Business Segments (Tables)

9 Months Ended

Sep. 30, 2012

Results of Operations and Average Assets by Segment

						General
		Commercial	Branch	Consumer	Investment	Corporate
($ in millions)		Banking	Banking	Lending	Advisors	and Other	Eliminations	Total
Three months ended September 30, 2012
Net interest income	$	354	344	77	30	98	-	903
Provision for loan and lease losses		45	71	38	3	(92)	-	65
Net interest income after provision for loan
and lease losses		309	273	39	27	190	-	838
Noninterest income:
Mortgage banking net revenue		-	3	197	-	-	-	200
Service charges on deposits		57	70	-	1	-	-	128
Corporate banking revenue		96	4	-	1	-	-	101
Investment advisory revenue		1	33	-	90	-	(32)(a)	92
Card and processing revenue		11	72	-	1	(19)	-	65
Other noninterest income		18	21	10	14	15	-	78
Securities gains, net		-	-	-	-	2	-	2
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	5	-	-	-	5
Total noninterest income		183	203	212	107	(2)	(32)	671
Noninterest expense:
Salaries, wages and incentives		53	111	49	33	153	-	399
Employee benefits		7	31	9	6	26	-	79
Net occupancy expense		5	47	2	3	19	-	76
Technology and communications		3	1	-	-	45	-	49
Card and processing expense		1	29	-	-	-	-	30
Equipment expense		1	14	-	-	13	-	28
Other noninterest expense		201	172	107	67	(170)	(32)	345
Total noninterest expense		271	405	167	109	86	(32)	1,006
Income before income taxes		221	71	84	25	102	-	503
Applicable income tax expense		39	25	30	9	36	-	139
Net income		182	46	54	16	66	-	364
Less: Net income attributable to noncontrolling interests		-	-	-	-	1	-	1
Net income attributable to Bancorp		182	46	54	16	65	-	363
Dividends on preferred stock		-	-	-	-	9	-	9
Net income available to common shareholders	$	182	46	54	16	56	-	354
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	47,495	48,003	23,640	8,024	(9,679)	-	117,483

(a)     Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in the Condensed Consolidated Statements of Income.

						General
		Commercial	Branch	Consumer	Investment	Corporate
($ in millions)		Banking	Banking	Lending	Advisors	and Other	Eliminations	Total
Three months ended September 30, 2011
Net interest income	$	341	359	85	29	84	-	898
Provision for loan and lease losses		104	87	55	16	(175)	-	87
Net interest income after provision for loan
and lease losses		237	272	30	13	259	-	811
Noninterest income:
Mortgage banking net revenue		-	3	175	-	-	-	178
Service charges on deposits		53	81	-	1	(1)	-	134
Corporate banking revenue		82	4	-	1	-	-	87
Investment advisory revenue		3	30	-	89	-	(30)(a)	92
Card and processing revenue		10	78	-	1	(11)	-	78
Other noninterest income		11	19	10	-	24	-	64
Securities gains, net		-	-	-	-	26	-	26
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	6	-	-	-	6
Total noninterest income		159	215	191	92	38	(30)	665
Noninterest expense:
Salaries, wages and incentives		51	114	37	34	133	-	369
Employee benefits		9	31	8	6	16	-	70
Net occupancy expense		5	47	2	3	18	-	75
Technology and communications		2	1	-	-	45	-	48
Card and processing expense		1	33	-	-	-	-	34
Equipment expense		1	13	-	-	14		28
Other noninterest expense		189	160	111	62	(170)	(30)	322
Total noninterest expense		258	399	158	105	56	(30)	946
Income before income taxes		138	88	63	-	241	-	530
Applicable income tax expense		8	31	22	-	88	-	149
Net income		130	57	41	-	153	-	381
Less: Net income attributable to noncontrolling interest		-	-	-	-	-	-	-
Net income attributable to Bancorp		130	57	41	-	153	-	381
Dividends on preferred stock		-	-	-	-	8	-	8
Net income available to common shareholders	$	130	57	41	-	145	-	373
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	44,615	46,727	23,213	7,358	(7,008)	-	114,905

(a)     Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in theCondensed Consolidated Statements of Income.

