XML 27 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
Business Segment Information (Market Segment Financial Results) (Details) (USD $)
In Millions, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
Net interest income (expense) (FTE)     $ 828 $ 831
Provision for credit losses 11 13 20 29
Noninterest income 220 222 428 435
Noninterest expenses 404 416 810 832
Provision (benefit) for income taxes (FTE)     136 128
Net income (loss) 151 143 290 277
Net credit-related charge-offs (recoveries)     21 41
Assets, average     64,794 63,733
Loans, average     45,905 44,756
Deposits, average     53,079 51,095
Return on average assets     0.90% [1] 0.87% [1]
Efficiency ratio     64.55% [2] 65.59% [2]
Michigan
       
Net interest income (expense) (FTE)     364 378
Provision for credit losses     (5) (4)
Noninterest income     182 180
Noninterest expenses     320 329
Provision (benefit) for income taxes (FTE)     82 82
Net income (loss)     149 151
Net credit-related charge-offs (recoveries)     10 9
Assets, average     13,835 14,033
Loans, average     13,478 13,626
Deposits, average     20,668 20,206
Return on average assets     1.37% [1] 1.42% [1]
Efficiency ratio     58.69% [2] 58.85% [2]
California
       
Net interest income (expense) (FTE)     349 344
Provision for credit losses     25 24
Noninterest income     72 71
Noninterest expenses     197 197
Provision (benefit) for income taxes (FTE)     74 71
Net income (loss)     125 123
Net credit-related charge-offs (recoveries)     15 22
Assets, average     15,429 13,976
Loans, average     15,133 13,728
Deposits, average     15,078 14,514
Return on average assets     1.56% [1] 1.59% [1]
Efficiency ratio     46.75% [2] 47.39% [2]
Texas
       
Net interest income (expense) (FTE)     273 266
Provision for credit losses     29 13
Noninterest income     62 65
Noninterest expenses     178 180
Provision (benefit) for income taxes (FTE)     46 48
Net income (loss)     82 90
Net credit-related charge-offs (recoveries)     8 3
Assets, average     11,367 10,841
Loans, average     10,667 10,125
Deposits, average     10,799 10,074
Return on average assets     1.37% [1] 1.59% [1]
Efficiency ratio     53.22% [2] 54.19% [2]
Other Markets
       
Net interest income (expense) (FTE)     148 161
Provision for credit losses     (20) (1)
Noninterest income     79 84
Noninterest expenses     93 96
Provision (benefit) for income taxes (FTE)     39 39
Net income (loss)     115 111
Net credit-related charge-offs (recoveries)     (12) 7
Assets, average     7,074 7,796
Loans, average     6,627 7,277
Deposits, average     5,986 5,794
Return on average assets     3.25% [1] 2.85% [1]
Efficiency ratio     41.11% [2] 39.34% [2]
Finance & Other
       
Net interest income (expense) (FTE)     (306) (318)
Provision for credit losses     (9) (3)
Noninterest income     33 35
Noninterest expenses     22 30
Provision (benefit) for income taxes (FTE)     (105) (112)
Net income (loss)     (181) (198)
Net credit-related charge-offs (recoveries)     0 0
Assets, average     17,089 17,087
Loans, average     0 0
Deposits, average     $ 548 $ 507
[1] Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity.
[2] Noninterest expenses as a percentage of the sum of net interest income (FTE) and noninterest income excluding net securities gains.