Business Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2014

Sep. 30, 2013



	Nine Months Ended September 30, 2014
(Dollars in millions)	Consumer Banking and Private Wealth Management		Wholesale Banking		Mortgage Banking			Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average loans		$41,553		$61,307		$27,106			$44			$—			$130,010
Average consumer and commercial deposits	85,456		42,750		2,260			(97		)	—			130,369
Average total assets	47,154		72,647		31,067			26,413			2,817			180,098
Average total liabilities	86,202		49,440		2,763			19,751			(30		)	158,126
Average total equity	—		—		—			—			21,972			21,972

Statements of Income/(Loss):
Net interest income		$1,963		$1,234		$422			$218			($208	)		$3,629
FTE adjustment	—		102		—			2			1			105
Net interest income - FTE ¹	1,963		1,336		422			220			(207		)	3,734
Provision for credit losses ²	135		39		94			—			—			268
Net interest income after provision for credit losses	1,828		1,297		328			220			(207		)	3,466
Total noninterest income	1,142		827		350			222			(13		)	2,528
Total noninterest expense	2,170		1,168		717			91			(12		)	4,134
Income/(loss) before provision/(benefit) for income taxes	800		956		(39		)	351			(208		)	1,860
Provision/(benefit) for income taxes ³	294		305		(16		)	(40		)	(74		)	469
Net income/(loss) including income attributable to noncontrolling interest	506		651		(23		)	391			(134		)	1,391
Net income attributable to noncontrolling interest	—		—		—			11			—			11
Net income/(loss)		$506		$651		($23	)		$380			($134	)		$1,380




	Nine Months Ended September 30, 2013
(Dollars in millions)	Consumer Banking and Private Wealth Management		Wholesale Banking		Mortgage Banking			Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average loans		$40,360		$53,413		$27,830			$46			$—			$121,649
Average consumer and commercial deposits	84,447		39,030		3,501			(31		)	—			126,947
Average total assets	45,398		65,592		32,973			26,737			1,361			172,061
Average total liabilities	85,277		46,253		4,166			15,314			(87		)	150,923
Average total equity	—		—		—			—			21,138			21,138

Statements of Income/(Loss):
Net interest income		$1,945		$1,165		$409			$238			($117	)		$3,640
FTE adjustment	—		90		—			2			1			93
Net interest income - FTE ¹	1,945		1,255		409			240			(116		)	3,733
Provision/(benefit) for credit losses ²	201		120		133			(1		)	—			453
Net interest income after provision/(benefit) for credit losses	1,744		1,135		276			241			(116		)	3,280
Total noninterest income	1,105		795		328			179			(6		)	2,401
Total noninterest expense	2,088		1,085		1,248			58			(9		)	4,470
Income/(loss) before provision/(benefit) for income taxes	761		845		(644		)	362			(113		)	1,211
Provision/(benefit) for income taxes ³	280		275		(181		)	(83		)	(14		)	277
Net income/(loss) including income attributable to noncontrolling interest	481		570		(463		)	445			(99		)	934
Net income attributable to noncontrolling interest	—		—		—			16			—			16
Net income/(loss)		$481		$570		($463	)		$429			($99	)		$918



	Three Months Ended September 30, 2014
(Dollars in millions)	Consumer Banking and Private Wealth Management		Wholesale Banking		Mortgage Banking		Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average loans		$41,893		$63,552		$25,262		$40			$—			$130,747
Average consumer and commercial deposits	86,468		43,144		2,664		(81		)	—			132,195
Average total assets	47,338		75,137		30,414		27,627			2,917			183,433
Average total liabilities	87,167		49,775		3,085		21,256			(41		)	161,242
Average total equity	—		—		—		—			22,191			22,191

Statements of Income:
Net interest income		$668		$423		$148		$70			($94	)		$1,215
FTE adjustment	—		34		—		1			1			36
Net interest income - FTE ¹	668		457		148		71			(93		)	1,251
Provision for credit losses ²	40		9		44		—			—			93
Net interest income after provision for credit losses	628		448		104		71			(93		)	1,158
Total noninterest income	399		241		130		14			(4		)	780
Total noninterest expense	725		363		166		11			(6		)	1,259
Income before provision/(benefit) for income taxes	302		326		68		74			(91		)	679
Provision/(benefit) for income taxes ³	111		97		25		(107		)	(23		)	103
Net income including income attributable to noncontrolling interest	191		229		43		181			(68		)	576
Net income attributable to noncontrolling interest	—		—		—		—			—			—
Net income		$191		$229		$43		$181			($68	)		$576



	Three Months Ended September 30, 2013
(Dollars in millions)	Consumer Banking and Private Wealth Management		Wholesale Banking		Mortgage Banking			Corporate Other			Reconciling Items			Consolidated
Balance Sheets:
Average loans		$40,529		$54,185		$27,920			$38			$—			$122,672
Average consumer and commercial deposits	84,159		39,269		3,247			(57		)	—			126,618
Average total assets	45,576		66,038		33,025			26,116			1,083			171,838
Average total liabilities	84,999		46,368		3,740			15,716			(12		)	150,811
Average total equity	—		—		—			—			21,027			21,027

Statements of Income/(Loss):
Net interest income		$653		$392		$141			$76			($54	)		$1,208
FTE adjustment	—		31		—			1			—			32
Net interest income - FTE ¹	653		423		141			77			(54		)	1,240
Provision for credit losses ²	23		52		20			—			—			95
Net interest income after provision for credit losses	630		371		121			77			(54		)	1,145
Total noninterest income	378		248		(1		)	57			(2		)	680
Total noninterest expense	691		381		638			22			(2		)	1,730
Income/(loss) before provision/(benefit) for income taxes	317		238		(518		)	112			(54		)	95
Provision/(benefit) for income taxes ³	117		75		(129		)	(160		)	(4		)	(101		)
Net income/(loss) including income attributable to noncontrolling interest	200		163		(389		)	272			(50		)	196
Net income attributable to noncontrolling interest	—		—		—			7			—			7
Net income/(loss)		$200		$163		($389	)		$265			($50	)		$189

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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