XML 150 R131.htm IDEA: XBRL DOCUMENT v3.20.4
Strategic Lines of Business and Markets (Market Segment Financial Results) (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2019
Sep. 30, 2019
Jun. 30, 2019
Mar. 31, 2019
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Net interest income (expense) $ 469 $ 458 $ 471 $ 513 $ 544 $ 586 $ 603 $ 606 $ 1,911 $ 2,339 $ 2,352
Provision for credit losses (17) 5 138 411 8 35 44 (13) 537 74 (1)
Noninterest income                 1,001 1,010 976
Noninterest expenses 473 446 440 425 451 435 424 433 1,784 1,743 1,794
Provision (benefit) for income taxes (63) (48) (27) 21 (82) (80) (87) (85) (117) (334) (300)
Net Income $ 215 $ 211 $ 113 $ (65) $ 269 $ 292 $ 298 $ 339 474 1,198 1,235
Net loan charge-offs (recoveries)                 196 107 51
Assets, average                 81,146 71,488 70,724
Loans, average                 51,631 50,511 48,766
Deposits, average                 $ 65,038 $ 55,481 $ 55,935
Return on average assets [1]                 0.58% 1.68% 1.75%
Efficiency ratio [2]                 61.15% 51.82% 53.56%
Michigan [Domain]                      
Net interest income (expense)                 $ 660 $ 729 $ 727
Provision for credit losses                 95 (11) 30
Noninterest income                 273 291 296
Noninterest expenses                 559 554 577
Provision (benefit) for income taxes                 (54) (108) (90)
Net Income                 225 369 326
Net loan charge-offs (recoveries)                 14 11 7
Assets, average                 13,179 13,149 13,202
Loans, average                 12,509 12,553 12,531
Deposits, average                 $ 23,500 $ 20,081 $ 20,770
Return on average assets [1]                 0.92% 1.77% 1.52%
Efficiency ratio [2]                 59.76% 54.01% 56.21%
California [Domain]                      
Net interest income (expense)                 $ 723 $ 808 $ 786
Provision for credit losses                 134 (33) 26
Noninterest income                 147 173 164
Noninterest expenses                 414 406 424
Provision (benefit) for income taxes                 (75) (154) (123)
Net Income                 247 454 377
Net loan charge-offs (recoveries)                 31 8 27
Assets, average                 18,562 18,731 18,422
Loans, average                 18,265 18,413 18,161
Deposits, average                 $ 19,386 $ 16,846 $ 16,951
Return on average assets [1]                 1.21% 2.42% 2.05%
Efficiency ratio [2]                 47.58% 41.28% 44.64%
Texas [Domain]                      
Net interest income (expense)                 $ 465 $ 493 $ 474
Provision for credit losses                 270 119 (53)
Noninterest income                 120 128 130
Noninterest expenses                 359 345 365
Provision (benefit) for income taxes                 11 (38) (64)
Net Income                 (33) 119 228
Net loan charge-offs (recoveries)                 151 93 12
Assets, average                 11,287 11,269 10,380
Loans, average                 10,813 10,616 9,812
Deposits, average                 $ 10,209 $ 8,780 $ 8,991
Return on average assets [1]                 (0.28%) 1.06% 2.20%
Efficiency ratio [2]                 61.28% 55.59% 60.30%
Other Markets                      
Net interest income (expense)                 $ 429 $ 376 $ 355
Provision for credit losses                 38 (5) (1)
Noninterest income                 388 365 359
Noninterest expenses                 414 370 376
Provision (benefit) for income taxes                 (79) (74) (60)
Net Income                 286 302 279
Net loan charge-offs (recoveries)                 0 (5) 5
Assets, average                 11,020 9,732 9,049
Loans, average                 10,052 8,934 8,273
Deposits, average                 $ 10,742 $ 7,916 $ 8,157
Return on average assets [1]                 2.45% 3.10% 3.08%
Efficiency ratio [2]                 50.66% 49.90% 52.82%
Finance & Other                      
Net interest income (expense)                 $ (366) $ (67) $ 10
Provision for credit losses                 0 4 (3)
Noninterest income                 73 53 27
Noninterest expenses                 38 68 52
Provision (benefit) for income taxes                 80 40 37
Net Income                 (251) (46) 25
Net loan charge-offs (recoveries)                 0 0 0
Assets, average                 27,098 18,607 19,671
Loans, average                 (8) (5) (11)
Deposits, average                 $ 1,201 $ 1,858 $ 1,066
[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 net gains (losses) from securities and a derivative contract tied to the conversion rate of Visa Class B shares.