Business Segment Information (Tables)

12 Months Ended

Dec. 31, 2011

Business segment financial results are as follows:



(dollar amounts in millions)	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Year Ended December 31, 2011	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	1,427		$	630		$	184		$	(619	)	$	35		$	1,657
Provision for loan losses	38			79			40			—			(4		)	153
Noninterest income	306			169			239			68			10			792
Noninterest expenses	641			681			315			12			113			1,762
Provision (benefit) for income taxes (FTE)	331			16			26			(213		)	(19		)	141
Net income (loss)	$	723		$	23		$	42		$	(350	)	$	(45	)	$	393
Net credit-related charge-offs	$	199		$	89		$	40		$	—		$	—		$	328
Selected average balances:
Assets	$	30,691		$	5,814		$	4,720		$	10,213		$	5,479		$	56,917
Loans	30,055			5,292			4,704			18			6			40,075
Deposits	21,394			18,912			3,096			231			129			43,762
Statistical data:
Return on average assets (a)	2.35		%	0.12		%	0.89		%	n/m			n/m			0.69		%
Efficiency ratio	36.97			84.52			76.37			n/m			n/m			72.39



(dollar amounts in millions)	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Year Ended December 31, 2010	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	1,370		$	531		$	170		$	(424	)	$	4		$	1,651
Provision for loan losses	286			105			90			—			(1		)	480
Noninterest income	303			174			240			60			12			789
Noninterest expenses	632			648			324			18			18			1,640
Provision (benefit) for income taxes (FTE)	226			(17		)	(1		)	(148		)	—			60
Income from discontinued operations, net of tax	—			—			—			—			17			17
Net income (loss)	$	529		$	(31	)	$	(3	)	$	(234	)	$	16		$	277
Net credit-related charge-offs	$	424		$	88		$	52		$	—		$	—		$	564
Selected average balances:
Assets	$	30,673		$	5,865		$	4,863		$	9,256		$	4,896		$	55,553
Loans	30,286			5,386			4,819			26			—			40,517
Deposits	19,001			16,974			2,762			638			111			39,486
Statistical data:
Return on average assets (a)	1.73		%	(0.18		)%	(0.06		)%	n/m			n/m			0.50		%
Efficiency ratio	37.77			91.26			80.52			n/m			n/m			67.30

(Table continues on following page).



(dollar amounts in millions)	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Year Ended December 31, 2009	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	1,328		$	510		$	161		$	(461	)	$	37		$	1,575
Provision for loan losses	860			143			62			—			17			1,082
Noninterest income	291			190			269			292			8			1,050
Noninterest expenses	638			642			302			17			51			1,650
Provision (benefit) for income taxes (FTE)	(26		)	(37		)	23			(76		)	(7		)	(123		)
Income from discontinued operations, net of tax	—			—			—			—			1			1
Net income (loss)	$	147		$	(48	)	$	43		$	(110	)	$	(15	)	$	17
Net credit-related charge-offs	$	712		$	119		$	38		$	—		$	—		$	869
Selected average balances:
Assets	$	36,102		$	6,566		$	4,883		$	11,777		$	3,481		$	62,809
Loans	35,402			6,007			4,758			1			(6		)	46,162
Deposits	15,395			17,409			2,654			4,564			69			40,091
Statistical data:
Return on average assets (a)	0.41		%	(0.27		)%	0.87		%	n/m			n/m			0.03		%
Efficiency ratio	39.40			91.69			72.60			n/m			n/m			69.25


(a)	Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity.

