Loans (Tables)

3 Months Ended

Mar. 31, 2012

Receivables [Abstract]

Composition of Loan Portfolio

(Dollars in millions)	March 31, 2012		December 31, 2011
Commercial loans:
Commercial & industrial		$50,189		$49,538
Commercial real estate	4,910		5,094
Commercial construction	1,086		1,240
Total commercial loans	56,185		55,872
Residential loans:
Residential mortgages - guaranteed	6,447		6,672
Residential mortgages - nonguaranteed1	23,653		23,243
Home equity products	15,472		15,765
Residential construction	924		980
Total residential loans	46,496		46,660
Consumer loans:
Guaranteed student loans	7,186		7,199
Other direct	2,152		2,059
Indirect	10,145		10,165
Credit cards	527		540
Total consumer loans	20,010		19,963
LHFI		$122,691		$122,495
LHFS		$2,749		$2,353

¹Includes $411 million and $431 million of loans carried at fair value at March 31, 2012 and December 31, 2011, respectively.

LHFI by Credit Quality Indicator

	Commercial & industrial				Commercial real estate				Commercial construction
(Dollars in millions)	March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011
Credit rating:
Pass		$48,213		$47,683		$3,754		$3,845		$568		$581
Criticized accruing	1,639		1,507		876		961		320		369
Criticized nonaccruing	337		348		280		288		198		290
Total		$50,189		$49,538		$4,910		$5,094		$1,086		$1,240

	Residential mortgages  -    nonguaranteed 2				Home equity products				Residential construction
(Dollars in millions)	March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011
Current FICO score range:
700 and above		$16,533		$16,139		$11,630		$11,084		$616		$661
620 - 699	4,212		4,132		2,443		2,903		198		202
Below 6201	2,908		2,972		1,399		1,778		110		117
Total		$23,653		$23,243		$15,472		$15,765		$924		$980

	Consumer  - other direct 3				Consumer - indirect				Consumer - credit cards
(Dollars in millions)	March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011		March 31, 2012		December 31, 2011
Current FICO score range:
700 and above		$1,383		$1,251		$7,634		$7,397		$337		$347
620 - 699	228		273		1,826		1,990		138		142
Below 6201	77		86		685		778		52		51
Total		$1,688		$1,610		$10,145		$10,165		$527		$540

¹For substantially all loans with refreshed FICO scores below 620, the borrower’s FICO score at the time of origination exceeded 620 but has since deteriorated as the loan has seasoned.

²Excludes $6.4 billion and $6.7 billion at March 31, 2012 and December 31, 2011, respectively, of guaranteed residential loans. At both March 31, 2012 and December 31, 2011, the majority of these loans had FICO scores of 700 and above.

³Excludes $464 million and $449 million as of March 31, 2012 and December 31, 2011, respectively, of private-label student loans with third party insurance. At March 31, 2012 and December 31, 2011, the majority of these loans had FICO scores of 700 and above.

Payment Status for the LHFI Portfolio

	As of March 31, 2012
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing2		Total
Commercial loans:
Commercial & industrial		$49,771		$69		$12		$337		$50,189
Commercial real estate	4,617		13		—		280		4,910
Commercial construction	885		3		—		198		1,086
Total commercial loans	55,273		85		12		815		56,185
Residential loans:
Residential mortgages - guaranteed	5,187		133		1,127		—		6,447
Residential mortgages - nonguaranteed1	22,025		303		34		1,291		23,653
Home equity products	14,984		170		1		317		15,472
Residential construction	697		22		1		204		924
Total residential loans	42,893		628		1,163		1,812		46,496
Consumer loans:
Guaranteed student loans	5,638		587		961		—		7,186
Other direct	2,125		16		5		6		2,152
Indirect	10,088		37		4		16		10,145
Credit cards	514		6		7		—		527
Total consumer loans	18,365		646		977		22		20,010
Total LHFI		$116,531		$1,359		$2,152		$2,649		$122,691

¹Includes $411 million of loans carried at fair value.

²Total nonaccruing loans past due 90 days or more totaled $2.2 billion. Nonaccruing loans past due fewer than 90 days include modified nonaccrual loans reported as TDRs.

