Consolidated Balance Sheets (USD $) In Millions, unless otherwise specified	Dec. 31, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 1,419	$ 946
Interest bearing deposits in banks (includes $8 at December 31, 2011 and $11 at December 31, 2010 related to consolidated variable interest entities (VIEs))	2,764	217
Federal funds sold and securities purchased under resale agreements	12	11
Total cash and cash equivalents	4,195	1,174
Trading account assets (includes $14 at December 31, 2011 and $43 at December 31, 2010 of assets pledged as collateral)	1,135	999
Securities available for sale (includes $10 at December 31, 2010 of securities pledged as collateral)	22,833	20,791
Securities held to maturity (Fair value: December 31, 2011, $1,429; December 31, 2010, $1,560)	1,273	1,323
Loans held for investment:
Loans, excluding Federal Deposit Insurance Corporation (FDIC) covered loans	52,591	46,584
FDIC covered loans	949	1,510
Total loans held for investment	53,540	48,094
Allowance for loan losses	(764)	(1,191)
Loans held for investment, net	52,776	46,903
Premises and equipment, net	684	712
Intangible assets	360	457
Goodwill	2,457	2,456
FDIC indemnification asset	598	783
Other assets (includes $286 at December 31, 2011 and $283 at December 31, 2010 related to consolidated VIEs)	3,365	3,499
Total assets	89,676	79,097
Deposits:
Noninterest bearing	20,598	16,343
Interest bearing	43,822	43,611
Total deposits	64,420	59,954
Commercial paper and other short-term borrowings	3,683	1,356
Long-term debt (includes $8 at December 31, 2011 and December 31, 2010 related to consolidated VIEs)	6,684	5,598
Trading account liabilities	1,040	774
Other liabilities (includes $1 at December 31, 2011 and $2 at December 31, 2010 related to consolidated VIEs)	2,019	1,024
Total liabilities	77,846	68,706
Commitments, contingencies and guarantees-See Note 20
Preferred stock:
Authorized 5,000,000 shares; no shares issued or outstanding
Common stock, par value $1 per share:
Authorized 300,000,000 shares, 136,330,830 shares issued and outstanding as of December 31, 2011 and 136,330,829 shares issued and outstanding as of December 31, 2010	136	136
Additional paid-in capital	5,989	5,198
Retained earnings	6,246	5,468
Accumulated other comprehensive loss	(809)	(677)
Total UNBC stockholder's equity	11,562	10,125
Noncontrolling interests	268	266
Total equity	11,830	10,391
Total liabilities and equity	$ 89,676	$ 79,097

Loans acquired in a transfer, including business combinations, where there is evidence of credit deterioration since origination and it is probable at the date of acquisition that the Company will not collect all contractually required principal and interest payments are accounted for under accounting guidance for purchased credit-impaired loans. This guidance provides that the excess of the cash flows initially expected to be collected over the fair value of the loans at the acquisition date (i.e., the acceptable yield) is accreted into interest income over the estimated remaining life of the purchased credit-impaired loans using the effective yield method, provided that the timing and amount of future cash flows is reasonably estimable. Other acquired loans are recorded at fair value at acquisition date, factoring in credit losses expected to be incurred over the life of the loan. Accordingly, an allowance for loan losses is not carried over or recorded for other acquired loans as of the acquisition date. The difference between the acquisition date fair value and the expected cash flows is accreted to interest income over the remaining life of the other acquired loans when they are performing or upon prepayment.

No definition available.