ 1,244 $ 19,564 $ 491 $ 4,865 $ 1,735 $ 24,429 December 31, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Held-to-maturity Municipal securities $ 1 $ 88 $ 1 $ 68 $ 2 $ 156 Available-for-sale U.S. Treasury securities — — 21 134 21 134 U.S. Government agencies and corporations: Agency securities 1 121 — 1 1 122 Agency guaranteed mortgage-backed securities 231 13,574 39 942 270 14,516 Small Business Administration loan-backed securities — 27 28 749 28 776 Municipal securities 4 327 — 8 4 335 Other — — — — — — Total available-for-sale 236 14,049 88 1,834 324 15,883 Total HTM and AFS investment securities $ 237 $ 14,137 $ 89 $ 1,902 $ 326 $ 16,039
Held-to-maturity Year of Issuance and Risk Grade	The amortized cost basis of HTM securities categorized by year acquired is summarized in the following schedule: March 31, 2022 Amortized cost basis by year acquired (In millions) 2022 2021 2020 2019 2018 Prior Total Securities Held-to-maturity $ 17 $ 101 $ 122 $ 10 $ — $ 189 $ 439
Gains and Losses, Including OTTI, Recognized in Statement of Income	The following schedule summarizes securities gains and losses recognized in the income statement: Three Months Ended March 31, 2022 2021 (In millions) Gross gains Gross losses Gross gains Gross losses Other noninterest-bearing investments $ 3 $ 20 $ 14 $ 3 Net gains (losses) 1 $ (17) $ 11 1 Net gains (losses) were recognized in securities gains (losses) in the income statement.
Interest Income by Security Type	The following schedule presents interest income by security type: Three Months Ended March 31, 2022 2021 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 2 $ 1 $ 3 $ 3 $ 2 $ 5 Available-for-sale 96 8 104 57 7 64 Trading — 5 5 — 2 2 Total securities $ 98 $ 14 $ 112 $ 60 $ 11 $ 71

