Basic earnings per common share is calculated by dividing net income available to common shareholders by the weighted average number of shares of common stock outstanding net of unvested shares of restricted stock.

Diluted earnings per common share is calculated by dividing net income available to common shareholders by the weighted average number of shares of common stock outstanding, adjusted for the dilutive effect of potential common shares issuable for restricted shares, as calculated using the treasury stock method. Adjustments to the weighted average number of shares of common stock outstanding are made only when such adjustments dilute earnings per common share.


	Three Months Ended June 30,				Six Months Ended June 30,
(dollars in millions, except per share data)	2026		2025		2026		2025
Net income	$	149	$	130	$	286	$	247
Basic weighted average common shares outstanding	356,574,201		361,417,949		358,026,907		361,571,896
Net effect of dilutive restricted stock	839,740		841,015		792,123		1,091,899
Diluted weighted average common shares outstanding	357,413,941		362,258,964		358,819,030		362,663,795
Earnings per common share:
Basic	$	0.42	$	0.36	$	0.80	$	0.68
Diluted	$	0.42	$	0.36	$	0.80	$	0.68