Loans (Tables)

12 Months Ended

Dec. 31, 2015

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

LHFI by Credit Quality Indicator

	Commercial Loans
	C&I				CRE				Commercial Construction
(Dollars in millions)	December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014
Risk rating:
Pass		$65,379		$64,228		$6,067		$6,586		$1,931		$1,196
Criticized accruing	1,375		1,061		158		134		23		14
Criticized nonaccruing	308		151		11		21		—		1
Total		$67,062		$65,440		$6,236		$6,741		$1,954		$1,211

	Residential Loans 1
	Residential Mortgages - Nonguaranteed				Residential Home Equity Products				Residential Construction
(Dollars in millions)	December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014
Current FICO score range:
700 and above		$20,422		$18,780		$10,772		$11,475		$313		$347
620 - 699	3,262		3,369		1,741		1,991		58		70
Below 620 2	1,060		1,294		658		798		13		19
Total		$24,744		$23,443		$13,171		$14,264		$384		$436

	Consumer Loans 3
	Other Direct				Indirect				Credit Cards
(Dollars in millions)	December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014
Current FICO score range:
700 and above		$5,501		$4,023		$7,015		$7,661		$759		$639
620 - 699	576		476		2,481		2,335		265		212
Below 620 2	50		74		631		648		62		50
Total		$6,127		$4,573		$10,127		$10,644		$1,086		$901

¹ Excludes $629 million and $632 million of guaranteed residential loans at December 31, 2015 and 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 $4.9 billion and $4.8 billion of guaranteed student loans at December 31, 2015 and 2014, respectively.

Payment Status for the LHFI Portfolio

	December 31, 2015
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing 2		Total
Commercial loans:
C&I		$66,670		$61		$23		$308		$67,062
CRE	6,222		3		—		11		6,236
Commercial construction	1,952		—		2		—		1,954
Total commercial loans	74,844		64		25		319		75,252
Residential loans:
Residential mortgages - guaranteed	192		59		378		—		629
Residential mortgages - nonguaranteed 1	24,449		105		7		183		24,744
Residential home equity products	12,939		87		—		145		13,171
Residential construction	365		3		—		16		384
Total residential loans	37,945		254		385		344		38,928
Consumer loans:
Guaranteed student	3,861		500		561		—		4,922
Other direct	6,094		24		3		6		6,127
Indirect	10,022		102		—		3		10,127
Credit cards	1,070		9		7		—		1,086
Total consumer loans	21,047		635		571		9		22,262
Total LHFI		$133,836		$953		$981		$672		$136,442

¹ Includes $257 million of loans measured at fair value, the majority of which were accruing current.

² Nonaccruing loans past due 90 days or more totaled $336 million. Nonaccruing loans past due fewer than 90 days include modified nonaccrual loans reported as TDRs, performing second lien loans where the first lien loan is nonperforming, and certain energy-related commercial loans. 

	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
Residential 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 where the first lien loan is nonperforming.

LHFI Considered Impaired

	December 31, 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		$55		$42		$—		$70		$51		$—
CRE	11		9		—		12		11		—
Total commercial loans	66		51		—		82		62		—
Residential loans:
Residential mortgages - nonguaranteed	500		380		—		592		425		—
Residential construction	29		8		—		31		9		—
Total residential loans	529		388		—		623		434		—
Impaired loans with an allowance recorded:
Commercial loans:
C&I	173		167		28		27		26		7
CRE	—		—		—		4		4		4
Total commercial loans	173		167		28		31		30		11
Residential loans:
Residential mortgages - nonguaranteed	1,381		1,344		178		1,381		1,354		215
Residential home equity products	740		670		60		703		630		66
Residential construction	127		125		14		145		145		19
Total residential loans	2,248		2,139		252		2,229		2,129		300
Consumer loans:
Other direct	11		11		1		13		13		1
Indirect	114		114		5		105		105		5
Credit cards	24		6		1		25		8		2
Total consumer loans	149		131		7		143		126		8
Total impaired loans		$3,165		$2,876		$287		$3,108		$2,781		$319

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

Included in the impaired loan balances above at December 31, 2015 and 2014 were $2.6 billion and $2.5 billion, respectively, of accruing TDRs at amortized cost, of which 97% and 96% were current, respectively. See Note 1, “Significant Accounting Policies,” for further information regarding the Company’s loan impairment policy.