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	Loans and leases are summarized as follows according to major portfolio segment and specific loan class: (In millions) March 31, December 31, Loans held for sale $ 43 $ 83 Commercial: Commercial and industrial $ 14,356 $ 13,867 PPP 1,081 1,855 Leasing 318 327 Owner-occupied 9,026 8,733 Municipal 3,944 3,658 Total commercial 28,725 28,440 Commercial real estate: Construction and land development 2,769 2,757 Term 9,325 9,441 Total commercial real estate 12,094 12,198 Consumer: Home equity credit line 3,089 3,016 1-4 family residential 6,122 6,050 Construction and other consumer real estate 692 638 Bankcard and other revolving plans 410 396 Other 110 113 Total consumer 10,423 10,213 Total loans and leases $ 51,242 $ 50,851
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: Three Months Ended March 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses (24) (5) — (29) Gross loan and lease charge-offs 13 — 4 17 Recoveries 8 — 3 11 Net loan and lease charge-offs (recoveries) 5 — 1 6 Balance at end of period $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (5) 1 — (4) Balance at end of period $ 14 $ 12 $ 10 $ 36 Total allowance for credit losses at end of period Allowance for loan losses $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments 14 12 10 36 Total allowance for credit losses $ 296 $ 114 $ 104 $ 514 Three Months Ended March 31, 2021 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 464 $ 171 $ 142 $ 777 Provision for loan losses (94) (19) (10) (123) Gross loan and lease charge-offs 18 — 3 21 Recoveries 10 — 3 13 Net loan and lease charge-offs (recoveries) 8 — — 8 Balance at end of period $ 362 $ 152 $ 132 $ 646 Reserve for unfunded lending commitments Balance at beginning of period $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (6) (3) — (9) Balance at end of period $ 24 $ 17 $ 8 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 362 $ 152 $ 132 $ 646 Reserve for unfunded lending commitments 24 17 8 49 Total allowance for credit losses $ 386 $ 169 $ 140 $ 695
Summary of Nonaccrual Loans	The amortized cost basis of loans on nonaccrual status is summarized as follows: March 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 20 $ 92 $ 112 $ 38 PPP — 2 2 — Owner-occupied 33 20 53 2 Total commercial 53 114 167 40 Commercial real estate: Term 5 15 20 3 Total commercial real estate 5 15 20 3 Consumer: Home equity credit line 4 9 13 1 1-4 family residential 8 43 51 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 12 53 65 7 Total $ 70 $ 182 $ 252 $ 50 December 31, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 30 $ 94 $ 124 $ 34 PPP 2 1 3 — Owner-occupied 37 20 57 3 Total commercial 69 115 184 37 Commercial real estate: Term 6 14 20 3 Total commercial real estate 6 14 20 3 Consumer: Home equity credit line 4 10 14 2 1-4 family residential 9 43 52 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 13 54 67 8 Total $ 88 $ 183 $ 271 $ 48 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 (In millions) 2022 2021 Commercial $ 4 $ 3 Commercial real estate — 1 Consumer — — Total $ 4 $ 4
Summary of Past Due Loans (Accruing and Nonaccruing)	Past due loans (accruing and nonaccruing) are summarized as follows: March 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 14,285 $ 49 $ 22 $ 71 $ 14,356 $ 1 $ 89 PPP 1,053 26 2 28 1,081 — — Leasing 317 1 — 1 318 — — Owner-occupied 9,001 13 12 25 9,026 — 40 Municipal 3,944 — — — 3,944 — — Total commercial 28,600 89 36 125 28,725 1 129 Commercial real estate: Construction and land development 2,769 — — — 2,769 — — Term 9,320 1 4 5 9,325 1 17 Total commercial real estate 12,089 1 4 5 12,094 1 17 Consumer: Home equity credit line 3,083 3 3 6 3,089 — 10 1-4 family residential 6,090 11 21 32 6,122 — 21 Construction and other consumer real estate 692 — — — 692 — — Bankcard and other revolving plans 408 1 1 2 410 1 — Other 109 1 — 1 110 — — Total consumer loans 10,382 16 25 41 10,423 1 31 Total $ 51,071 $ 106 $ 65 $ 171 $ 51,242 $ 3 $ 177 December 31, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,822 $ 17 $ 28 $ 45 $ 13,867 $ 2 $ 91 PPP 1,813 35 7 42 1,855 5 — Leasing 327 — — — 327 — — Owner-occupied 8,712 7 14 21 8,733 — 42 Municipal 3,658 — — — 3,658 — — Total commercial 28,332 59 49 108 28,440 7 133 Commercial real estate: Construction and land development 2,757 — — — 2,757 — — Term 9,426 10 5 15 9,441 — 15 Total commercial real estate 12,183 10 5 15 12,198 — 15 Consumer: Home equity credit line 3,008 4 4 8 3,016 — 10 1-4 family residential 6,018 6 26 32 6,050 — 24 Construction and other consumer real estate 638 — — — 638 — — Bankcard and other revolving plans 393 2 1 3 396 1 — Other 112 1 — 1 113 — — Total consumer loans 10,169 13 31 44 10,213 1 34 Total $ 50,684 $ 82 $ 85 $ 167 $ 50,851 $ 8 $ 182 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 amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management are summarized as follows. March 31, 2022 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) 2022 2021 2020 2019 2018 Prior Total Commercial: Commercial and industrial Pass $ 669 $ 2,455 $ 1,257 $ 1,095 $ 700 $ 452 $ 6,851 $ 158 $ 13,637 Special Mention — 5 13 4 13 45 97 1 178 Accruing Substandard — 30 21 115 44 87 124 8 429 Nonaccrual — 13 9 6 1 19 49 15 112 Total commercial and industrial 669 2,503 1,300 1,220 758 603 7,121 182 14,356 PPP Pass — 778 301 — — — — — 1,079 Nonaccrual — — 2 — — — — — 2 Total PPP — 778 303 — — — — — 1,081 Leasing Pass 2 55 70 64 60 55 — — 306 Special Mention — — — 5 1 1 — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 2 55 70 69 61 61 — — 318 Owner-occupied Pass 602 2,447 1,311 1,013 810 2,183 193 70 8,629 Special Mention — 8 12 20 22 65 3 3 133 Accruing Substandard 5 6 28 29 47 91 5 — 211 Nonaccrual — — 2 13 9 25 4 — 53 Total owner-occupied 607 2,461 1,353 1,075 888 2,364 205 73 9,026 Municipal Pass 428 1,279 939 529 208 527 4 — 3,914 Special Mention — — — — — 25 — — 25 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total municipal 428 1,279 939 529 208 557 4 — 3,944 Total commercial 1,706 7,076 3,965 2,893 1,915 3,585 7,330 255 28,725 Commercial real estate: Construction and land development Pass 75 695 811 386 61 27 674 36 2,765 Special Mention — — — 1 — — — — 1 Accruing Substandard — — 3 — — — — — 3 Nonaccrual — — — — — — — — — Total construction and land development 75 695 814 387 61 27 674 36 2,769 Term Pass 627 2,297 1,604 1,297 994 1,795 189 215 9,018 Special Mention — 22 — — — 15 — 1 38 Accruing Substandard 8 9 39 43 95 55 — — 249 Nonaccrual — — 1 5 1 13 — — 20 Total term 635 2,328 1,644 1,345 1,090 1,878 189 216 9,325 Total commercial real estate 710 3,023 2,458 1,732 1,151 1,905 863 252 12,094 March 31, 2022 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) 2022 2021 2020 2019 2018 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,982 91 3,073 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 6 13 Total home equity credit line — — — — — — 2,992 97 3,089 1-4 family residential Pass 470 1,384 982 677 428 2,128 — — 6,069 Special Mention — — — — — — — — — Accruing Substandard — — — 1 — 1 — — 2 Nonaccrual — 1 3 4 2 41 — — 51 Total 1-4 family residential 470 1,385 985 682 430 2,170 — — 6,122 Construction and other consumer real estate Pass 55 382 186 43 18 8 — — 692 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 55 382 186 43 18 8 — — 692 Bankcard and other revolving plans Pass — — — — — — 401 6 407 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 404 6 410 Other consumer Pass 20 45 19 14 7 5 — — 110 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 20 45 19 14 7 5 — — 110 Total consumer 545 1,812 1,190 739 455 2,183 3,396 103 10,423 Total loans $ 2,961 $ 11,911 $ 7,613 $ 5,364 $ 3,521 $ 7,673 $ 11,589 $ 610 $ 51,242 December 31, 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 2016 Prior Total Commercial: Commercial and industrial Pass $ 2,561 $ 1,309 $ 1,179 $ 748 $ 354 $ 239 $ 6,594 $ 121 $ 13,105 Special Mention 4 17 9 12 1 3 128 1 175 Accruing Substandard 28 22 99 53 31 65 162 3 463 Nonaccrual 14 10 6 3 1 21 51 18 124 Total commercial and industrial 2,607 1,358 1,293 816 387 328 6,935 143 13,867 PPP Pass 1,317 535 — — — — — — 1,852 Nonaccrual — 3 — — — — — — 3 Total PPP 1,317 538 — — — — — — 1,855 Leasing Pass 46 74 70 64 42 19 — — 315 Special Mention — 1 4 1 1 — — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 46 75 74 65 43 24 — — 327 Owner-occupied Pass 2,420 1,366 1,028 868 695 1,663 177 69 8,286 Special Mention 10 13 19 32 18 50 3 3 148 Accruing Substandard 14 24 41 47 24 79 13 — 242 Nonaccrual — 4 14 9 9 20 1 — 57 Total owner-occupied 2,444 1,407 1,102 956 746 1,812 194 72 8,733 Municipal Pass 1,303 963 553 250 327 220 3 — 3,619 Special Mention — — — — — 25 — — 25 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 1,303 972 553 250 327 250 3 — 3,658 Total commercial 7,717 4,350 3,022 2,087 1,503 2,414 7,132 215 28,440 Commercial real estate: Construction and land development Pass 640 736 515 94 24 2 650 64 2,725 Special Mention — — 1 — — — — — 1 Accruing Substandard — 3 28 — — — — — 31 Nonaccrual — — — — — — — — — Total construction and land development 640 739 544 94 24 2 650 64 2,757 Term Pass 2,407 1,765 1,491 1,066 529 1,401 239 179 9,077 Special Mention 22 39 10 17 8 25 — 4 125 Accruing Substandard 9 9 44 77 14 64 — 2 219 Nonaccrual — 1 5 1 — 13 — — 20 Total term 2,438 1,814 1,550 1,161 551 1,503 239 185 9,441 Total commercial real estate 3,078 2,553 2,094 1,255 575 1,505 889 249 12,198 December 31, 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 2016 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,903 96 2,999 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 7 14 Total home equity credit line — — — — — — 2,913 103 3,016 1-4 family residential Pass 1,391 1,021 728 484 681 1,691 — — 5,996 Special Mention — — — — — — — — — Accruing Substandard — — 1 — — 1 — — 2 Nonaccrual — 3 3 3 9 34 — — 52 Total 1-4 family residential 1,391 1,024 732 487 690 1,726 — — 6,050 Construction and other consumer real estate Pass 295 232 73 27 4 7 — — 638 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 295 232 73 27 4 7 — — 638 Bankcard and other revolving plans Pass — — — — — — 391 3 394 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 393 3 396 Other consumer Pass 58 23 17 9 4 2 — — 113 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 58 23 17 9 4 2 — — 113 Total consumer 1,744 1,279 822 523 698 1,735 3,306 106 10,213 Total loans $ 12,539 $ 8,182 $ 5,938 $ 3,865 $ 2,776 $ 5,654 $ 11,327 $ 570 $ 50,851
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: March 31, 2022 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 $ 19 $ 10 $ — $ — $ 4 $ 4 $ 37 Owner-occupied 1 4 — 9 14 9 37 Municipal — 10 — — — — 10 Total commercial 20 24 — 9 18 13 84 Commercial real estate: Term 1 29 — 27 41 8 106 Total commercial real estate 1 29 — 27 41 8 106 Consumer: Home equity credit line — — 5 — — 2 7 1-4 family residential 3 1 2 — 1 12 19 Total consumer loans 3 1 7 — 1 14 26 Total accruing 24 54 7 36 60 35 216 Nonaccruing Commercial: Commercial and industrial 1 3 — 11 7 36 58 Owner-occupied 9 — — — — 12 21 Total commercial 10 3 — 11 7 48 79 Commercial real estate: Term — — — 11 2 3 16 Total commercial real estate — — — 11 2 3 16 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — — 3 4 Total consumer loans — 1 1 — — 3 5 Total nonaccruing 10 4 1 22 9 54 100 Total $ 34 $ 58 $ 8 $ 58 $ 69 $ 89 $ 316 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 the previous modification types reflected in the schedule. December 31, 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 $ 19 $ 1 $ — $ — $ 4 $ 7 $ 31 Owner-occupied 5 4 — 8 14 12 43 Municipal — 10 — — — — 10 Total commercial 24 15 — 8 18 19 84 Commercial real estate: Term 1 29 — 27 41 8 106 Total commercial real estate 1 29 — 27 41 8 106 Consumer: Home equity credit line — 1 5 — — 2 8 1-4 family residential 5 1 2 — 1 14 23 Total consumer loans 5 2 7 — 1 16 31 Total accruing 30 46 7 35 60 43 221 Nonaccruing Commercial: Commercial and industrial 1 4 — 2 8 49 64 Owner-occupied 5 — — 2 — 13 20 Total commercial 6 4 — 4 8 62 84 Commercial real estate: Term — — — 11 2 3 16 Total commercial real estate — — — 11 2 3 16 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 3 — 4 Total consumer loans — 1 1 — 3 — 5 Total nonaccruing 6 5 1 15 13 65 105 Total $ 36 $ 51 $ 8 $ 50 $ 73 $ 108 $ 326 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 the previous modification types reflected in the schedule.
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: March 31, 2022 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 8 Single family residential 39% Owner-occupied 8 Office building 40% Commercial real estate: Term 2 Multi-family 37% Consumer: Home equity credit line 4 Single family residential 35% 1-4 family residential 2 Single family residential 38% Total $ 24 December 31, 2021 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 27 Corporate assets, Single family residential 55% Owner-occupied 11 Office Building 40% Commercial real estate: Term 2 Multi-family, Retail 28% Consumer: Home equity credit line 5 Single family residential 45% 1-4 family residential 2 Single family residential 35% 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)	3 Months Ended
	Mar. 31, 2022
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	Certain information with respect to notional amounts and recorded gross fair values at March 31, 2022 and December 31, 2021, and the related gain (loss) of derivative instruments is summarized as follows: March 31, 2022 December 31, 2021 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 $ 6,041 $ — $ — $ 6,883 $ — $ — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 990 29 — 479 10 — Total derivatives designated as hedging instruments 7,531 29 — 7,862 10 — Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives 1 6,604 41 170 6,587 192 36 Offsetting interest rate derivatives 2 6,604 175 43 6,587 38 197 Other interest rate derivatives 1,067 6 1 1,286 6 1 Foreign exchange derivatives 380 4 3 288 3 2 Total derivatives not designated as hedging instruments 14,655 226 217 14,748 239 236 Total derivatives $ 22,186 $ 255 $ 217 $ 22,610 $ 249 $ 236 1 Customer-facing interest rate derivatives include a net credit valuation adjustment (“CVA”) of $3 million, reducing the fair value of the liability at March 31, 2022, and $3 million, reducing the fair value of the asset at December 31, 2021. 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: March 31, 2022 December 31, 2021 (In millions) Other assets Other liabilities Other assets Other liabilities Offsetting interest rate derivatives $ 39 $ 5 $ 8 $ 12
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 other comprehensive income (“OCI”) or recognized in earnings for the three months ended March 31, 2022 and 2021 is shown in the schedules below. Three Months Ended March 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 2 $ — $ — Interest rate swaps (178) — 12 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 2 — Basis amortization on terminated hedges 2, 3 — — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (178) $ — $ 14 $ 2 $ — Three Months Ended March 31, 2021 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 3 $ — $ — Interest rate swaps (5) — 12 — — 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 $ (5) $ — $ 15 $ 4 $ — 1 For the 12 months following March 31, 2022, we estimate that $26 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $57 million of gains as of March 31, 2021. 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 March 31, 2022 is $0 and $7 million of terminated fair value debt and asset hedges, respectively, compared with $9 million and $7 million as of March 31, 2021. The remaining basis adjustment for terminated fair value debt hedges was fully amortized during the first quarter of 2022. 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 March 31, 2022 Three Months Ended Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ (268) $ (182) Offsetting interest rate derivatives 281 206 Other interest rate derivatives 1 (4) Foreign exchange derivatives 6 5 Total derivatives not designated as hedging instruments $ 20 $ 25
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 March 31, 2022 Three Months Ended March 31, 2021 (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 $ (32) $ 32 $ — $ (35) $ 35 $ — Assets: Pay-fixed interest rate swaps 1, 2 53 (53) — 48 (48) — 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.
Schedule of Basis Adjustments for 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) March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Long-term fixed-rate debt $ (500) $ (500) $ (474) $ (507) $ 26 $ (7) Fixed-rate AFS securities 990 479 894 435 (96) (44) 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)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Lease Related Assets and Liabilities	The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2021 Operating leases ROU assets, net of amortization $ 188 $ 195 Lease liabilities 215 222 Financing leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.5 8.5 Finance leases 18.1 18.3 Weighted average discount rate Operating leases 2.8 % 2.8 % Finance leases 3.1 % 3.1 %
Lease Expense	Additional information related to lease expense is presented below: Three Months Ended March 31, (In millions) 2022 2021 Lease expense: Operating lease expense $ 12 $ 12 Other expenses associated with operating leases 1 12 12 Total lease expense $ 24 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance.
Lease Maturity Analysis	Total contractual undiscounted lease payments for operating lease liabilities are summarized in the following schedule by expected due date: (In millions) Total undiscounted lease payments 2022 1 $ 37 2023 45 2024 36 2025 26 2026 21 Thereafter 83 Total $ 248 1 Contractual maturities for the nine months remaining in 2022.

