| Schedule Of Loan Portfolio, Net Of Unearned Income |
The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income as of December 31: | | | | | | | | | | 2019 | | 2018 | | (In millions) | Commercial and industrial | $ | 39,971 |
| | $ | 39,282 |
| Commercial real estate mortgage—owner-occupied | 5,537 |
| | 5,549 |
| Commercial real estate construction—owner-occupied | 331 |
| | 384 |
| Total commercial | 45,839 |
| | 45,215 |
| Commercial investor real estate mortgage | 4,936 |
| | 4,650 |
| Commercial investor real estate construction | 1,621 |
| | 1,786 |
| Total investor real estate | 6,557 |
| | 6,436 |
| Residential first mortgage | 14,485 |
| | 14,276 |
| Home equity | 8,384 |
| | 9,257 |
| Indirect—vehicles | 1,812 |
| | 3,053 |
| Indirect—other consumer | 3,249 |
| | 2,349 |
| Consumer credit card | 1,387 |
| | 1,345 |
| Other consumer | 1,250 |
| | 1,221 |
| Total consumer | 30,567 |
| | 31,501 |
| Total loans, net of unearned income (1) | $ | 82,963 |
| | $ | 83,152 |
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_________ (1) Loans are presented net of unearned income, unamortized discounts and premiums and net deferred loan costs of $11 million and $(4) million at December 31, 2019 and 2018, respectively.
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