Business Segment Information (Tables)

12 Months Ended

Dec. 31, 2013

Business segment financial results are as follows:



(dollar amounts in millions)	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Year Ended December 31, 2013	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	1,503		$	610		$	184		$	(653	)	$	31		$	1,675
Provision for credit losses	54			13			(18		)	—			(3		)	46
Noninterest income	326			175			252			61			12			826
Noninterest expenses	643			708			319			10			42			1,722
Provision (benefit) for income taxes (FTE)	347			22			48			(226		)	1			192
Net income (loss)	$	785		$	42		$	87		$	(376	)	$	3		$	541
Net credit-related charge-offs	$	43		$	22		$	8		$	—		$	—		$	73

Selected average balances:
Assets	$	35,532		$	5,974		$	4,807		$	11,422		$	6,201		$	63,936
Loans	34,473			5,289			4,650			—			—			44,412
Deposits	26,169			21,247			3,775			312			208			51,711

Statistical data:
Return on average assets (a)	2.21		%	0.19		%	1.82		%	N/M			N/M			0.85		%
Efficiency ratio (b)	35.18			89.95			73.14			N/M			N/M			68.83



(dollar amounts in millions)	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Year Ended December 31, 2012	Business Bank			Retail Bank			Wealth Management			Finance			Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	1,517		$	647		$	187		$	(658	)	$	38		$	1,731
Provision for credit losses	34			24			19			—			2			79
Noninterest income	319			173			258			60			8			818
Noninterest expenses	602			723			320			12			100			1,757
Provision (benefit) for income taxes (FTE)	374			23			39			(228		)	(16		)	192
Net income (loss)	$	826		$	50		$	67		$	(382	)	$	(40	)	$	521
Net credit-related charge-offs	$	107		$	40		$	23		$	—		$	—		$	170

Selected average balances:
Assets	$	34,447		$	6,008		$	4,623		$	11,881		$	5,613		$	62,572
Loans	33,470			5,308			4,528			—			—			43,306
Deposits	24,837			20,623			3,680			206			187			49,533

Statistical data:
Return on average assets (a)	2.40		%	0.23		%	1.45		%	N/M			N/M			0.83		%
Efficiency ratio (b)	32.79			87.93			74.21			N/M			N/M			69.24

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(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)	$	1,390		$	621		$	182		$	(572	)	$	36		$	1,657
Provision for credit losses	29			77			40			—			(2		)	144
Noninterest income	306			169			239			74			4			792
Noninterest expenses	650			683			315			11			112			1,771
Provision (benefit) for income taxes (FTE)	318			12			25			(193		)	(21		)	141
Net income (loss)	$	699		$	18		$	41		$	(316	)	$	(49	)	$	393
Net credit-related charge-offs	$	199		$	89		$	40		$	—		$	—		$	328

Selected average balances:
Assets	$	30,686		$	5,815		$	4,720		$	10,252		$	5,444		$	56,917
Loans	30,074			5,292			4,709			—			—			40,075
Deposits	21,394			18,912			3,096			231			129			43,762

Statistical data:
Return on average assets (a)	2.27		%	0.09		%	0.87		%	N/M			N/M			0.69		%
Efficiency ratio (b)	38.33			85.57			76.74			N/M			N/M			72.73


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

(b) Noninterest expenses as a percentage of the sum of net interest income (FTE) and noninterest income excluding net securities gains.

FTE – Fully Taxable Equivalent

N/M – not meaningful

Market Segment Financial Results

Market segment financial results are as follows:



(dollar amounts in millions)	Michigan			California			Texas			Other Markets			Finance & Other			Total
Year Ended December 31, 2013	Michigan			California			Texas			Other Markets			Finance & Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	751		$	692		$	541		$	313		$	(622	)	$	1,675
Provision for credit losses	(12		)	18			35			8			(3		)	46
Noninterest income	357			150			132			114			73			826
Noninterest expenses	714			396			363			197			52			1,722
Provision (benefit) for income taxes (FTE)	145			160			98			14			(225		)	192
Net income (loss)	$	261		$	268		$	177		$	208		$	(373	)	$	541
Net credit-related charge-offs	$	6		$	27		$	20		$	20		$	—		$	73

Selected average balances:
Assets	$	13,879		$	14,229		$	10,694		$	7,511		$	17,623		$	63,936
Loans	13,461			13,974			9,989			6,988			—			44,412
Deposits	20,346			14,705			10,247			5,893			520			51,711

Statistical data:
Return on average assets (a)	1.22		%	1.71		%	1.54		%	2.77		%	N/M			0.85		%
Efficiency ratio (b)	64.38			47.06			53.86			46.12			N/M			68.83

(Table continues on following page)



(dollar amounts in millions)	Michigan			California			Texas			Other Markets			Finance & Other			Total
Year Ended December 31, 2012	Michigan			California			Texas			Other Markets			Finance & Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	777		$	692		$	564		$	318		$	(620	)	$	1,731
Provision for credit losses	(16		)	17			47			29			2			79
Noninterest income	385			136			124			105			68			818
Noninterest expenses	707			395			360			183			112			1,757
Provision (benefit) for income taxes (FTE)	165			158			99			14			(244		)	192
Net income (loss)	$	306		$	258		$	182		$	197		$	(422	)	$	521
Net credit-related charge-offs	$	41		$	47		$	22		$	60		$	—		$	170

Selected average balances:
Assets	$	13,921		$	12,978		$	10,307		$	7,872		$	17,494		$	62,572
Loans	13,618			12,736			9,552			7,400			—			43,306
Deposits	19,573			14,568			10,040			4,959			393			49,533

Statistical data:
Return on average assets (a)	1.48		%	1.66		%	1.62		%	2.50		%	N/M			0.83		%
Efficiency ratio (b)	60.75			47.65			52.28			44.84			N/M			69.24



(dollar amounts in millions)	Michigan			California			Texas			Other Markets			Finance & Other			Total
Year Ended December 31, 2011	Michigan			California			Texas			Other Markets			Finance & Other			Total
Earnings summary:
Net interest income (expense) (FTE)	$	795		$	637		$	468		$	293		$	(536	)	$	1,657
Provision for credit losses	84			21			2			39			(2		)	144
Noninterest income	379			136			103			96			78			792
Noninterest expenses	735			405			294			214			123			1,771
Provision (benefit) for income taxes (FTE)	127			127			100			1			(214		)	141
Net income (loss)	$	228		$	220		$	175		$	135		$	(365	)	$	393
Net credit-related charge-offs	$	148		$	75		$	17		$	88		$	—		$	328

Selected average balances:
Assets	$	14,155		$	12,017		$	8,092		$	6,957		$	15,696		$	56,917
Loans	13,933			11,823			7,705			6,614			—			40,075
Deposits	18,535			12,667			7,805			4,395			360			43,762

Statistical data:
Return on average assets (a)	1.16		%	1.61		%	2.05		%	1.94		%	N/M			0.69		%
Efficiency ratio (b)	62.22			52.37			51.45			56.54			N/M			72.73


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

(b) Noninterest expenses as a percentage of the sum of net interest income (FTE) and noninterest income excluding net securities gains.

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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