STI 2018 Annual Report

Notes to Consolidated Financial Statements, continued 111 Year Ended December 31 2018 2017 2016 (Dollars in millions) Average Carrying Value Interest 1 Income Recognized Average Carrying Value Interest 1 Income Recognized Average Carrying Value Interest 1 Income Recognized Impaired LHFI with no ALLL recorded: Commercial loans: C&I $121 $7 $34 $1 $169 $3 CRE 39 — — — — — Total commercial LHFI with no ALLL recorded 160 7 34 1 169 3 Consumer loans: Residential mortgages - nonguaranteed 404 19 357 15 370 16 Residential construction 8 1 8 — 8 — Total consumer LHFI with no ALLL recorded 412 20 365 15 378 16 Impaired LHFI with an ALLL recorded: Commercial loans: C&I 71 1 112 2 170 1 CRE — — 22 1 25 1 Total commercial LHFI with an ALLL recorded 71 1 134 3 195 2 Consumer loans: Residential mortgages - nonguaranteed 993 48 1,123 58 1,251 64 Residential home equity products 816 36 914 32 812 29 Residential construction 78 3 94 5 110 6 Other direct 58 4 60 4 10 1 Indirect 147 7 136 6 114 6 Credit cards 8 1 6 1 6 1 Total consumer LHFI with an ALLL recorded 2,100 99 2,333 106 2,303 107 Total impaired LHFI $2,743 $127 $2,866 $125 $3,045 $128 1 Of the interest income recognized during the years ended December 31, 2018, 2017, and 2016, cash basis interest income was immaterial.