Long-Term Debt and Shareholde_2

Long-Term Debt and Shareholders' Equity (Tables)	3 Months Ended
	Mar. 31, 2022
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) March 31, December 31, 2021 Amount change Percent change Subordinated notes $ 557 $ 590 $ (33) (6) % Senior notes 128 418 (290) (69) Finance lease obligations 4 4 — — Total $ 689 $ 1,012 $ (323) (32) %
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 Three Months Ended March 31, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (1,121) (135) — (1,256) Amounts reclassified from AOCI, net of tax — (10) — (10) Other comprehensive loss (1,121) (145) — (1,266) Balance at March 31, 2022 $ (1,199) $ (145) $ (2) $ (1,346) Income tax benefit included in OCI (loss) $ (363) $ (47) $ — $ (410) Three Months Ended March 31, 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 OCI (loss) before reclassifications, net of tax (165) (1) — (166) Amounts reclassified from AOCI, net of tax — (11) — (11) Other comprehensive income (loss) (165) (12) — (177) Balance at March 31, 2021 $ 93 $ 57 $ (2) $ 148 Income tax benefit included in OCI (loss) $ (53) $ (4) $ — $ (57)
Reclassification out of Accumulated Other Comprehensive Income	Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Details about AOCI components 2022 2021 Affected line item Net unrealized gains on derivative instruments $ 14 $ 15 SI Interest and fees on loans Income tax expense 4 4 Amounts reclassified from AOCI $ 10 $ 11 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and _2

Commitments, Guarantees, and Contingent Liabilities (Tables)	3 Months Ended
	Mar. 31, 2022
Guarantees, Commitments And Contingencies [Abstract]
Schedule of Off Balance Sheet Financial Instruments	Off-balance sheet financial obligations used to meet the financing needs of our customers include the following: (In millions) March 31, December 31, Unfunded lending commitments 1 $ 26,391 $ 25,797 Standby letters of credit: Financial 589 597 Performance 255 245 Commercial letters of credit 18 22 Total unfunded commitments $ 27,253 $ 26,661 1 Net of participations.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	3 Months Ended
	Mar. 31, 2022
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The schedule below presents noninterest income and net revenue by our operating business segments for the three months ended March 31, 2022 and 2021. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Zions Bank Amegy CB&T (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 15 $ 11 $ 11 $ 10 $ 7 $ 6 Card fees 13 13 8 6 5 4 Retail and business banking fees 6 5 4 4 3 3 Capital markets and foreign exchange fees — — — — — — Wealth management fees 6 5 4 3 1 1 Other customer-related fees 2 1 1 1 1 1 Total noninterest income from contracts with customers (ASC 606) 42 35 28 24 17 15 Other noninterest income (non-ASC 606 customer-related) 4 5 9 8 6 8 Total customer-related noninterest income 46 40 37 32 23 23 Other noncustomer-related noninterest income — (1) — — 1 1 Total noninterest income 46 39 37 32 24 24 Other real estate owned gain from sale — — — — — — Net interest income 157 157 112 116 129 131 Total income less interest expense $ 203 $ 196 $ 149 $ 148 $ 153 $ 155 NBAZ NSB Vectra (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 2 $ 2 $ 3 $ 2 $ 2 $ 2 Card fees 4 2 3 3 2 1 Retail and business banking fees 2 2 3 3 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) 9 7 10 9 6 5 Other noninterest income (non-ASC 606 customer-related) 1 4 2 4 2 3 Total customer-related noninterest income 10 11 12 13 8 8 Other noncustomer-related noninterest income 1 — — — — — Total noninterest income 11 11 12 13 8 8 Other real estate owned gain from sale — — — — — — Net interest income 51 52 37 37 33 34 Total income less interest expense $ 62 $ 63 $ 49 $ 50 $ 41 $ 42 TCBW Other Consolidated Bank (In millions) 2022 2021 2022 2021 2022 2021 Commercial account fees $ 1 $ 1 $ — $ (2) $ 41 $ 32 Card fees — — 1 — 36 29 Retail and business banking fees — — — (1) 19 17 Capital markets and foreign exchange fees — — 1 2 1 2 Wealth management fees — — — — 13 11 Other customer-related fees — — 9 7 14 11 Total noninterest income from contracts with customers (ASC 606) 1 1 11 6 124 102 Other noninterest income (non-ASC 606 customer-related) — — 3 (1) 27 31 Total customer-related noninterest income 1 1 14 5 151 133 Other noncustomer-related noninterest income — — (11) 36 (9) 36 Total noninterest income 1 1 3 41 142 169 Other real estate owned gain from sale — — — — — — Net interest income 14 13 11 5 544 545 Total income less interest expense $ 15 $ 14 $ 14 $ 46 $ 686 $ 714

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2022
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 (In millions, except shares and per share amounts) 2022 2021 Basic: Net income $ 203 $ 322 Less common and preferred dividends 66 64 Undistributed earnings 137 258 Less undistributed earnings applicable to nonvested shares 1 2 Undistributed earnings applicable to common shares 136 256 Distributed earnings applicable to common shares 57 56 Total earnings applicable to common shares $ 193 $ 312 Weighted average common shares outstanding (in thousands) 151,285 163,551 Net earnings per common share $ 1.27 $ 1.90 Diluted: Total earnings applicable to common shares $ 193 $ 312 Weighted average common shares outstanding (in thousands) 151,285 163,551 Dilutive effect of stock options (in thousands) 402 336 Weighted average diluted common shares outstanding (in thousands) 151,687 163,887 Net earnings per common share $ 1.27 $ 1.90
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 (In thousands) 2022 2021 Restricted stock and restricted stock units 1,339 1,414 Stock options 109 377

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information for the three months ended March 31, 2022 and 2021: Zions Bank Amegy CB&T (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 157 $ 157 $ 112 $ 116 $ 129 $ 131 Provision for credit losses (2) (11) (27) (53) 6 (37) Net interest income after provision for credit losses 159 168 139 169 123 168 Noninterest income 46 39 37 32 24 24 Noninterest expense 123 117 86 85 84 80 Income (loss) before income taxes $ 82 $ 90 $ 90 $ 116 $ 63 $ 112 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 12,817 $ 13,730 $ 11,795 $ 12,704 $ 12,845 $ 13,051 Total average deposits 26,120 21,711 16,413 14,243 16,468 15,183 NBAZ NSB Vectra (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 51 $ 52 $ 37 $ 37 $ 33 $ 34 Provision for credit losses (4) (10) (3) (18) (4) — Net interest income after provision for credit losses 55 62 40 55 37 34 Noninterest income 11 11 12 13 8 8 Noninterest expense 40 38 37 36 30 28 Income (loss) before income taxes $ 26 $ 35 $ 15 $ 32 $ 15 $ 14 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,774 $ 5,108 $ 2,817 $ 3,247 $ 3,398 $ 3,451 Total average deposits 7,953 6,544 7,437 6,069 4,298 4,279 TCBW Other Consolidated Bank (In millions) 2022 2021 2022 2021 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 14 $ 13 $ 11 $ 5 $ 544 $ 545 Provision for credit losses — (3) 1 — (33) (132) Net interest income after provision for credit losses 14 16 10 5 577 677 Noninterest income 1 1 3 41 142 169 Noninterest expense 6 6 58 45 464 435 Income (loss) before income taxes $ 9 $ 11 $ (45) $ 1 $ 255 $ 411 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,591 $ 1,573 $ 896 $ 801 $ 50,933 $ 53,665 Total average deposits 1,581 1,398 1,335 2,019 81,605 71,446

Basis of Presentation (Details)