	As of December 31, 2011
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing2		Total
Commercial loans:
Commercial & industrial		$49,098		$80		$12		$348		$49,538
Commercial real estate	4,797		9		—		288		5,094
Commercial construction	943		7		—		290		1,240
Total commercial loans	54,838		96		12		926		55,872
Residential loans:
Residential mortgages - guaranteed	5,394		176		1,102		—		6,672
Residential mortgages - nonguaranteed1	21,501		324		26		1,392		23,243
Home equity products	15,223		204		—		338		15,765
Residential construction	737		22		1		220		980
Total residential loans	42,855		726		1,129		1,950		46,660
Consumer loans:
Guaranteed student loans	5,690		640		869		—		7,199
Other direct	2,032		14		6		7		2,059
Indirect	10,074		66		5		20		10,165
Credit cards	526		7		7		—		540
Total consumer loans	18,322		727		887		27		19,963
Total LHFI		$116,015		$1,549		$2,028		$2,903		$122,495

¹Includes $431 million of loans carried at fair value.

²Total nonaccruing loans past due 90 days or more totaled $2.3 billion. Nonaccruing loans past due fewer than 90 days include modified nonaccrual loans reported as TDRs.

LHFI Considered Impaired

	As of March 31, 2012						Three Months Ended March 31, 2012
(Dollars in millions)	Unpaid Principal   Balance		Amortized   Cost1		Related Allowance		Average Amortized   Cost		Interest Income Recognized2
Impaired loans with no related allowance recorded:
Commercial loans:
Commercial & industrial		$30		$26		$—		$28		$—
Commercial real estate	59		41		—		42		—
Commercial construction	21		16		—		17		—
Total commercial loans	110		83		—		87		—
Impaired loans with an allowance recorded:
Commercial loans:
Commercial & industrial	83		75		7		75		—
Commercial real estate	102		83		6		90		—
Commercial construction	92		80		3		84		1
Total commercial loans	277		238		16		249		1
Residential loans:
Residential mortgages - nonguaranteed	2,707		2,313		261		2,319		22
Home equity products	561		518		90		521		6
Residential construction	259		221		25		224		2
Total residential loans	3,527		3,052		376		3,064		30
Consumer loans:
Other direct	12		12		1		12		—
Credit cards	26		26		7		27		1
Total consumer loans	38		38		8		39		1
Total impaired loans		$3,952		$3,411		$400		$3,439		$32

¹Amortized cost reflects charge-offs that have been recognized plus other amounts that have been applied to reduce the net book balance.

²Of the interest income recognized for the three months ended March 31, 2012, cash basis interest income was $4 million.

	As of December 31, 2011						Year Ended December 31, 2011
(Dollars in millions)	Unpaid Principal     Balance		Amortized     Cost1		Related Allowance		Average Amortized   Cost		Interest Income Recognized2
Impaired loans with no related allowance recorded:
Commercial loans:
Commercial & industrial		$93		$73		$—		$109		$3
Commercial real estate	58		50		—		56		1
Commercial construction	45		40		—		47		1
Total commercial loans	196		163		—		212		5
Impaired loans with an allowance recorded:
Commercial loans:
Commercial & industrial	76		67		9		68		1
Commercial real estate	111		82		15		103		2
Commercial construction	132		100		10		121		2
Total commercial loans	319		249		34		292		5
Residential loans:
Residential mortgages - nonguaranteed	2,797		2,405		293		2,451		88
Home equity products	553		515		86		528		23
Residential construction	246		221		26		229		8
Total residential loans	3,596		3,141		405		3,208		119
Consumer loans:
Other direct	12		12		1		13		1
Credit cards	27		27		8		26		2
Total consumer loans	39		39		9		39		3
Total impaired loans		$4,150		$3,592		$448		$3,751		$132

¹Amortized cost reflects charge-offs that have been recognized plus other amounts that have been applied to reduce net book balance.

²Of the interest income recognized for the year ended December 31, 2011, cash basis interest income was $25 million.

