| 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: | | | | | | | | | | | | | 2020 | | 2019 | | | (In millions) | | Commercial and industrial | $ | 42,870 | | | $ | 39,971 | | | Commercial real estate mortgage—owner-occupied | 5,405 | | | 5,537 | | | Commercial real estate construction—owner-occupied | 300 | | | 331 | | | Total commercial | 48,575 | | | 45,839 | | | Commercial investor real estate mortgage | 5,394 | | | 4,936 | | | Commercial investor real estate construction | 1,869 | | | 1,621 | | | Total investor real estate | 7,263 | | | 6,557 | | | Residential first mortgage | 16,575 | | | 14,485 | | | Home equity lines | 4,539 | | | 5,300 | | | Home equity loans | 2,713 | | | 3,084 | | | Indirect—vehicles | 934 | | | 1,812 | | | Indirect—other consumer | 2,431 | | | 3,249 | | | Consumer credit card | 1,213 | | | 1,387 | | | Other consumer | 1,023 | | | 1,250 | | | Total consumer | 29,428 | | | 30,567 | | Total loans, net of unearned income (1) | $ | 85,266 | | | $ | 82,963 | |
_________ (1)Loans are presented net of unearned income, unamortized discounts and premiums and net deferred loan costs of $678 million and $234 million at December 31, 2020 and 2019, respectively.
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