						General
		Commercial	Branch	Consumer	Investment	Corporate
($ in millions)		Banking	Banking	Lending	Advisors	and Other	Eliminations	Total
Nine months ended September 30, 2012
Net interest income	$	1,049	1,021	234	87	305	-	2,696
Provision for loan and lease losses		181	226	140	9	(329)	-	227
Net interest income after provision for loan
and lease losses		868	795	94	78	634	-	2,469
Noninterest income:
Mortgage banking net revenue		-	10	577	1	-	-	588
Service charges on deposits		166	219	-	2	-	-	387
Corporate banking revenue		286	11	-	2	-	-	299
Investment advisory revenue		5	96	-	275	-	(95)(a)	281
Card and processing revenue		35	202	-	3	(53)	-	187
Other noninterest income		45	60	30	19	205	-	359
Securities gains, net		-	-	-	-	13	-	13
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	5	-	-	-	5
Total noninterest income		537	598	612	302	165	(95)	2,119
Noninterest expense:
Salaries, wages and incentives		166	337	139	103	446	-	1,191
Employee benefits		32	98	30	20	94	-	274
Net occupancy expense		16	140	6	8	57	-	227
Technology and communications		7	3	1	-	133	-	144
Card and processing expense		3	86	-	-	1	-	90
Equipment expense		2	40	1	1	38	-	82
Other noninterest expense		603	496	319	199	(612)	(95)	910
Total noninterest expense		829	1,200	496	331	157	(95)	2,918
Income before income taxes		576	193	210	49	642	-	1,670
Applicable income tax expense		90	68	74	17	242	-	491
Net income		486	125	136	32	400	-	1,179
Less: Net income attributable to noncontrolling interests		-	-	-	-	1	-	1
Net income attributable to Bancorp		486	125	136	32	399	-	1,178
Dividends on preferred stock		-	-	-	-	26	-	26
Net income available to common shareholders	$	486	125	136	32	373	-	1,152
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	47,495	48,003	23,640	8,024	(9,679)	-	117,483

(a)    Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in the Condensed Consolidated Statements of Income.

						General
		Commercial	Branch	Consumer	Investment	Corporate
($ in millions)		Banking	Banking	Lending	Advisors	and Other	Eliminations	Total
Nine months ended September 30, 2011
Net interest income	$	1,003	1,057	256	85	240	-	2,641
Provision for loan and lease losses		402	300	205	25	(564)	-	368
Net interest income after provision for loan
and lease losses		601	757	51	60	804	-	2,273
Noninterest income:
Mortgage banking net revenue		-	6	435	1	-	-	442
Service charges on deposits		154	228	-	3	(1)	-	384
Corporate banking revenue		254	11	-	2	1	-	268
Investment advisory revenue		9	89	-	275	-	(88)(a)	285
Card and processing revenue		29	241	-	3	(25)	-	248
Other noninterest income		51	57	26	-	92	-	226
Securities gains, net		-	-	-	-	40	-	40
Securities gains, net - non-qualifying hedges on
mortgage servicing rights		-	-	12	-	-	-	12
Total noninterest income		497	632	473	284	107	(88)	1,905
Noninterest expense:
Salaries, wages and incentives		147	343	102	103	390	-	1,085
Employee benefits		30	100	26	21	69	-	246
Net occupancy expense		15	138	6	8	59	-	226
Technology and communications		8	4	1	1	126	-	140
Card and processing expense		4	88	-	-	-	-	92
Equipment expense		2	38	1	1	43	-	85
Other noninterest expense		597	478	318	182	(596)	(88)	891
Total noninterest expense		803	1,189	454	316	91	(88)	2,765
Income before income taxes		295	200	70	28	820	-	1,413
Applicable income tax (benefit) expense		(2)	69	24	10	328	-	429
Net income		297	131	46	18	492	-	984
Less: Net income attributable to noncontrolling interest		-	-	-	-	1	-	1
Net income attributable to Bancorp		297	131	46	18	491	-	983
Dividends on preferred stock		-	-	-	-	194	-	194
Net income available to common shareholders	$	297	131	46	18	297	-	789
Total goodwill	$	613	1,656	-	148	-	-	2,417
Total assets	$	44,615	46,727	23,213	7,358	(7,008)	-	114,905

(a)    Revenue sharing agreements between Investment Advisors and Branch Banking are eliminated in the Condensed Consolidated Statements of Income.