Basis of Presentation (Details)	3 Months Ended
	Mar. 31, 2022statesegment
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states in which entity operates | state	11
Number of bank operating segments | 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	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Investment securities, available-for-sale	$ 26,145	$ 24,048
Trading account	382	372
Total assets	27,414	25,427
LIABILITIES
Securities sold, not yet purchased	101	254
Total liabilities	280	305
U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	24,302	22,278
Municipal securities
ASSETS
Investment securities, available-for-sale	1,768	1,694
Other debt securities
ASSETS
Investment securities, available-for-sale	75	76
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	538	537
Private equity investments
ASSETS
Other noninterest-bearing investments	87	101
Agriculture loan servicing and interest-only strips
ASSETS
Other assets	12	12
Derivatives | Derivatives designated as hedges
ASSETS
Other assets	29	10
Derivatives | Derivatives not designated as hedging instruments
ASSETS
Other assets	90	209
LIABILITIES
Other liabilities	179	51
Level 1
ASSETS
Investment securities, available-for-sale	503	134
Trading account	15	14
Total assets	662	321
LIABILITIES
Securities sold, not yet purchased	101	254
Total liabilities	101	254
Level 1 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	503	134
Level 1 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 1 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 1 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 1 | Private equity investments
ASSETS
Other noninterest-bearing investments	13	35
Level 1 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets
Level 1 | Derivatives | Derivatives designated as hedges
ASSETS
Other assets
Level 1 | Derivatives | Derivatives not designated as hedging instruments
ASSETS
Other assets
LIABILITIES
Other liabilities
Level 2
ASSETS
Investment securities, available-for-sale	25,642	23,914
Trading account	367	358
Total assets	26,666	25,028
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	179	51
Level 2 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	23,799	22,144
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,768	1,694
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	75	76
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	538	537
Level 2 | Private equity investments
ASSETS
Other noninterest-bearing investments
Level 2 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets
Level 2 | Derivatives | Derivatives designated as hedges
ASSETS
Other assets	29	10
Level 2 | Derivatives | Derivatives not designated as hedging instruments
ASSETS
Other assets	90	209
LIABILITIES
Other liabilities	179	51
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading account
Total assets	86	78
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 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 3 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 3 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 3 | Private equity investments
ASSETS
Other noninterest-bearing investments	74	66
Level 3 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets	12	12
Level 3 | Derivatives | Derivatives designated as hedges
ASSETS
Other assets
Level 3 | Derivatives | Derivatives not designated as hedging instruments
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	131	138
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	131	138
Deferred compensation plan assets | Level 2 | Deferred compensation plan assets
ASSETS
Other assets
Deferred compensation plan assets | Level 3 | Deferred compensation plan assets
ASSETS
Other assets

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
	Mar. 31, 2022	Mar. 31, 2021
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	$ 66	$ 80
Unrealized securities gains (losses), net	5	1
Other noninterest income (expense)	0	0
Purchases	6	4
Cost of investments sold	(3)	(2)
Fair value of assets, Ending balance	74	83
Ag loan servicing & interest only strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	12	16
Unrealized securities gains (losses), net	0	0
Other noninterest income (expense)	0	(1)
Purchases	0	0
Cost of investments sold	0	0
Fair value of assets, Ending balance	$ 12	$ 15

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
	Mar. 31, 2022	Mar. 31, 2021
Level 3
Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Line Items]
Securities gains (losses), net	$ (2)	$ (1)

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Mar. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	$ 25,427	$ 27,414
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	25,028	$ 26,666
Level 2 | Fair Value, Nonrecurring | Collateral Dependent Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, fair value	2
Gains (losses) from fair value changes	$ 3

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	$ 414	$ 443
Time deposits	1,550	1,622
Long-term debt	689	1,012
Level 2 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	439	441
Time deposits	1,550	1,622
Long-term debt	689	1,012
Level 2 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
HTM investment securities	414	443
Time deposits	1,538	1,624
Long-term debt	699	1,034
Level 3 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	50,807	50,421
Level 3 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 49,837	$ 50,619

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Gross amounts recognized
Federal funds sold and security resell agreements	$ 2,345	$ 2,133
Derivatives (included in other assets)	119	219
Total assets	2,464	2,352
Federal funds purchased and other short-term borrowings	638	903
Derivatives (included in other liabilities)	179	51
Total liabilities	817	954
Gross amounts offset in the balance sheet
Federal funds sold and security resell agreements	0	0
Derivatives (included in other assets)	0	0
Total assets	0	0
Federal funds purchased and other short-term borrowings	0	0
Derivatives (included in other liabilities)	0	0
Total liabilities	0	0
Net amounts presented in the balance sheet
Federal funds sold and security resell agreements	2,345	2,133
Derivatives (included in other assets)	119	219
Total assets	2,464	2,352
Federal funds purchased and other short-term borrowings	638	903
Derivatives (included in other liabilities)	179	51
Total liabilities	817	954
Gross amounts not offset in the balance sheet, Financial Instruments
Federal funds sold and security resell agreements	0	0
Derivatives (included in other assets)	(8)	(16)
Total assets	(8)	(16)
Federal funds purchased and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(8)	(16)
Total liabilities	(8)	(16)
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)	(65)	(7)
Total assets	(65)	(7)
Federal funds purchased and other short-term borrowings	0	0
Derivatives (included in other liabilities)	0	(1)
Total liabilities	0	(1)
Net amount
Federal funds sold and security resell agreements	2,345	2,133
Derivatives (included in other assets)	46	196
Total assets	2,391	2,329
Federal funds purchased and other short-term borrowings	638	903
Derivatives (included in other liabilities)	171	34
Total liabilities	$ 809	$ 937

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Mar. 31, 2022USD ($)security	Dec. 31, 2021USD ($)security
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 157	$ 161
Number of HTM investment securities in an unrealized loss position | security	455	137
Number of AFS investment securities in an unrealized loss position | security	3,059	1,302
Allowance for credit loss on HTM securities (less than)	$ 1
Carrying value of pledged securities	3,000	$ 3,100
Securities Investment
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 71	$ 65

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Amortized cost
Available-for-sale	$ 27,838	$ 24,202
Total HTM and AFS investment securities	28,277	24,643
Gross unrealized gains
Available-for-sale	17	170
Total HTM and AFS investment securities	17	174
Gross unrealized losses
Available-for-sale	1,710	324
Total HTM and AFS investment securities	1,735	326
Estimated fair value
Held-to-maturity, Estimated fair value	414	443
Available-for-sale	26,145	24,048
Total HTM and AFS investment securities	26,559	24,491
Municipal securities
Amortized cost
Held-to-maturity	439	441
Available-for-sale	1,828	1,652
Gross unrealized gains
Held-to-maturity	0	4
Available-for-sale	6	46
Gross unrealized losses
Held-to-maturity	25	2
Available-for-sale	66	4
Estimated fair value
Held-to-maturity, Estimated fair value	414	443
Available-for-sale	1,768	1,694
U.S. Treasury securities
Amortized cost
Available-for-sale	557	155
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	54	21
Estimated fair value
Available-for-sale	503	134
Agency securities
Amortized cost
Available-for-sale	802	833
Gross unrealized gains
Available-for-sale	0	13
Gross unrealized losses
Available-for-sale	10	1
Estimated fair value
Available-for-sale	792	845
Agency guaranteed mortgage-backed securities
Amortized cost
Available-for-sale	23,626	20,549
Gross unrealized gains
Available-for-sale	9	108
Gross unrealized losses
Available-for-sale	1,553	270
Estimated fair value
Available-for-sale	22,082	20,387
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	950	938
Gross unrealized gains
Available-for-sale	2	2
Gross unrealized losses
Available-for-sale	27	28
Estimated fair value
Available-for-sale	925	912
Other debt securities
Amortized cost
Available-for-sale	75	75
Gross unrealized gains
Available-for-sale	0	1
Gross unrealized losses
Available-for-sale	0	0
Estimated fair value
Available-for-sale	$ 75	$ 76

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Amortized cost
Total debt securities	$ 27,838	$ 24,202
Due in one year or less	137
Due after one year through five years	1,489
Due after five years through ten years	2,998
Due after ten years	$ 23,214
Average yield
Total debt securities	1.75%
Due in one year or less	1.88%
Due after one year through five years	1.99%
Due after five years through ten years	1.97%
Due after ten years	1.70%
Amortized cost
Total HTM and AFS investment securities	$ 28,277	$ 24,643
Due in one year or less	166
Due after one year through five years	1,628
Due after five years through ten years	3,174
Due after ten years	$ 23,309
Average yield
Total debt securities	1.77%
Due in one year or less	2.02%
Due after one year through five years	2.09%
Due after five years through ten years	2.01%
Due after ten years	1.71%
Municipal securities
Amortized cost
Total debt securities	$ 439
Due in one year or less	29
Due after one year through five years	139
Due after five years through ten years	176
Due after ten years	$ 95
Average yield
Total debt securities	3.02%
Due in one year or less	2.71%
Due after one year through five years	3.19%
Due after five years through ten years	2.71%
Due after ten years	3.41%
Amortized cost
Total debt securities	$ 1,828
Due in one year or less	106
Due after one year through five years	683
Due after five years through ten years	638
Due after ten years	$ 401
Average yield
Total debt securities	2.37%
Due in one year or less	2.18%
Due after one year through five years	2.59%
Due after five years through ten years	2.10%
Due after ten years	2.47%
U.S. Treasury securities
Amortized cost
Total debt securities	$ 557
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	$ 557
Average yield
Total debt securities	2.05%
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	2.05%
Agency securities
Amortized cost
Total debt securities	$ 802
Due in one year or less	31
Due after one year through five years	317
Due after five years through ten years	292
Due after ten years	$ 162
Average yield
Total debt securities	2.06%
Due in one year or less	0.84%
Due after one year through five years	1.50%
Due after five years through ten years	2.37%
Due after ten years	2.83%
Agency guaranteed mortgage-backed securities
Amortized cost
Total debt securities	$ 23,626
Due in one year or less	0
Due after one year through five years	442
Due after five years through ten years	1,824
Due after ten years	$ 21,360
Average yield
Total debt securities	1.70%
Due in one year or less	0.00%
Due after one year through five years	1.49%
Due after five years through ten years	1.84%
Due after ten years	1.69%
Small Business Administration loan-backed securities
Amortized cost
Total debt securities	$ 950
Due in one year or less	0
Due after one year through five years	47
Due after five years through ten years	184
Due after ten years	$ 719
Average yield
Total debt securities	1.38%
Due in one year or less	0.00%
Due after one year through five years	1.30%
Due after five years through ten years	2.18%
Due after ten years	1.18%
Other debt securities
Amortized cost
Total debt 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 securities	2.17%
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	2.91%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Gross unrealized losses
Total investment securities, less than 12 months	$ 1,244	$ 237
Total investment securities, 12 months or more	491	89
Total investment securities, total	1,735	326
Estimated fair value
Total investment securities, less than 12 months	19,564	14,137
Total investment securities, 12 months or more	4,865	1,902
Total investment securities, total	24,429	16,039
Municipal securities
Gross unrealized losses
Held-to-maturity, less than 12 Months	12	1
Available-for-sale, less than 12 Months	55	4
Held-to-maturity, 12 months or more	13	1
Available-for-sale, 12 Months or more	11	0
Held-to-maturity, total	25	2
Available-for-sale, total	66	4
Estimated fair value
Held-to-maturity, less than 12 Months	224	88
Available-for-sale, less than 12 Months	1,067	327
Held-to-maturity, 12 months or more	92	68
Available-for-sale, 12 months or more	89	8
Held-to-maturity, total	316	156
Available-for-sale, total	1,156	335
U.S. Treasury, agencies and corporations
Gross unrealized losses
Available-for-sale, less than 12 Months	15	0
Available-for-sale, 12 Months or more	39	21
Available-for-sale, total	54	21
Estimated fair value
Available-for-sale, less than 12 Months	386	0
Available-for-sale, 12 months or more	117	134
Available-for-sale, total	503	134
Agency securities
Gross unrealized losses
Available-for-sale, less than 12 Months	10	1
Available-for-sale, 12 Months or more	0	0
Available-for-sale, total	10	1
Estimated fair value
Available-for-sale, less than 12 Months	660	121
Available-for-sale, 12 months or more	0	1
Available-for-sale, total	660	122
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	1,152	231
Available-for-sale, 12 Months or more	401	39
Available-for-sale, total	1,553	270
Estimated fair value
Available-for-sale, less than 12 Months	17,185	13,574
Available-for-sale, 12 months or more	3,874	942
Available-for-sale, total	21,059	14,516
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	27	28
Available-for-sale, total	27	28
Estimated fair value
Available-for-sale, less than 12 Months	27	27
Available-for-sale, 12 months or more	693	749
Available-for-sale, total	720	776
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	15	0
Available-for-sale, 12 months or more	0	0
Available-for-sale, total	15	0
Available-for-sale
Gross unrealized losses
Available-for-sale, less than 12 Months	1,232	236
Available-for-sale, 12 Months or more	478	88
Available-for-sale, total	1,710	324
Estimated fair value
Available-for-sale, less than 12 Months	19,340	14,049
Available-for-sale, 12 months or more	4,773	1,834
Available-for-sale, total	$ 24,113	$ 15,883

