Loans (Tables)

9 Months Ended

Sep. 30, 2015

Accounts, Notes, Loans and Financing Receivable [Line Items]

Concentration Risk, Credit Risk, Loan Products

(Dollars in millions)	September 30, 2015		December 31, 2014
Interest only mortgages with MI or with combined original LTV ≤ 80% 1		$1,892		$3,180
Interest only mortgages with no MI and with combined original LTV > 80% 1	620		873
Total interest only mortgages 1	2,512		4,053
Amortizing mortgages with combined original LTV > 80% and/or second liens 2	8,154		7,368
Total mortgages with potential concentration of credit risk		$10,666		$11,421

¹ Comprised of first and/or second liens, primarily with an initial 10 year interest only period.

² Comprised of loans with no MI.

Composition of Loan Portfolio

(Dollars in millions)	September 30, 2015		December 31, 2014
Commercial loans:
C&I		$65,371		$65,440
CRE	6,168		6,741
Commercial construction	1,763		1,211
Total commercial loans	73,302		73,392
Residential loans:
Residential mortgages - guaranteed	627		632
Residential mortgages - nonguaranteed 1	24,351		23,443
Home equity products	13,416		14,264
Residential construction	394		436
Total residential loans	38,788		38,775
Consumer loans:
Guaranteed student	4,588		4,827
Other direct	5,771		4,573
Indirect	10,119		10,644
Credit cards	992		901
Total consumer loans	21,470		20,945
LHFI		$133,560		$133,112
LHFS 2		$2,032		$3,232

¹ Includes $262 million and $272 million of LHFI measured at fair value at September 30, 2015 and December 31, 2014, respectively.

² Includes $1.9 billion of LHFS measured at fair value at both September 30, 2015 and December 31, 2014.

LHFI by Credit Quality Indicator

	Commercial Loans
	C&I				CRE				Commercial Construction
(Dollars in millions)	September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014
Risk rating:
Pass		$63,826		$64,228		$6,033		$6,586		$1,739		$1,196
Criticized accruing	1,423		1,061		120		134		23		14
Criticized nonaccruing	122		151		15		21		1		1
Total		$65,371		$65,440		$6,168		$6,741		$1,763		$1,211

	Residential Loans 1
	Residential Mortgages - Nonguaranteed				Home Equity Products				Residential Construction
(Dollars in millions)	September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014
Current FICO score range:
700 and above		$19,936		$18,780		$10,897		$11,475		$321		$347
620 - 699	3,330		3,369		1,827		1,991		59		70
Below 620 2	1,085		1,294		692		798		14		19
Total		$24,351		$23,443		$13,416		$14,264		$394		$436

	Consumer Loans 3
	Other Direct				Indirect				Credit Cards
(Dollars in millions)	September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014		September 30, 2015		December 31, 2014
Current FICO score range:
700 and above		$5,180		$4,023		$7,053		$7,661		$690		$639
620 - 699	536		476		2,426		2,335		245		212
Below 620 2	55		74		640		648		57		50
Total		$5,771		$4,573		$10,119		$10,644		$992		$901

¹ Excludes $627 million and $632 million of guaranteed residential loans at September 30, 2015 and December 31, 2014, respectively.

² For 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.

³ Excludes $4.6 billion and $4.8 billion of guaranteed student loans at September 30, 2015 and December 31, 2014, respectively.

Payment Status for the LHFI Portfolio

	September 30, 2015
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing 2		Total
Commercial loans:
C&I		$65,148		$89		$12		$122		$65,371
CRE	6,150		2		1		15		6,168
Commercial construction	1,762		—		—		1		1,763
Total commercial loans	73,060		91		13		138		73,302
Residential loans:
Residential mortgages - guaranteed	200		51		376		—		627
Residential mortgages - nonguaranteed 1	24,081		105		9		156		24,351
Home equity products	13,189		81		—		146		13,416
Residential construction	375		3		—		16		394
Total residential loans	37,845		240		385		318		38,788
Consumer loans:
Guaranteed student	3,724		367		497		—		4,588
Other direct	5,742		22		3		4		5,771
Indirect	10,032		83		1		3		10,119
Credit cards	978		8		6		—		992
Total consumer loans	20,476		480		507		7		21,470
Total LHFI		$131,381		$811		$905		$463		$133,560

¹ Includes $262 million of loans measured at fair value, the majority of which were accruing current.

² Nonaccruing loans past due 90 days or more totaled $278 million. Nonaccruing loans past due fewer than 90 days include modified nonaccrual loans reported as TDRs and performing second lien loans which are classified as nonaccrual when the first lien loan is nonperforming. 

