XML 165 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
Receivables - TDR Loans (Detail) (USD $)
In Millions, unless otherwise specified
Jun. 30, 2013
Dec. 31, 2012
Financing Receivable, Modifications [Line Items]    
TDR Loans $ 15,958 [1],[2],[3],[4] $ 16,404 [1],[2],[3],[4]
Total modifications unpaid principal 19,391 20,935
TDR Loans held for investment 726 1,500
Receivables Held For Sale [Member]
   
Financing Receivable, Modifications [Line Items]    
Total modifications unpaid principal   2,500
Real Estate Secured [Member] | Receivables Held For Sale [Member]
   
Financing Receivable, Modifications [Line Items]    
Total modifications unpaid principal 3,500 1,900
Real estate secured [Member]
   
Financing Receivable, Modifications [Line Items]    
TDR Loans 15,958 [1],[2],[3],[5] 15,812 [1],[2],[3],[5]
Credit loss reserves for TDR loans 3,284 [3],[4] 3,627 [3],[4]
Total modifications unpaid principal 19,391 19,796
First Lien [Member]
   
Financing Receivable, Modifications [Line Items]    
TDR Loans 14,813 [1],[2],[3] 14,607 [1],[2],[3]
Credit loss reserves for TDR loans 2,826 3,104
Total modifications unpaid principal 18,102 18,451
Second Lien [Member]
   
Financing Receivable, Modifications [Line Items]    
TDR Loans 1,145 [1],[2],[3] 1,205 [1],[2],[3]
Credit loss reserves for TDR loans 458 523
Total modifications unpaid principal 1,289 1,345
Personal non-credit card [Member]
   
Financing Receivable, Modifications [Line Items]    
TDR Loans 0 [1],[2],[3] 592 [1],[2],[3]
Total modifications unpaid principal $ 0 $ 1,139
[1] The TDR Loan balances included in the table above reflect the current carrying amount of TDR Loans and includes all basis adjustments on the loan, such as unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans as well as any charge-off recorded in accordance with our existing charge-off policies. Additionally, the carrying amount of TDR Loans classified as held for sale has been reduced by both the lower of amortized cost or fair value adjustment as well as the credit loss reserves associated with these receivables prior to the transfer. The following table reflects the unpaid principal balance of TDR Loans: June 30, 2013 December 31, 2012 (in millions)Real estate secured: First lien$18,102 $18,451Second lien1,289 1,345Total real estate secured19,391 19,796Personal non-credit card— 1,139Total TDR Loans$19,391 $20,935
[2] TDR Loans are considered to be impaired loans regardless of accrual status.
[3] At June 30, 2013 and December 31, 2012, $3.5 billion of real estate secured receivables and $2.5 billion (of which $1.9 billion are real estate secured receivables) of TDR Loans were reported as receivables held for sale for which there are no credit loss reserves as they are carried at the lower of amortized cost or fair value.
[4] Included in credit loss reserves.
[5] At June 30, 2013 and December 31, 2012, TDR Loans held for investment totaling $726 million and $1.5 billion, respectively, are recorded at the lower of amortized cost or fair value of the collateral less cost to sell.