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Business Segment Information (Market Segment Financial Results) (Details) - USD ($)
$ in Millions
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Net interest income (expense) $ 606 $ 549
Provision for credit losses (13) 12
Noninterest income 238 244
Noninterest expenses 433 446
Provision (benefit) for income taxes 85 54
Net income (loss) 339 281
Net credit-related charge-offs (recoveries) 11 28
Assets, average 69,771 70,326
Loans, average 49,677 48,421
Deposits, average $ 53,996 $ 56,090
Return on average assets [1] 1.97% 1.62%
Efficiency ratio [2] 50.81% 56.33%
Discrete tax benefits $ 11 $ 22
Michigan    
Net interest income (expense) 187 175
Provision for credit losses 5 34
Noninterest income 71 73
Noninterest expenses 140 144
Provision (benefit) for income taxes 26 17
Net income (loss) 87 53
Net credit-related charge-offs (recoveries) 4 (1)
Assets, average 13,075 13,395
Loans, average 12,557 12,604
Deposits, average $ 19,893 $ 21,224
Return on average assets [1] 1.74% 0.98%
Efficiency ratio [2] 53.82% 57.99%
California    
Net interest income (expense) $ 205 $ 188
Provision for credit losses (1) (2)
Noninterest income 41 39
Noninterest expenses 100 106
Provision (benefit) for income taxes 37 32
Net income (loss) 110 91
Net credit-related charge-offs (recoveries) (3) 13
Assets, average 19,048 18,582
Loans, average 18,768 18,347
Deposits, average $ 16,245 $ 17,091
Return on average assets [1] 2.32% 1.98%
Efficiency ratio [2] 40.85% 46.82%
Texas    
Net interest income (expense) $ 122 $ 111
Provision for credit losses (11) (14)
Noninterest income 32 31
Noninterest expenses 84 92
Provision (benefit) for income taxes 19 15
Net income (loss) 62 49
Net credit-related charge-offs (recoveries) 13 5
Assets, average 10,920 10,373
Loans, average 10,270 9,830
Deposits, average $ 8,698 $ 9,188
Return on average assets [1] 2.30% 1.91%
Efficiency ratio [2] 54.60% 64.71%
Other Markets    
Net interest income (expense) $ 91 $ 78
Provision for credit losses (8) (8)
Noninterest income 87 88
Noninterest expenses 91 91
Provision (benefit) for income taxes 19 15
Net income (loss) 76 68
Net credit-related charge-offs (recoveries) (3) 11
Assets, average 8,852 8,361
Loans, average 8,082 7,640
Deposits, average $ 7,898 $ 7,670
Return on average assets [1] 3.48% 3.32%
Efficiency ratio [2] 50.99% 54.98%
Finance & Other    
Net interest income (expense) $ 1 $ (3)
Provision for credit losses 2 2
Noninterest income 7 13
Noninterest expenses 18 13
Provision (benefit) for income taxes [3] (16) (25)
Net income (loss) 4 20
Net credit-related charge-offs (recoveries) 0 0
Assets, average 17,876 19,615
Loans, average 0 0
Deposits, average $ 1,262 $ 917
[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 and noninterest income excluding gains (losses) from securities and a derivative contract tied to the conversion rate of Visa Class B shares.
[3] Included discrete tax benefits of $11 million and $22 million for the three months ended March 31, 2019 and 2018, respectively.