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 September 30,				Nine Months Ended September 30,
(dollars in millions, except per share data)	2026		2025		2026		2025
Net income	$	153	$	150	$	439	$	397
Basic weighted average common shares outstanding	353,973,737		360,562,829		356,662,801		361,232,517
Net effect of dilutive restricted stock	991,616		1,106,789		858,621		1,096,952
Diluted weighted average common shares outstanding	354,965,353		361,669,618		357,521,422		362,329,469
Earnings per common share:
Basic	$	0.43	$	0.41	$	1.23	$	1.10
Diluted	$	0.43	$	0.41	$	1.23	$	1.09