XML 153 R136.htm IDEA: XBRL DOCUMENT v3.8.0.1
Business Segment Information (Market Segment Financial Results) (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Dec. 31, 2017
Sep. 30, 2017
Jun. 30, 2017
Mar. 31, 2017
Dec. 31, 2016
Sep. 30, 2016
Jun. 30, 2016
Mar. 31, 2016
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Net interest income (expense) $ 545 $ 546 $ 500 $ 470 $ 455 $ 450 $ 445 $ 447 $ 2,061 $ 1,797 $ 1,689
Provision for credit losses                 74 248 147
Noninterest income                 1,107 1,051 1,035
Noninterest expenses 483 463 457 457 461 493 518 458 1,860 1,930 1,827
Provision (benefit) for income taxes (218) (108) (99) (66) (62) (64) (42) (25) (491) (193) (229)
Net income (loss) $ 112 $ 226 $ 203 $ 202 $ 164 $ 149 $ 104 $ 60 743 477 521
Net loan charge-offs (recoveries)                 92 157 101
Assets, average                 71,452 71,743 70,247
Loans, average                 48,558 48,996 48,628
Deposits, average                 $ 57,258 $ 57,741 $ 58,326
Return on average assets [1],[2]                 1.04% 0.67% 0.74%
Efficiency ratio [3],[4]                 58.57% 67.53% 66.93%
Remeasurement of deferred taxes as a result of the enactment of the Tax Cuts and Jobs Act                 $ (107) $ 0 $ 0
Income tax benefit related to employee stock transactions                 (35) 0 0
Michigan                      
Net interest income (expense)                 685 666 708
Provision for credit losses                 8 9 (27)
Noninterest income                 324 320 329
Noninterest expenses                 590 620 594
Provision (benefit) for income taxes                 (147) (114) (151)
Net income (loss)                 264 243 319
Net loan charge-offs (recoveries)                 (1) 9 8
Assets, average                 13,395 13,105 13,598
Loans, average                 12,677 12,457 13,016
Deposits, average                 $ 21,823 $ 21,777 $ 21,848
Return on average assets [2]                 1.17% 1.08% 1.40%
Efficiency ratio [4]                 58.30% 62.33% 56.93%
California                      
Net interest income (expense)                 $ 719 $ 716 $ 735
Provision for credit losses                 100 21 17
Noninterest income                 171 162 150
Noninterest expenses                 404 434 405
Provision (benefit) for income taxes                 (148) (152) (166)
Net income (loss)                 238 271 297
Net loan charge-offs (recoveries)                 33 26 18
Assets, average                 18,269 18,012 17,044
Loans, average                 18,008 17,731 16,778
Deposits, average                 $ 17,533 $ 17,438 $ 17,788
Return on average assets [2]                 1.29% 1.46% 1.57%
Efficiency ratio [4]                 45.26% 49.55% 45.88%
Texas                      
Net interest income (expense)                 $ 465 $ 470 $ 518
Provision for credit losses                 (72) 225 131
Noninterest income                 131 129 131
Noninterest expenses                 375 408 387
Provision (benefit) for income taxes                 (109) 12 (54)
Net income (loss)                 184 (22) 77
Net loan charge-offs (recoveries)                 46 118 46
Assets, average                 10,443 11,101 11,778
Loans, average                 9,969 10,637 11,168
Deposits, average                 $ 9,625 $ 10,168 $ 10,882
Return on average assets [2]                 1.69% (0.18%) 0.62%
Efficiency ratio [4]                 62.80% 67.94% 59.63%
Other Markets                      
Net interest income (expense)                 $ 331 $ 350 $ 336
Provision for credit losses                 36 (7) 25
Noninterest income                 423 393 381
Noninterest expenses                 449 445 431
Provision (benefit) for income taxes                 (75) (81) (64)
Net income (loss)                 194 224 197
Net loan charge-offs (recoveries)                 14 4 29
Assets, average                 8,573 9,062 8,708
Loans, average                 7,904 8,171 7,673
Deposits, average                 $ 7,874 $ 8,005 $ 7,403
Return on average assets [2]                 2.25% 2.47% 2.26%
Efficiency ratio [4]                 59.57% 59.86% 59.92%
Finance & Other                      
Net interest income (expense)                 $ (139) $ (405) $ (608)
Provision for credit losses                 2 0 1
Noninterest income                 58 47 44
Noninterest expenses                 42 23 10
Provision (benefit) for income taxes                 (12) [5] 142 206
Net income (loss)                 (137) (239) (369)
Net loan charge-offs (recoveries)                 0 0 0
Assets, average                 20,772 20,463 19,119
Loans, average                 0 0 (7)
Deposits, average                 403 353 405
Accounting Standards Update 2018-01 | Finance & Other                      
Remeasurement of deferred taxes as a result of the enactment of the Tax Cuts and Jobs Act                 (107)    
Accounting Standards Update 2016-09                      
Income tax benefit related to employee stock transactions                 35 $ 4 $ 3
Accounting Standards Update 2016-09 | Finance & Other                      
Income tax benefit related to employee stock transactions                 $ 35    
[1] Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity.
[2] Return on average assets is calculated based on the greater of average assets or average liabilities and attributed equity.
[3] Noninterest expenses as a percentage of the sum of net interest income (fully taxable equivalent basis) and noninterest income excluding net securities gains.
[4] Noninterest expenses as a percentage of the sum of net interest income (fully taxable equivalent basis) and noninterest income excluding net securities gains.
[5] Included a $107 million charge to adjust deferred taxes as a result of the enactment of the Tax Cuts and Jobs Act and a $35 million tax benefit from employee stock transactions.