	December 31, 2014
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing 2		Total
Commercial loans:
C&I		$65,246		$36		$7		$151		$65,440
CRE	6,716		3		1		21		6,741
Commercial construction	1,209		1		—		1		1,211
Total commercial loans	73,171		40		8		173		73,392
Residential loans:
Residential mortgages - guaranteed	176		34		422		—		632
Residential mortgages - nonguaranteed 1	23,067		108		14		254		23,443
Home equity products	13,989		101		—		174		14,264
Residential construction	402		7		—		27		436
Total residential loans	37,634		250		436		455		38,775
Consumer loans:
Guaranteed student	3,801		425		601		—		4,827
Other direct	4,545		19		3		6		4,573
Indirect	10,537		104		3		—		10,644
Credit cards	887		8		6		—		901
Total consumer loans	19,770		556		613		6		20,945
Total LHFI		$130,575		$846		$1,057		$634		$133,112

¹ Includes $272 million of loans measured at fair value, the majority of which were accruing current.

² Nonaccruing loans past due 90 days or more totaled $388 million. Nonaccruing loans past due fewer than 90 days include modified nonaccrual loans reported as TDRs and performing second lien loans which are classified as nonaccrual when the first lien loan is nonperforming.

LHFI Considered Impaired

	September 30, 2015						December 31, 2014
(Dollars in millions)	Unpaid Principal Balance		Amortized  Cost 1		Related Allowance		Unpaid Principal Balance		Amortized  Cost 1		Related Allowance
Impaired loans with no related allowance recorded:
Commercial loans:
C&I		$59		$49		$—		$70		$51		$—
CRE	11		9		—		12		11		—
Total commercial loans	70		58		—		82		62		—
Residential loans:
Residential mortgages - nonguaranteed	431		326		—		592		425		—
Residential construction	24		9		—		31		9		—
Total residential loans	455		335		—		623		434		—
Impaired loans with an allowance recorded:
Commercial loans:
C&I	14		12		7		27		26		7
CRE	—		—		—		4		4		4
Total commercial loans	14		12		7		31		30		11
Residential loans:
Residential mortgages - nonguaranteed	1,451		1,395		181		1,381		1,354		215
Home equity products	709		637		60		703		630		66
Residential construction	128		124		14		145		145		19
Total residential loans	2,288		2,156		255		2,229		2,129		300
Consumer loans:
Other direct	11		11		1		13		13		1
Indirect	113		112		5		105		105		5
Credit cards	24		6		1		25		8		2
Total consumer loans	148		129		7		143		126		8
Total impaired loans		$2,975		$2,690		$269		$3,108		$2,781		$319

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

Included in the impaired loan balances above at both September 30, 2015 and December 31, 2014 were $2.5 billion of accruing TDRs at amortized cost, of which 97% and 96% were current, respectively. See Note 1, “Significant Accounting Policies,” to the Company's 2014 Annual Report on Form 10-K for further information regarding the Company’s loan impairment policy.

	Three Months Ended September 30								Nine Months Ended September 30
	2015				2014				2015				2014
(Dollars in millions)	Average Amortized Cost		Interest Income Recognized1		Average Amortized Cost		Interest Income Recognized1		Average Amortized Cost		Interest Income Recognized1		Average Amortized Cost		Interest Income Recognized1
Impaired loans with no related allowance recorded:
Commercial loans:
C&I		$51		$—		$65		$—		$53		$1		$68		$1
CRE	9		—		15		—		10		—		16		—
Total commercial loans	60		—		80		—		63		1		84		1
Residential loans:
Residential mortgages - nonguaranteed	330		4		454		5		335		11		467		14
Residential construction	9		—		14		—		11		—		15		—
Total residential loans	339		4		468		5		346		11		482		14
Impaired loans with an allowance recorded:
Commercial loans:
C&I	20		—		45		—		23		1		46		1
CRE	—		—		10		—		—		—		9		—
Total commercial loans	20		—		55		—		23		1		55		1
Residential loans:
Residential mortgages - nonguaranteed	1,393		17		1,467		18		1,396		52		1,443		59
Home equity products	640		7		668		7		646		21		662		20
Residential construction	124		2		164		2		125		6		162		6
Total residential loans	2,157		26		2,299		27		2,167		79		2,267		85
Consumer loans:
Other direct	12		—		14		—		12		—		14		—
Indirect	114		1		116		1		119		4		110		4
Credit cards	6		—		10		—		7		—		11		1
Total consumer loans	132		1		140		1		138		4		135		5
Total impaired loans		$2,708		$31		$3,042		$33		$2,737		$96		$3,023		$106

¹ Of the interest income recognized during the three and nine months ended September 30, 2015, cash basis interest income was $1 million and $3 million, respectively.