Investments (HTM Year of Issuan

Investments (HTM Year of Issuance and Risk Grade) (Details) $ in Millions	Mar. 31, 2022USD ($)
Investments, Debt and Equity Securities [Abstract]
2022	$ 17
2021	101
2020	122
2019	10
2018	0
Prior	189
Total Securities	$ 439

Investments (Gains and Losses,

Investments (Gains and Losses, Including OTTI, Recognized In Statement of Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Investments [Abstract]
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	$ 3	$ 14
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	20	3
Net gains (losses)	$ (17)	$ 11

Investments (Rollforward of Tot

Investments (Rollforward of Total Amount of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Net Investment Income [Line Items]
Interest income	$ 112	$ 71
Taxable
Net Investment Income [Line Items]
Interest income	98	60
Nontaxable
Net Investment Income [Line Items]
Interest income	14	11
Held-to-maturity
Net Investment Income [Line Items]
Interest income	3	5
Held-to-maturity | Taxable
Net Investment Income [Line Items]
Interest income	2	3
Held-to-maturity | Nontaxable
Net Investment Income [Line Items]
Interest income	1	2
Available-for-sale
Net Investment Income [Line Items]
Interest income	104	64
Available-for-sale | Taxable
Net Investment Income [Line Items]
Interest income	96	57
Available-for-sale | Nontaxable
Net Investment Income [Line Items]
Interest income	8	7
Trading
Net Investment Income [Line Items]
Interest income	5	2
Trading | Taxable
Net Investment Income [Line Items]
Interest income	0	0
Trading | Nontaxable
Net Investment Income [Line Items]
Interest income	$ 5	$ 2

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	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 43	$ 83
Total loans and leases	51,242	50,851
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	28,725	28,440
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	14,356	13,867
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,081	1,855
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	318	327
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,026	8,733
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,944	3,658
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,094	12,198
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,769	2,757
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,325	9,441
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,423	10,213
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,089	3,016
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	6,122	6,050
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	692	638
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	410	396
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 110	$ 113

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 59,000,000		$ 83,000,000
Accrued interest receivable	157,000,000		161,000,000
Total loans	51,242,000,000		50,851,000,000
Carrying values of loans that have been pledged as collateral	26,800,000,000		26,800,000,000
Held-for-sale loans sold	336,000,000	$ 423,000,000
Payments for origination and purchases of loans held-for-sale	297,000,000	426,000,000
Principal balance of loans sold, serviced loans	3,500,000,000		3,300,000,000
Total income from loans sold	6,000,000	11,000,000
Loans and leases, net of unearned income and fees	51,242,000,000		50,851,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000
Total allowance for credit losses	514,000,000	695,000,000
Unfunded lending commitments on troubled debt restructuring	4,000,000		10,000,000
Amortized cost of TDR loans modified with interest rates below market	316,000,000		326,000,000
Real estate acquired through foreclosure	0		0
Mortgage loans in process of foreclosure	13,000,000		10,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market	100,000,000		105,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0		0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,094,000,000		12,198,000,000
Total allowance for credit losses	114,000,000	169,000,000
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market	16,000,000		16,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,423,000,000		10,213,000,000
Total allowance for credit losses	104,000,000	140,000,000
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market	5,000,000		5,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,725,000,000		28,440,000,000
Total allowance for credit losses	296,000,000	$ 386,000,000
Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market	79,000,000		84,000,000
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	92,000,000		100,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	176,000,000		160,000,000
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14,356,000,000		13,867,000,000
Commercial and industrial | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market	$ 58,000,000		$ 64,000,000

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
	Mar. 31, 2022	Mar. 31, 2021
Allowance for loan losses
Balance at beginning of period	$ 513	$ 777
Provision for loan and lease losses	(29)	(123)
Gross loan and lease charge-offs	17	21
Recoveries	11	13
Net loan and lease charge-offs (recoveries)	6	8
Balance at end of period	478	646
Reserve for unfunded lending commitments
Balance at beginning of period	40	58
Provision for unfunded lending commitments	(4)	(9)
Balance at end of period	36	49
Total allowance for credit losses	514	695
Commercial
Allowance for loan losses
Balance at beginning of period	311	464
Provision for loan and lease losses	(24)	(94)
Gross loan and lease charge-offs	13	18
Recoveries	8	10
Net loan and lease charge-offs (recoveries)	5	8
Balance at end of period	282	362
Reserve for unfunded lending commitments
Balance at beginning of period	19	30
Provision for unfunded lending commitments	(5)	(6)
Balance at end of period	14	24
Total allowance for credit losses	296	386
Commercial real estate
Allowance for loan losses
Balance at beginning of period	107	171
Provision for loan and lease losses	(5)	(19)
Gross loan and lease charge-offs	0	0
Recoveries	0	0
Net loan and lease charge-offs (recoveries)	0	0
Balance at end of period	102	152
Reserve for unfunded lending commitments
Balance at beginning of period	11	20
Provision for unfunded lending commitments	1	(3)
Balance at end of period	12	17
Total allowance for credit losses	114	169
Consumer
Allowance for loan losses
Balance at beginning of period	95	142
Provision for loan and lease losses	0	(10)
Gross loan and lease charge-offs	4	3
Recoveries	3	3
Net loan and lease charge-offs (recoveries)	1	0
Balance at end of period	94	132
Reserve for unfunded lending commitments
Balance at beginning of period	10	8
Provision for unfunded lending commitments	0	0
Balance at end of period	10	8
Total allowance for credit losses	$ 104	$ 140

