| 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: | | | | | | | | | | | | | 2022 | | 2021 | | | (In millions) | | Commercial and industrial | $ | 50,905 | | | $ | 43,758 | | | Commercial real estate mortgage—owner-occupied | 5,103 | | | 5,287 | | | Commercial real estate construction—owner-occupied | 298 | | | 264 | | | Total commercial | 56,306 | | | 49,309 | | | Commercial investor real estate mortgage | 6,393 | | | 5,441 | | | Commercial investor real estate construction | 1,986 | | | 1,586 | | | Total investor real estate | 8,379 | | | 7,027 | | | Residential first mortgage | 18,810 | | | 17,512 | | | Home equity lines | 3,510 | | | 3,744 | | | Home equity loans | 2,489 | | | 2,510 | | | Consumer credit card | 1,248 | | | 1,184 | | | Other consumer—exit portfolio | 570 | | | 1,071 | | | Other consumer | 5,697 | | | 5,427 | | | Total consumer | 32,324 | | | 31,448 | | Total loans, net of unearned income (1) | $ | 97,009 | | | $ | 87,784 | |
_________ (1)Loans are presented net of unearned income, unamortized discounts and premiums and deferred loan fees and costs of $894 million and $630 million at December 31, 2022 and 2021,
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