FTE - Fully Taxable Equivalent

n/m – not meaningful

Market Segment Financial Results

Market segment financial results are as follows:



(dollar amounts in millions)	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Year Ended December 31, 2011	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Earnings summary:
Net interest income (expense) (FTE)	$	808		$	665		$	477		$	45		$	169		$	77		$	(584	)	$	1,657
Provision for loan losses	91			32			3			24			9			(2		)	(4		)	153
Noninterest income	381			139			103			14			42			35			78			792
Noninterest expenses	738			432			293			49			89			36			125			1,762
Provision (benefit) for income taxes (FTE)	133			125			103			(5		)	(11		)	28			(232		)	141
Net income (loss)	$	227		$	215		$	181		$	(9	)	$	124		$	50		$	(395	)	$	393
Net credit-related charge-offs	$	148		$	89		$	17		$	35		$	36		$	3		$	—		$	328
Selected average balances:
Assets	$	14,168		$	12,323		$	8,092		$	1,492		$	3,433		$	1,717		$	15,692		$	56,917
Loans	13,937			12,103			7,705			1,520			3,146			1,640			24			40,075
Deposits	18,536			12,839			7,805			401			2,389			1,432			360			43,762
Statistical data:
Return on average assets (a)	1.15		%	1.56		%	2.12		%	(0.59		)%	3.60		%	2.92		%	n/m			0.69		%
Efficiency ratio	61.93			53.65			50.40			81.80			44.28			31.81			n/m			72.39



(dollar amounts in millions)	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Year Ended December 31, 2010	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Earnings summary:
Net interest income (expense) (FTE)	$	816		$	639		$	318		$	43		$	182		$	73		$	(420	)	$	1,651
Provision for loan losses	199			148			48			33			60			(7		)	(1		)	480
Noninterest income	397			135			91			14			45			35			72			789
Noninterest expenses	751			432			253			44			90			34			36			1,640
Provision (benefit) for income taxes (FTE)	92			80			38			(7		)	(23		)	28			(148		)	60
Income from discontinued operations, net of tax	—			—			—			—			—			—			17			17
Net income (loss)	$	171		$	114		$	70		$	(13	)	$	100		$	53		$	(218	)	$	277
Net credit-related charge-offs	$	211		$	212		$	47		$	30		$	59		$	5		$	—		$	564
Selected average balances:
Assets	$	14,694		$	12,904		$	6,687		$	1,567		$	3,922		$	1,627		$	14,152		$	55,553
Loans	14,510			12,705			6,480			1,578			3,653			1,565			26			40,517
Deposits	17,697			12,031			5,320			376			2,160			1,153			749			39,486
Statistical data:
Return on average assets (a)	0.90		%	0.86		%	1.04		%	(0.86		)%	2.54		%	3.23		%	n/m			0.50		%
Efficiency ratio	61.59			55.73			61.88			77.99			41.44			31.55			n/m			67.30

(Table continues on following page).



(dollar amounts in millions)	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Year Ended December 31, 2009	Midwest			Western			Texas			Florida			Other Markets			International			Finance & Other Businesses			Total
Earnings summary:
Net interest income (expense) (FTE)	$	802		$	623		$	298		$	43		$	164		$	69		$	(424	)	$	1,575
Provision for loan losses	437			358			85			59			93			33			17			1,082
Noninterest income	433			133			86			12			52			34			300			1,050
Noninterest expenses	757			434			238			37			85			31			68			1,650
Provision (benefit) for income taxes (FTE)	—			(20		)	22			(17		)	(39		)	14			(83		)	(123		)
Income from discontinued operations, net of tax	—			—			—			—			—			—			1			1
Net income (loss)	$	41		$	(16	)	$	39		$	(24	)	$	77		$	25		$	(125	)	$	17
Net credit-related charge-offs	$	345		$	327		$	53		$	48		$	78		$	18		$	—		$	869
Selected average balances:
Assets	$	17,203		$	14,479		$	7,604		$	1,741		$	4,570		$	1,954		$	15,258		$	62,809
Loans	16,592			14,281			7,384			1,745			4,256			1,909			(5		)	46,162
Deposits	17,105			11,104			4,512			311			1,598			828			4,633			40,091
Statistical data:
Return on average assets (a)	0.22		%	(0.11		)%	0.52		%	(1.34		)%	1.66		%	1.25		%	n/m			0.03		%
Efficiency ratio	61.24			57.45			61.92			66.96			42.40			30.31			n/m			69.25


(a)	Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity.

FTE—Fully Taxable Equivalent

n/m – not meaningful

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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