Nonperforming Assets

(Dollars in millions)	March 31, 2012		December 31, 2011
Nonaccrual/NPLs:
Commercial loans:
Commercial & industrial		$337		$348
Commercial real estate	280		288
Commercial construction	198		290
Residential loans:
Residential mortgages - nonguaranteed	1,291		1,392
Home equity products	317		338
Residential construction	204		220
Consumer loans:
Other direct	6		7
Indirect	16		20
Total nonaccrual/NPLs	2,649		2,903
OREO1	411		479
Other repossessed assets	14		10
Nonperforming LHFS	60		—
Total nonperforming assets		$3,134		$3,392

¹Does not include foreclosed real estate related to loans insured by the FHA or the VA. Proceeds due from the FHA and the VA are recorded as a receivable in other assets until the funds are received and the property is conveyed. The receivable amount related to proceeds due from the FHA or the VA totaled $152 million and $132 million at March 31, 2012 and December 31, 2011, respectively.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Three Months Ended March 31, 2012
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness1		Rate Modification2		Term Extension and/or Other Concessions		Total
Commercial loans:
Commercial & industrial	103		$—		$1		$12		$13
Commercial real estate	10	6		1		2		9
Commercial construction	7	1		—		1		2
Residential loans:
Residential mortgages - nonguaranteed	225	—		20		1		21
Home equity products	384	—		31		1		32
Residential construction	35	—		—		9		9
Consumer loans:
Other direct	12	—		—		—		—
Credit cards	502	—		3		—		3
Total TDRs	1,278		$7		$56		$26		$89

¹Restructured loans which had forgiveness of amounts contractually due under the terms of the loan typically have had multiple concessions including rate modifications and/or term extensions. The total amount of charge-offs associated with principal forgiveness for the Commercial segment during the three months ended March 31, 2012 was less than $1 million. There was no principal forgiveness for Residential or Consumer loans during the three months ended March 31, 2012.

²Restructured loans which had a modification of the loan's contractual interest rate may also have had an extension of the loan's contractual maturity date and/or other concessions. The financial effect of modifying the interest rate on the loans modified as a TDR was immaterial to the financial statements during the three months ended March 31, 2012.

	Three Months Ended March 31, 2011
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness1		Rate Modification2		Term Extension and/or Other Concessions		Total
Commercial loans:
Commercial & industrial	22		$8		$—		$5		$13
Commercial real estate	16	18		16		12		46
Commercial construction	74	24		2		10		36
Residential loans:
Residential mortgages - nonguaranteed	270	—		81		3		84
Home equity products	345	—		31		—		31
Residential construction	23	—		5		—		5
Consumer loans:
Other direct	40	—		—		1		1
Total TDRs	790		$50		$135		$31		$216

¹Restructured loans which had forgiveness of amounts contractually due under the terms of the loan typically have had multiple concessions including rate modifications and/or term extensions. The total amount of charge-offs associated with principal forgiveness for the Commercial segment during the three months ended March 31, 2011 was $1 million. There was no principal forgiveness for Residential or Consumer loans during the three months ended March 31, 2011.

²Restructured loans which had a modification of the loan's contractual interest rate may also have had an extension of the loan's contractual maturity date and/or other concessions. The financial effect of modifying the interest rate on the loans modified as a TDR was immaterial to the financial statements during the three months ended March 31, 2011.

TroubledDebtRestructuingDefault [Table Text Block]

	Three Months Ended March 31, 2012
(Dollars in millions)	Number of Loans	Amortized Cost
Commercial loans:
Commercial & industrial	11		$2
Commercial real estate	4	4
Commercial construction	3	2
Residential loans:
Residential mortgages	28	5
Home equity products	43	3
Residential construction	11	2
Consumer loans:
Other direct	2	—
Credit cards	78	1
Total TDRs	180		$19

	Three Months Ended March 31, 2011
(Dollars in millions)	Number of Loans	Amortized Cost
Commercial loans:
Commercial & industrial	10		$2
Commercial real estate	4	—
Commercial construction	6	9
Residential loans:
Residential mortgages	240	52
Home equity products	64	7
Residential construction	15	4
Consumer loans:
Other direct	2	—
Total TDRs	341		$74