	Year Ended December 31
	2015				2014				2013
(Dollars in millions)	Average Amortized Cost		Interest Income Recognized 1		Average Amortized Cost		Interest Income Recognized 1		Average Amortized Cost		Interest Income Recognized 1
Impaired loans with no related allowance recorded:
Commercial loans:
C&I		$58		$2		$84		$1		$75		$1
CRE	10		—		11		1		60		2
Total commercial loans	68		2		95		2		135		3
Residential loans:
Residential mortgages - nonguaranteed	390		17		437		17		449		18
Residential construction	11		—		12		—		21		1
Total residential loans	401		17		449		17		470		19
Impaired loans with an allowance recorded:
Commercial loans:
C&I	147		5		16		1		45		1
CRE	—		—		5		—		3		—
Commercial construction	—		—		—		—		5		—
Total commercial loans	147		5		21		1		53		1
Residential loans:
Residential mortgages - nonguaranteed	1,349		65		1,357		78		1,576		76
Residential home equity products	682		28		644		27		649		23
Residential construction	125		8		144		8		172		10
Total residential loans	2,156		101		2,145		113		2,397		109
Consumer loans:
Other direct	12		—		14		—		15		1
Indirect	125		6		113		5		89		4
Credit cards	7		1		10		1		16		1
Total consumer loans	144		7		137		6		120		6
Total impaired loans		$2,916		$132		$2,847		$139		$3,175		$138

¹ Of the interest income recognized during December 31, 2015, 2014, and 2013, cash basis interest income was $7 million, $4 million, and $10 million, respectively.

Nonperforming Assets

(Dollars in millions)	December 31, 2015		December 31, 2014
Nonaccrual/NPLs:
Commercial loans:
C&I		$308		$151
CRE	11		21
Commercial construction	—		1
Residential loans:
Residential mortgages - nonguaranteed	183		254
Residential home equity products	145		174
Residential construction	16		27
Consumer loans:
Other direct	6		6
Indirect	3		—
Total nonaccrual/NPLs 1	672		634
OREO 2	56		99
Other repossessed assets	7		9
Nonperforming LHFS	—		38
Total NPAs		$735		$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 property is conveyed and the funds are received. The receivable related to proceeds due from theFHA or the VA totaled $52 million and $57 million at December 31, 2015 and 2014, respectively.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	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	79		$—		$1		$8		$9
CRE	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	789	12		129		25		166
Residential home equity products	2,172	—		25		113		138
Residential construction	23	—		6		—		6
Consumer loans:
Other direct	66	—		—		1		1
Indirect	2,578	—		—		52		52
Credit cards	683	—		3		—		3
Total TDRs	6,391		$12		$164		$199		$375

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 may have had other concessions including rate modifications and/or term extensions. The total amount of charge-offs associated with principal forgiveness during the year ended December 31, 2015 was $2 million.

	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	78		$—		$1		$37		$38
CRE	6	4		—		3		7
Residential loans:
Residential mortgages - nonguaranteed	1,135	10		127		44		181
Residential home equity products	1,977	—		7		86		93
Residential construction	11	—		1		—		1
Consumer loans:
Other direct	71	—		—		1		1
Indirect	2,928	—		—		57		57
Credit cards	450	—		2		—		2
Total TDRs	6,656		$14		$138		$228		$380

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 may have had other concessions including rate modifications and/or term extensions. The total amount of charge-offs associated with principal forgiveness during the year ended December 31, 2014 was $14 million.

