Bank Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2014

Bank Premises and Equipment

Bank Premises and Equipment

The following is a summary of bank premises and equipment at December 31:
($ in millions)	Estimated Useful Life		2014	2013
Land and improvements		$	816	838
Buildings	2 to 30 yrs.		1,810	1,763
Equipment	1 to 30 yrs.		1,682	1,581
Leasehold improvements	5 to 30 yrs.		416	397
Construction in progress			98	118
Accumulated depreciation and amortization			(2,357)	(2,166)
Total		$	2,465	2,531

Annual Future Minimum Payments under Capital Leases and Noncancelable Operating Leases

The following table provides the annual future minimum payments under noncancelable operating leases and capital leases at December 31, 2014:
($ in millions)		Noncancelable Operating Leases	Capital Leases
Year ending December 31,
2015	$	92	11
2016		87	9
2017		79	5
2018		76	5
2019		69	5
Thereafter		294	2
Total minimum lease payments	$	697	37
Less: Amounts representing interest		-	9
Present value of net minimum lease payments		-	28