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 70,000,000		$ 88,000,000
Amortized cost basis with allowance	182,000,000		183,000,000
Total amortized cost basis	252,000,000		271,000,000
Related allowance	50,000,000		48,000,000
Interest income	0	$ 0
Accrued interest receivable written off	4,000,000	4,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	53,000,000		69,000,000
Amortized cost basis with allowance	114,000,000		115,000,000
Total amortized cost basis	167,000,000		184,000,000
Related allowance	40,000,000		37,000,000
Accrued interest receivable written off	4,000,000	3,000,000
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	20,000,000		30,000,000
Amortized cost basis with allowance	92,000,000		94,000,000
Total amortized cost basis	112,000,000		124,000,000
Related allowance	38,000,000		34,000,000
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0		2,000,000
Amortized cost basis with allowance	2,000,000		1,000,000
Total amortized cost basis	2,000,000		3,000,000
Related allowance	0		0
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	33,000,000		37,000,000
Amortized cost basis with allowance	20,000,000		20,000,000
Total amortized cost basis	53,000,000		57,000,000
Related allowance	2,000,000		3,000,000
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5,000,000		6,000,000
Amortized cost basis with allowance	15,000,000		14,000,000
Total amortized cost basis	20,000,000		20,000,000
Related allowance	3,000,000		3,000,000
Accrued interest receivable written off	0	1,000,000
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5,000,000		6,000,000
Amortized cost basis with allowance	15,000,000		14,000,000
Total amortized cost basis	20,000,000		20,000,000
Related allowance	3,000,000		3,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	12,000,000		13,000,000
Amortized cost basis with allowance	53,000,000		54,000,000
Total amortized cost basis	65,000,000		67,000,000
Related allowance	7,000,000		8,000,000
Accrued interest receivable written off	0	$ 0
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	4,000,000		4,000,000
Amortized cost basis with allowance	9,000,000		10,000,000
Total amortized cost basis	13,000,000		14,000,000
Related allowance	1,000,000		2,000,000
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	8,000,000		9,000,000
Amortized cost basis with allowance	43,000,000		43,000,000
Total amortized cost basis	51,000,000		52,000,000
Related allowance	5,000,000		5,000,000
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0		0
Amortized cost basis with allowance	1,000,000		1,000,000
Total amortized cost basis	1,000,000		1,000,000
Related allowance	$ 1,000,000		$ 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	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 51,242	$ 50,851
Accruing loans 90+ days past due	3	8
Nonaccrual loans that are current	252	271
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,725	28,440
Accruing loans 90+ days past due	1	7
Nonaccrual loans that are current	167	184
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,094	12,198
Accruing loans 90+ days past due	1	0
Nonaccrual loans that are current	20	20
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,423	10,213
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	65	67
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14,356	13,867
Accruing loans 90+ days past due	1	2
Nonaccrual loans that are current	112	124
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,081	1,855
Accruing loans 90+ days past due	0	5
Nonaccrual loans that are current	2	3
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	318	327
Accruing loans 90+ days past due	0	0
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,026	8,733
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	53	57
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,944	3,658
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	2,769	2,757
Accruing loans 90+ days past due	0	0
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,325	9,441
Accruing loans 90+ days past due	1	0
Nonaccrual loans that are current	20	20
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,089	3,016
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	13	14
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6,122	6,050
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	51	52
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	692	638
Accruing loans 90+ days past due	0	0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	410	396
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	1	1
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	110	113
Accruing loans 90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	51,071	50,684
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28,600	28,332
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,089	12,183
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,382	10,169
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14,285	13,822
Current | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,053	1,813
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	317	327
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,001	8,712
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,944	3,658
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,769	2,757
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,320	9,426
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,083	3,008
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6,090	6,018
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	692	638
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	408	393
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	109	112
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	171	167
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	125	108
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5	15
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	41	44
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	71	45
Total past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	28	42
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	0
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	25	21
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	0	0
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5	15
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6	8
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	32	32
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	2	3
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	106	82
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	89	59
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	10
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16	13
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	49	17
30-89 days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	26	35
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	0
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13	7
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	0	0
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	10
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	4
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	11	6
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	1	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	65	85
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	36	49
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	5
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	25	31
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	22	28
90+ days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	7
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	12	14
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	0
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	5
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	4
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	21	26
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	1
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	177	182
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	129	133
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	17	15
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	31	34
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	89	91
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	0
Nonaccrual loans that are current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	40	42
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	17	15
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	10	10
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	21	24
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	0	0
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	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	$ 2,961	$ 12,539
2021	11,911	8,182
2020	7,613	5,938
2019	5,364	3,865
2018	3,521	2,776
Prior	7,673	5,654
Revolving loans amortized cost basis	11,589	11,327
Revolving loans converted to term loans amortized cost basis	610	570
Total loans	51,242	50,851
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	1,706	7,717
2021	7,076	4,350
2020	3,965	3,022
2019	2,893	2,087
2018	1,915	1,503
Prior	3,585	2,414
Revolving loans amortized cost basis	7,330	7,132
Revolving loans converted to term loans amortized cost basis	255	215
Total loans	28,725	28,440
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	710	3,078
2021	3,023	2,553
2020	2,458	2,094
2019	1,732	1,255
2018	1,151	575
Prior	1,905	1,505
Revolving loans amortized cost basis	863	889
Revolving loans converted to term loans amortized cost basis	252	249
Total loans	12,094	12,198
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	545	1,744
2021	1,812	1,279
2020	1,190	822
2019	739	523
2018	455	698
Prior	2,183	1,735
Revolving loans amortized cost basis	3,396	3,306
Revolving loans converted to term loans amortized cost basis	103	106
Total loans	10,423	10,213
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	669	2,607
2021	2,503	1,358
2020	1,300	1,293
2019	1,220	816
2018	758	387
Prior	603	328
Revolving loans amortized cost basis	7,121	6,935
Revolving loans converted to term loans amortized cost basis	182	143
Total loans	14,356	13,867
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	1,317
2021	778	538
2020	303	0
2019	0	0
2018	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	1,081	1,855
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	2	46
2021	55	75
2020	70	74
2019	69	65
2018	61	43
Prior	61	24
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	318	327
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	607	2,444
2021	2,461	1,407
2020	1,353	1,102
2019	1,075	956
2018	888	746
Prior	2,364	1,812
Revolving loans amortized cost basis	205	194
Revolving loans converted to term loans amortized cost basis	73	72
Total loans	9,026	8,733
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	428	1,303
2021	1,279	972
2020	939	553
2019	529	250
2018	208	327
Prior	557	250
Revolving loans amortized cost basis	4	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,944	3,658
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	75	640
2021	695	739
2020	814	544
2019	387	94
2018	61	24
Prior	27	2
Revolving loans amortized cost basis	674	650
Revolving loans converted to term loans amortized cost basis	36	64
Total loans	2,769	2,757
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	635	2,438
2021	2,328	1,814
2020	1,644	1,550
2019	1,345	1,161
2018	1,090	551
Prior	1,878	1,503
Revolving loans amortized cost basis	189	239
Revolving loans converted to term loans amortized cost basis	216	185
Total loans	9,325	9,441
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	2,992	2,913
Revolving loans converted to term loans amortized cost basis	97	103
Total loans	3,089	3,016
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	470	1,391
2021	1,385	1,024
2020	985	732
2019	682	487
2018	430	690
Prior	2,170	1,726
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	6,122	6,050
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	55	295
2021	382	232
2020	186	73
2019	43	27
2018	18	4
Prior	8	7
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	692	638
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	404	393
Revolving loans converted to term loans amortized cost basis	6	3
Total loans	410	396
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	20	58
2021	45	23
2020	19	17
2019	14	9
2018	7	4
Prior	5	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	110	113
Pass | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	669	2,561
2021	2,455	1,309
2020	1,257	1,179
2019	1,095	748
2018	700	354
Prior	452	239
Revolving loans amortized cost basis	6,851	6,594
Revolving loans converted to term loans amortized cost basis	158	121
Total loans	13,637	13,105
Pass | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	1,317
2021	778	535
2020	301	0
2019	0	0
2018	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	1,079	1,852
Pass | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	2	46
2021	55	74
2020	70	70
2019	64	64
2018	60	42
Prior	55	19
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	306	315
Pass | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	602	2,420
2021	2,447	1,366
2020	1,311	1,028
2019	1,013	868
2018	810	695
Prior	2,183	1,663
Revolving loans amortized cost basis	193	177
Revolving loans converted to term loans amortized cost basis	70	69
Total loans	8,629	8,286
Pass | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	428	1,303
2021	1,279	963
2020	939	553
2019	529	250
2018	208	327
Prior	527	220
Revolving loans amortized cost basis	4	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3,914	3,619
Pass | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	75	640
2021	695	736
2020	811	515
2019	386	94
2018	61	24
Prior	27	2
Revolving loans amortized cost basis	674	650
Revolving loans converted to term loans amortized cost basis	36	64
Total loans	2,765	2,725
Pass | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	627	2,407
2021	2,297	1,765
2020	1,604	1,491
2019	1,297	1,066
2018	994	529
Prior	1,795	1,401
Revolving loans amortized cost basis	189	239
Revolving loans converted to term loans amortized cost basis	215	179
Total loans	9,018	9,077
Pass | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	2,982	2,903
Revolving loans converted to term loans amortized cost basis	91	96
Total loans	3,073	2,999
Pass | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	470	1,391
2021	1,384	1,021
2020	982	728
2019	677	484
2018	428	681
Prior	2,128	1,691
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	6,069	5,996
Pass | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	55	295
2021	382	232
2020	186	73
2019	43	27
2018	18	4
Prior	8	7
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	692	638
Pass | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	401	391
Revolving loans converted to term loans amortized cost basis	6	3
Total loans	407	394
Pass | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	20	58
2021	45	23
2020	19	17
2019	14	9
2018	7	4
Prior	5	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	110	113
Special Mention | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	4
2021	5	17
2020	13	9
2019	4	12
2018	13	1
Prior	45	3
Revolving loans amortized cost basis	97	128
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	178	175
Special Mention | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	1
2020	0	4
2019	5	1
2018	1	1
Prior	1	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	7	7
Special Mention | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	10
2021	8	13
2020	12	19
2019	20	32
2018	22	18
Prior	65	50
Revolving loans amortized cost basis	3	3
Revolving loans converted to term loans amortized cost basis	3	3
Total loans	133	148
Special Mention | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	25	25
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	25	25
Special Mention | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	1
2019	1	0
2018	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	1
Special Mention | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	22
2021	22	39
2020	0	10
2019	0	17
2018	0	8
Prior	15	25
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	1	4
Total loans	38	125
Special Mention | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	1	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	1
Special Mention | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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 | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	28
2021	30	22
2020	21	99
2019	115	53
2018	44	31
Prior	87	65
Revolving loans amortized cost basis	124	162
Revolving loans converted to term loans amortized cost basis	8	3
Total loans	429	463
Accruing Substandard | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	5	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	5	5
Accruing Substandard | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	5	14
2021	6	24
2020	28	41
2019	29	47
2018	47	24
Prior	91	79
Revolving loans amortized cost basis	5	13
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	211	242
Accruing Substandard | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	9
2020	0	0
2019	0	0
2018	0	0
Prior	5	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	5	14
Accruing Substandard | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	3
2020	3	28
2019	0	0
2018	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	31
Accruing Substandard | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	8	9
2021	9	9
2020	39	44
2019	43	77
2018	95	14
Prior	55	64
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	2
Total loans	249	219
Accruing Substandard | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	2	2
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	2
Accruing Substandard | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	1
2019	1	0
2018	0	0
Prior	1	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	2
Accruing Substandard | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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 | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	2	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	1
Accruing Substandard | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	14
2021	13	10
2020	9	6
2019	6	3
2018	1	1
Prior	19	21
Revolving loans amortized cost basis	49	51
Revolving loans converted to term loans amortized cost basis	15	18
Total loans	112	124
Nonaccrual | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	3
2020	2	0
2019	0	0
2018	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	2	3
Nonaccrual | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	4
2020	2	14
2019	13	9
2018	9	9
Prior	25	20
Revolving loans amortized cost basis	4	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	53	57
Nonaccrual | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	1
2020	1	5
2019	5	1
2018	1	0
Prior	13	13
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	20	20
Nonaccrual | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	7	7
Revolving loans converted to term loans amortized cost basis	6	7
Total loans	13	14
Nonaccrual | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	1	3
2020	3	3
2019	4	3
2018	2	9
Prior	41	34
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	51	52
Nonaccrual | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	1	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	1
Nonaccrual | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	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	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	$ 316	$ 326
Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	34	36
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	58	51
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	8
Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	58	50
Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	69	73
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	89	108
Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	216	221
Accruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	24	30
Accruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	54	46
Accruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	7
Accruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	36	35
Accruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	60	60
Accruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	35	43
Accruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	84	84
Accruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	20	24
Accruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	24	15
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	9	8
Accruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	18	18
Accruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	13	19
Accruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	37	31
Accruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	19	19
Accruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	10	1
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	4	4
Accruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	7
Accruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	37	43
Accruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	5
Accruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	4
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	9	8
Accruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	14	14
Accruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	12
Accruing | Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	10	10
Accruing | Commercial | Municipal | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	10	10
Accruing | Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
Accruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	106	106
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	29	29
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	27
Accruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	41	41
Accruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	8
Accruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	106	106
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	29	29
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	27
Accruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	41	41
Accruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	8	8
Accruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	26	31
Accruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	5
Accruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	2
Accruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	7
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	1
Accruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	14	16
Accruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	8
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	0	1
Accruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	5
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	19	23
Accruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	5
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	2	2
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	1
Accruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	12	14
Nonaccruing
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	100	105
Nonaccruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	10	6
Nonaccruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	4	5
Nonaccruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Nonaccruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	22	15
Nonaccruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	13
Nonaccruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	54	65
Nonaccruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	79	84
Nonaccruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	10	6
Nonaccruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	4
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	11	4
Nonaccruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	8
Nonaccruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	48	62
Nonaccruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	58	64
Nonaccruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
Nonaccruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	4
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	11	2
Nonaccruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	7	8
Nonaccruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	36	49
Nonaccruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	21	20
Nonaccruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	9	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	0	2
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	12	13
Nonaccruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	16	16
Nonaccruing | Commercial real estate | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
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	11	11
Nonaccruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	3
Nonaccruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	16	16
Nonaccruing | Commercial real estate | Term | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
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	11	11
Nonaccruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	2	2
Nonaccruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	3
Nonaccruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	5	5
Nonaccruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
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	1	1
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	3
Nonaccruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	3	0
Nonaccruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	1	1
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	1
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	4	4
Nonaccruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	0	0
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	0	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	3
Nonaccruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost resulting from the following modification types	$ 3	$ 0