	2013 1
(Dollars in millions)	Number of Loans Modified	Principal  Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	152		$18		$2		$105		$125
CRE	6	—		3		1		4
Commercial construction	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	1,584	1		166		94		261
Residential home equity products	2,630	—		71		75		146
Residential construction	259	—		24		3		27
Consumer loans:
Other direct	140	—		1		3		4
Indirect	3,409	—		—		65		65
Credit cards	593	—		3		—		3
Total TDRs	8,774		$19		$270		$346		$635

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 may have had other concessions including rate modifications and/or term extensions. The total amount of charge-offs associated with principal forgiveness during the year endedDecember 31, 2013 was $2 million.

TroubledDebtRestructuingDefault [Table Text Block]

For the year ended December 31, 2015, the table below represents defaults on loans that were first modified between the periods January 1, 2014 and December 31, 2015 that became 90 days or more delinquent or were charged-off during the period.

	Year Ended December 31, 2015
(Dollars in millions)	Number of Loans	Amortized Cost
Commercial loans:
C&I	34		$1
Residential loans:
Residential mortgages	120	16
Residential home equity products	138	6
Consumer loans:
Other direct	5	—
Indirect	171	2
Credit cards	84	—
Total TDRs	552		$25

For the year ended December 31, 2014, the table below represents defaults on loans that were first modified between the periods January 1, 2013 and December 31, 2014 that became 90 days or more delinquent or were charged-off during the period.

	Year Ended December 31, 2014
(Dollars in millions)	Number of Loans	Amortized Cost
Commercial loans:
C&I	78		$10
Residential loans:
Residential mortgages	158	19
Residential home equity products	101	5
Residential construction	6	—
Consumer loans:
Other direct	9	—
Indirect	181	1
Credit cards	145	1
Total TDRs	678		$36

For the year ended December 31, 2013, the following table represents defaults on loans that were first modified between the periods January 1, 2012 and December 31, 2013 that became 90 days or more delinquent or were charged-off during the period.

	Year Ended December 31, 2013
(Dollars in millions)	Number of Loans	Amortized Cost
Commercial loans:
C&I	55		$5
CRE	5	3
Commercial construction	1	—
Residential loans:
Residential mortgages	287	23
Residential home equity products	188	10
Residential construction	48	3
Consumer loans:
Other direct	15	1
Indirect	207	2
Credit cards	169	1
Total TDRs	975		$48

Concentration Risk, Credit Risk, Loan Products

(Dollars in millions)	December 31, 2015		December 31, 2014
Interest only mortgages with MI or with combined original LTV ≤ 80% 1		$1,563		$3,180
Interest only mortgages with no MI and with combined original LTV > 80% 1	547		873
Total interest only mortgages 1	2,110		4,053
Amortizing mortgages with combined original LTV > 80% and/or second liens 2	8,366		7,368
Total mortgages with potential concentration of credit risk		$10,476		$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)	December 31, 2015		December 31, 2014
Commercial loans:
C&I		$67,062		$65,440
CRE	6,236		6,741
Commercial construction	1,954		1,211
Total commercial loans	75,252		73,392
Residential loans:
Residential mortgages - guaranteed	629		632
Residential mortgages - nonguaranteed 1	24,744		23,443
Residential home equity products	13,171		14,264
Residential construction	384		436
Total residential loans	38,928		38,775
Consumer loans:
Guaranteed student	4,922		4,827
Other direct	6,127		4,573
Indirect	10,127		10,644
Credit cards	1,086		901
Total consumer loans	22,262		20,945
LHFI		$136,442		$133,112
LHFS 2		$1,838		$3,232

¹ Includes $257 million and $272 million of LHFI measured at fair value at December 31, 2015 and 2014, respectively.

² Includes $1.5 billion and $1.9 billion of LHFS measured at fair value at December 31, 2015 and 2014, respectively.