Of the interest income recognized during the three and nine months ended September 30, 2014, cash basis interest income was less than $1 million and $2 million, respectively.

Nonperforming Assets

(Dollars in millions)	September 30, 2015		December 31, 2014
Nonaccrual/NPLs:
Commercial loans:
C&I		$122		$151
CRE	15		21
Commercial construction	1		1
Residential loans:
Residential mortgages - nonguaranteed	156		254
Home equity products	146		174
Residential construction	16		27
Consumer loans:
Other direct	4		6
Indirect	3		—
Total nonaccrual/NPLs 1	463		634
OREO 2	62		99
Other repossessed assets	7		9
Nonperforming LHFS	—		38
Total NPAs		$532		$780

¹Nonaccruing restructured loans are included in total nonaccrual/NPLs.

² Does not include foreclosed real estate related to loans insured by the FHA or the VA. Proceeds due from the FHA and the VAare recorded as a receivable in other assets in the Consolidated Balance Sheets until the funds are received and the property is conveyed. The receivable amount related to proceeds due from theFHA or the VA totaled $50 million and $57 million at September 30, 2015 and December 31, 2014, respectively.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Three Months Ended September 30, 2015 1
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	18		$—		$—		$—		$—
Residential loans:
Residential mortgages - nonguaranteed	175	3		32		10		45
Home equity products	419	—		7		21		28
Residential construction	6	—		—		—		—
Consumer loans:
Other direct	10	—		—		—		—
Indirect	611	—		—		13		13
Credit cards	157	—		1		—		1
Total TDRs	1,396		$3		$40		$44		$87

	Nine Months Ended September 30, 2015 1
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	63		$—		$1		$5		$6
CRE	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	632	10		95		20		125
Home equity products	1,386	—		20		62		82
Residential construction	17	—		—		—		—
Consumer loans:
Other direct	47	—		—		1		1
Indirect	1,999	—		—		39		39
Credit cards	529	—		2		—		2
Total TDRs	4,674		$10		$118		$127		$255

¹ Includes loans modified under the terms of a TDR that were charged-off during the period.

² Restructured 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 during both the three and nine months ended September 30, 2015 was immaterial.

	Three Months Ended September 30, 2014 1
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	23		$—		$—		$8		$8
Residential loans:
Residential mortgages - nonguaranteed	266	2		26		8		36
Home equity products	503	—		1		22		23
Residential construction	1	—		—		—		—
Consumer loans:
Other direct	21	—		—		—		—
Indirect	638	—		—		12		12
Credit cards	123	—		1		—		1
Total TDRs	1,575		$2		$28		$50		$80

	Nine Months Ended September 30, 2014 1
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	66		$—		$—		$22		$22
CRE	4	3		—		3		6
Residential loans:
Residential mortgages - nonguaranteed	944	8		105		38		151
Home equity products	1,407	—		6		59		65
Residential construction	11	—		1		—		1
Consumer loans:
Other direct	59	—		—		1		1
Indirect	2,189	—		—		43		43
Credit cards	350	—		2		—		2
Total TDRs	5,030		$11		$114		$166		$291

¹ Includes loans modified under the terms of a TDR that were charged-off during the period.

² Restructured 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 during both the three and nine months ended September 30, 2014 was immaterial.

TroubledDebtRestructuingDefault [Table Text Block]

For the three and nine months ended September 30, 2015, the table below represents defaults on loans that were first modified between the periods January 1, 2014 and September 30, 2015 that became 90 days or more delinquent or were charged-off during the period.

	Three Months Ended September 30, 2015			Nine Months Ended September 30, 2015
(Dollars in millions)	Number of Loans	Amortized Cost		Number of Loans	Amortized Cost
Commercial loans:
C&I	13		$—	25		$1
Residential loans:
Residential mortgages	25	3		80	12
Home equity products	33	2		95	4
Consumer loans:
Other direct	2	—		3	—
Indirect	47	—		118	1
Credit cards	22	—		45	—
Total TDRs	142		$5	366		$18

For the three and nine months ended September 30, 2014, the table below represents defaults on loans that were first modified between the periods January 1, 2013 and September 30, 2014 that became 90 days or more delinquent or were charged-off during the period.

	Three Months Ended September 30, 2014			Nine Months Ended September 30, 2014
(Dollars in millions)	Number of Loans	Amortized Cost		Number of Loans	Amortized Cost
Commercial loans:
C&I	30		$3	77		$8
Residential loans:
Residential mortgages	46	6		135	16
Home equity products	28	1		75	4
Residential construction	—	—		6	—
Consumer loans:
Other direct	3	—		8	—
Indirect	45	—		134	1
Credit cards	60	—		143	1
Total TDRs	212		$10	578		$30