Loans, Leases, and Allowance_10

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 24	$ 47
Commercial and industrial | Commercial | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 8
Weighted average LTV	39.00%
Commercial and industrial | Commercial | Corporate assets, Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 27
Weighted average LTV		55.00%
Owner-occupied | Commercial | Office building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 8	$ 11
Weighted average LTV	40.00%	40.00%
Term | Commercial real estate | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 2
Weighted average LTV	37.00%
Term | Commercial real estate | Multi-family, Retail
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 2
Weighted average LTV		28.00%
Home equity credit line | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 4	$ 5
Weighted average LTV	35.00%	45.00%
1-4 family residential | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 2	$ 2
Weighted average LTV	38.00%	35.00%

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2022USD ($)derivative_instrument	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 22,186,000,000		$ 22,610,000,000
Amortization of cumulative debt basis adjustments	1,000,000
Redesignated swaps, unamortized basis adjustments	7,000,000
Decrease in cash flow hedge portfolio	192,000,000
Other liabilities	179,000,000		51,000,000
Cash collateral pledged for derivative liabilities	118,000,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	1,000,000
Parent [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	179,000,000
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	217,000,000		236,000,000
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	7,531,000,000		7,862,000,000
Decrease in cash flow hedge portfolio	178,000,000	$ 5,000,000
Derivatives designated as hedges | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	$ 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
Derivative, notional amount	$ 500,000,000		500,000,000
Increase (decrease) in fair value hedges	7,000,000
Fair Value Hedging | Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	990,000,000		479,000,000
Increase (decrease) in fair value hedges	(52,000,000)
Decrease in cash flow hedge portfolio	0	0
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	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
Cash Flow Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	6,041,000,000		6,883,000,000
Decrease in cash flow hedge portfolio	178,000,000	$ 5,000,000
Cash Flow Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Other liabilities	$ 0		$ 0

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Notional amount	$ 22,186,000,000	$ 22,610,000,000
Other assets	119,000,000	219,000,000
Other liabilities	179,000,000	51,000,000
Net credit valuation adjustment reducing fair value	3,000,000	3,000,000
Other assets
Derivative [Line Items]
Other assets	255,000,000	249,000,000
Other liabilities
Derivative [Line Items]
Other liabilities	217,000,000	236,000,000
Derivatives designated as hedges
Derivative [Line Items]
Notional amount	7,531,000,000	7,862,000,000
Derivatives designated as hedges | Other assets
Derivative [Line Items]
Other assets	29,000,000	10,000,000
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	6,041,000,000	6,883,000,000
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	990,000,000	479,000,000
Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	29,000,000	10,000,000
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	14,655,000,000	14,748,000,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Other assets	226,000,000	239,000,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Other liabilities	217,000,000	236,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives
Derivative [Line Items]
Notional amount	6,604,000,000	6,587,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	41,000,000	192,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	170,000,000	36,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives
Derivative [Line Items]
Notional amount	6,604,000,000	6,587,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	175,000,000	38,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	39,000,000	8,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	43,000,000	197,000,000
Derivatives not designated as hedging instruments | Offsetting interest rate derivatives | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	5,000,000	12,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	1,067,000,000	1,286,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	6,000,000	6,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	1,000,000	1,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	380,000,000	288,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Other assets	4,000,000	3,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	$ 3,000,000	$ 2,000,000

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative Gain (Loss) Recognized/Reclassified) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	$ (192)
Amount of gain/(loss) reclassified from AOCI into income	10	$ 11
Gains to be reclassified within the next 12 months into interest income	26	(57)
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(178)	(5)
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	14	15
Interest on fair value hedges	2	4
Hedge ineffectiveness/AOCI reclass due to missed forecast	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 derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	2	3
Interest on fair value hedges	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(178)	(5)
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	12	12
Interest on fair value hedges	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	0	9
Derivatives designated as hedges | Fair Value Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	2	2
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	1	3
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	(1)	(1)
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	$ 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
	Mar. 31, 2022	Mar. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 20	$ 25
Customer-facing interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	(268)	(182)
Offsetting interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	281	206
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	(4)
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 6	$ 5

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (Loss) Recorded in Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 6	$ 18
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(32)	(35)
Hedged items	32	35
Total income statement impact	0	0
Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	53	48
Hedged items	(53)	(48)
Total income statement impact	$ 0	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Basis Adjustments for Hedged Items) (Details) - Fair Value Hedging - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	$ (500,000,000)	$ (500,000,000)
Carrying amount of hedged liabilities	(474,000,000)	(507,000,000)
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	26,000,000	(7,000,000)
Par value of hedged assets	990,000,000	479,000,000
Carrying amount of hedged assets	894,000,000	435,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (96,000,000)	$ (44,000,000)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2022USD ($)branch	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Leases [Abstract]
Number of branches | branch	416
Number of branches owned | branch	273
Number of branches leased | branch	143
ROU assets related to new leases	$ 1		$ 1
Operating lease income	3	$ 3
Sales-type or direct financing leases	318		$ 327
Sales-type or direct financing leases income	3	3
Other expenses associated with operating leases	$ 12	$ 12

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Leases [Abstract]
ROU assets, net of amortization	$ 188	$ 195
Lease liabilities	215	222
ROU assets, net of amortization	4	4
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases	8 years 6 months	8 years 6 months
Weighted average remaining lease term, finance leases	18 years 1 month 6 days	18 years 3 months 18 days
Weighted average discount rate, operating leases	2.80%	2.80%
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
	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Operating lease expense	$ 12	$ 12
Other expenses associated with operating leases	12	12
Total lease expense	24	24
Related cash disbursements from operating leases	$ 12	$ 12

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Mar. 31, 2022USD ($)
Leases [Abstract]
2022	$ 37
2023	45
2024	36
2025	26
2026	21
Thereafter	83
Total	$ 248

Long-Term Debt and Shareholde_3

Long-Term Debt and Shareholders' Equity (Long-term Debt) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Debt And Equity [Abstract]
Subordinated notes	$ 557	$ 590
Senior notes	128	418
Finance lease obligations	4	4
Total	689	$ 1,012
Debt Instrument [Line Items]
Amount change	$ (323)
Percent change	(32.00%)
Subordinated notes
Debt Instrument [Line Items]
Amount change	$ (33)
Percent change	(6.00%)
Senior notes
Debt Instrument [Line Items]
Amount change	$ (290)
Percent change	(69.00%)
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
	Mar. 31, 2022USD ($)
Debt Instrument [Line Items]
Maturity of senior debt	$ 290
Debt interest rate	3.35%

