Loans Aquired with Deteriorated Credit Quality (Tables)

12 Months Ended

Dec. 31, 2011

Outstanding Balance of all Contractually Required Payments and Carrying Amounts of Loans Acquired with Deteriorated Credit Quality

The following table reflects the outstanding balance of all contractually required payments and carrying amounts of loans acquired with deteriorated credit quality at December 31

($ in millions)		2011	2010
Commercial	$	9	15
Consumer		28	58
Outsanding balance	$	37	73
Carrying Amount	$	11	24

Amount of Difference in the Expected Cash Flows of Acquired Loans and the Initial Investment in the Acquired Loans

A summary of activity in the accretable yield is provided

			Accretable
($ in millions)			Yield
Balance as of December 31, 2008		$	28
	Additions		-
	Accretion		(6)
	Disposals		-
	Reclassifications from (to) nonaccretable differences, net		(13)
Balance as of December 31, 2009		$	9
	Additions		-
	Accretion		(2)
	Disposals		(2)
	Reclassifications from (to) nonaccretable differences, net		(3)
Balance as of December 31, 2010		$	2
	Additions		-
	Accretion		(2)
	Disposals		-
	Reclassifications from (to) nonaccretable differences, net		-
Balance as of December 31, 2011		$	-

Loans that were Acquired with Deteriorated Credit Quality

The following table reflects loans that were acquired with deteriorated credit quality during the years ended December 31

($ in millions)		2011	2010	2009
Contractually required payments receivable at acquisition:
Commercial	$	-	-	-
Consumer		-	23	-
Total	$	-	23	-
Cash flows expected to be collected at acquisition	$	-	8	-
Fair value of acquired loans at acquisition		-	8	-