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
	Mar. 31, 2022	Dec. 31, 2021
Debt And Equity [Abstract]
Shares outstanding (in shares)	151.3
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock and additional paid-in capital	$ 1,900
Common stock and additional paid-in capital change	$ 39
Common stock and additional paid-in capital percentage change	2.00%
Common stock repurchased (in shares)	0.8
Fair value of stock repurchased	$ 50
Average price per share of stock repurchased (in dollars per share)	$ 65.31
Accumulated other comprehensive income	$ (1,346)	$ (80)

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
	Mar. 31, 2022	Mar. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 7,463	$ 7,886
OCI (loss) before reclassifications, net of tax	(1,256)	(166)
Amounts reclassified from AOCI, net of tax	(10)	(11)
Other comprehensive loss	(1,266)	(177)
Balance at end of period	6,294	7,933
Income tax (benefit) expense included in other comprehensive income (loss)	(410)	(57)
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(80)	325
Balance at end of period	(1,346)	148
Net unrealized gains (losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(78)	258
OCI (loss) before reclassifications, net of tax	(1,121)	(165)
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive loss	(1,121)	(165)
Balance at end of period	(1,199)	93
Income tax (benefit) expense included in other comprehensive income (loss)	(363)	(53)
Net unrealized gains (losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	0	69
OCI (loss) before reclassifications, net of tax	(135)	(1)
Amounts reclassified from AOCI, net of tax	(10)	(11)
Other comprehensive loss	(145)	(12)
Balance at end of period	(145)	57
Income tax (benefit) expense included in other comprehensive income (loss)	(47)	(4)
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(2)	(2)
OCI (loss) before reclassifications, net of tax	0	0
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive loss	0	0
Balance at end of period	(2)	(2)
Income tax (benefit) expense included in other comprehensive income (loss)	$ 0	$ 0

Long-Term Debt and Shareholde_7

Long-Term Debt and Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	$ 437	$ 488
Income tax expense	52	89
Net income	203	322
Net unrealized gains (losses) on derivatives and other | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	14	15
Income tax expense	4	4
Net income	$ 10	$ 11

Commitments, Guarantees, and _3

Commitments, Guarantees, and Contingent Liabilities (Schedule of Off Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unfunded lending commitments	$ 26,391	$ 25,797
Commercial letters of credit	18	22
Total unfunded lending commitments	27,253	26,661
Financial
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	589	597
Performance
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 255	$ 245

Commitments, Guarantees, and _4

Commitments, Guarantees, and Contingent Liabilities (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)investors
Guarantor Obligations [Line Items]
Letters of credit, accrued liability	$ 4
Reserve for unfunded lending commitments	2
Deferred commitment fees	$ 2
Number Of Investors In Former Customer | investors	4
Number of investors | investors	50
Minimum
Guarantor Obligations [Line Items]
Estimate of possible losses	$ 0
Maximum
Guarantor Obligations [Line Items]
Estimate of possible losses	$ 10

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 124	$ 102
Other noninterest income (non-ASC 606 customer-related)	27	31
Total customer-related noninterest income	151	133
Other noncustomer-related noninterest income	(9)	36
Total noninterest income	142	169
Other real estate owned gain from sale	0	0
Net interest income	544	545
Total income less interest expense	$ 686	714
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)	$ 41	32
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	36	29
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	19	17
Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	2
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	11
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	11
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	11	6
Other noninterest income (non-ASC 606 customer-related)	3	(1)
Total customer-related noninterest income	14	5
Other noncustomer-related noninterest income	(11)	36
Total noninterest income	3	41
Other real estate owned gain from sale	0	0
Net interest income	11	5
Total income less interest expense	14	46
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	(2)
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	(1)
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
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	7
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	42	35
Other noninterest income (non-ASC 606 customer-related)	4	5
Total customer-related noninterest income	46	40
Other noncustomer-related noninterest income	0	(1)
Total noninterest income	46	39
Other real estate owned gain from sale	0	0
Net interest income	157	157
Total income less interest expense	203	196
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	15	11
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	13
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
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
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	5
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	1
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	28	24
Other noninterest income (non-ASC 606 customer-related)	9	8
Total customer-related noninterest income	37	32
Other noncustomer-related noninterest income	0	0
Total noninterest income	37	32
Other real estate owned gain from sale	0	0
Net interest income	112	116
Total income less interest expense	149	148
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	11	10
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	6
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
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)	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	3
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	17	15
Other noninterest income (non-ASC 606 customer-related)	6	8
Total customer-related noninterest income	23	23
Other noncustomer-related noninterest income	1	1
Total noninterest income	24	24
Other real estate owned gain from sale	0	0
Net interest income	129	131
Total income less interest expense	153	155
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	6
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	4
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
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
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
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
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	7
Other noninterest income (non-ASC 606 customer-related)	1	4
Total customer-related noninterest income	10	11
Other noncustomer-related noninterest income	1	0
Total noninterest income	11	11
Other real estate owned gain from sale	0	0
Net interest income	51	52
Total income less interest expense	62	63
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	2
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
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
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
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
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	10	9
Other noninterest income (non-ASC 606 customer-related)	2	4
Total customer-related noninterest income	12	13
Other noncustomer-related noninterest income	0	0
Total noninterest income	12	13
Other real estate owned gain from sale	0	0
Net interest income	37	37
Total income less interest expense	49	50
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
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	3
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
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
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
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	5
Other noninterest income (non-ASC 606 customer-related)	2	3
Total customer-related noninterest income	8	8
Other noncustomer-related noninterest income	0	0
Total noninterest income	8	8
Other real estate owned gain from sale	0	0
Net interest income	33	34
Total income less interest expense	41	42
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1
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
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
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
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
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Other noninterest income (non-ASC 606 customer-related)	0	0
Total customer-related noninterest income	1	1
Other noncustomer-related noninterest income	0	0
Total noninterest income	1	1
Other real estate owned gain from sale	0	0
Net interest income	14	13
Total income less interest expense	15	14
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	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
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
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
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	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

Income Taxes (Details)

Income Taxes (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Effective income tax rate	20.40%	21.70%
Valuation allowance	$ 0		$ 0
Deferred tax assets	$ 467,000,000		$ 96,000,000

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
	Mar. 31, 2022	Mar. 31, 2021
Basic:
Net income	$ 203	$ 322
Less common and preferred dividends	66	64
Undistributed earnings	137	258
Less undistributed earnings applicable to nonvested shares	1	2
Undistributed earnings applicable to common shares	136	256
Distributed earnings applicable to common shares	57	56
Total earnings applicable to common shares	$ 193	$ 312
Weighted average common shares outstanding (in shares)	151,285	163,551
Net earnings per common share (in dollars per share)	$ 1.27	$ 1.90
Diluted:
Dilutive effect of stock options (in shares)	402	336
Weighted average diluted common shares outstanding (in shares)	151,687	163,887
Net earnings per common share (in dollars per share)	$ 1.27	$ 1.90

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
	Mar. 31, 2022	Mar. 31, 2021
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)	1,339	1,414
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	109	377

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)branchsegment	Mar. 31, 2021USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment	7
Number of branches | branch	416
Net interest income	$ 544	$ 545
Provision for credit losses	(33)	(132)
Net interest income after provision for credit losses	577	677
Total noninterest income	142	169
Total noninterest expense	464	435
Income before income taxes	255	411
Total average loans	50,933	53,665
Total average deposits	81,605	71,446
Other
Segment Reporting Information [Line Items]
Net interest income	11	5
Provision for credit losses	1	0
Net interest income after provision for credit losses	10	5
Total noninterest income	3	41
Total noninterest expense	58	45
Income before income taxes	(45)	1
Total average loans	896	801
Total average deposits	1,335	2,019
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	157	157
Provision for credit losses	(2)	(11)
Net interest income after provision for credit losses	159	168
Total noninterest income	46	39
Total noninterest expense	123	117
Income before income taxes	82	90
Total average loans	12,817	13,730
Total average deposits	26,120	21,711
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	112	116
Provision for credit losses	(27)	(53)
Net interest income after provision for credit losses	139	169
Total noninterest income	37	32
Total noninterest expense	86	85
Income before income taxes	90	116
Total average loans	11,795	12,704
Total average deposits	16,413	14,243
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	129	131
Provision for credit losses	6	(37)
Net interest income after provision for credit losses	123	168
Total noninterest income	24	24
Total noninterest expense	84	80
Income before income taxes	63	112
Total average loans	12,845	13,051
Total average deposits	16,468	15,183
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	51	52
Provision for credit losses	(4)	(10)
Net interest income after provision for credit losses	55	62
Total noninterest income	11	11
Total noninterest expense	40	38
Income before income taxes	26	35
Total average loans	4,774	5,108
Total average deposits	7,953	6,544
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	37	37
Provision for credit losses	(3)	(18)
Net interest income after provision for credit losses	40	55
Total noninterest income	12	13
Total noninterest expense	37	36
Income before income taxes	15	32
Total average loans	2,817	3,247
Total average deposits	7,437	6,069
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	33	34
Provision for credit losses	(4)	0
Net interest income after provision for credit losses	37	34
Total noninterest income	8	8
Total noninterest expense	30	28
Income before income taxes	15	14
Total average loans	3,398	3,451
Total average deposits	4,298	4,279
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	14	13
Provision for credit losses	0	(3)
Net interest income after provision for credit losses	14	16
Total noninterest income	1	1
Total noninterest expense	6	6
Income before income taxes	9	11
Total average loans	1,591	1,573
Total average deposits	$ 1,581	$ 1,398
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	96
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	1
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch	75
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch	82
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch	56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch	43
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	34
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	1