Loans (Tables)

6 Months Ended

Jun. 30, 2016

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

LHFI by Credit Quality Indicator

	Commercial Loans
	C&I				CRE				Commercial Construction
(Dollars in millions)	June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015
Risk rating:
Pass		$66,234		$65,379		$5,933		$6,067		$2,536		$1,931
Criticized accruing	1,878		1,375		285		158		79		23
Criticized nonaccruing	491		308		10		11		2		—
Total		$68,603		$67,062		$6,228		$6,236		$2,617		$1,954

	Residential Loans 1
	Residential Mortgages - Nonguaranteed				Residential Home Equity Products				Residential Construction
(Dollars in millions)	June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015
Current FICO score range:
700 and above		$21,882		$20,422		$10,094		$10,772		$333		$313
620 - 699	3,174		3,262		1,640		1,741		53		58
Below 620 2	981		1,060		747		658		11		13
Total		$26,037		$24,744		$12,481		$13,171		$397		$384

	Consumer Loans 3
	Other Direct				Indirect				Credit Cards
(Dollars in millions)	June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015		June 30, 2016		December 31, 2015
Current FICO score range:
700 and above		$6,154		$5,501		$7,834		$7,015		$827		$759
620 - 699	625		576		2,749		2,481		285		265
Below 620 2	46		50		612		631		65		62
Total		$6,825		$6,127		$11,195		$10,127		$1,177		$1,086

¹ Excludes $534 million and $629 million of guaranteed residential loans at June 30, 2016 and December 31, 2015, 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 $5.6 billion and $4.9 billion of guaranteed student loans at June 30, 2016 and December 31, 2015, respectively.

Payment Status for the LHFI Portfolio

	June 30, 2016
(Dollars in millions)	Accruing Current		Accruing 30-89 Days Past Due		Accruing 90+ Days Past Due		Nonaccruing 2		Total
Commercial loans:
C&I		$68,059		$32		$21		$491		$68,603
CRE	6,216		2		—		10		6,228
Commercial construction	2,615		—		—		2		2,617
Total commercial loans	76,890		34		21		503		77,448
Residential loans:
Residential mortgages - guaranteed	156		53		325		—		534
Residential mortgages - nonguaranteed 1	25,753		80		10		194		26,037
Residential home equity products	12,175		80		—		226		12,481
Residential construction	384		—		—		13		397
Total residential loans	38,468		213		335		433		39,449
Consumer loans:
Guaranteed student	4,427		462		673		—		5,562
Other direct	6,794		22		4		5		6,825
Indirect	11,102		89		1		3		11,195
Credit cards	1,162		8		7		—		1,177
Total consumer loans	23,485		581		685		8		24,759
Total LHFI		$138,843		$828		$1,041		$944		$141,656

¹ Includes $246 million of loans measured at fair value, the majority of which were accruing current.

² Nonaccruing loans past due 90 days or more totaled $305 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, 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 and performing second lien loans where the first lien loan is nonperforming, and certain energy-related commercial loans.

LHFI Considered Impaired

	June 30, 2016						December 31, 2015
(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		$215		$197		$—		$55		$42		$—
CRE	—		—		—		11		9		—
Total commercial loans	215		197		—		66		51		—
Residential loans:
Residential mortgages - nonguaranteed	505		385		—		500		380		—
Residential construction	18		8		—		29		8		—
Total residential loans	523		393		—		529		388		—
Impaired loans with an allowance recorded:
Commercial loans:
C&I	213		188		43		173		167		28
Total commercial loans	213		188		43		173		167		28
Residential loans:
Residential mortgages - nonguaranteed	1,343		1,314		169		1,381		1,344		178
Residential home equity products	816		744		55		740		670		60
Residential construction	117		116		12		127		125		14
Total residential loans	2,276		2,174		236		2,248		2,139		252
Consumer loans:
Other direct	11		10		1		11		11		1
Indirect	111		111		5		114		114		5
Credit cards	23		6		1		24		6		1
Total consumer loans	145		127		7		149		131		7
Total impaired loans		$3,372		$3,079		$286		$3,165		$2,876		$287

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 June 30, 2016 and December 31, 2015 were $2.5 billion and $2.6 billion, respectively, of accruing TDRs at amortized cost, of which 97% were current. See Note 1, “Significant Accounting Policies,” to the Company's 2015 Annual Report on Form 10-K for further information regarding the Company’s loan impairment policy.

	Three Months Ended June 30								Six Months Ended June 30
	2016				2015				2016				2015
(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		$277		$1		$44		$1		$261		$3		$46		$1
CRE	—		—		10		—		—		—		10		—
Total commercial loans	277		1		54		1		261		3		56		1
Residential loans:
Residential mortgages - nonguaranteed	388		4		365		4		390		8		368		7
Residential construction	9		—		8		—		9		—		10		—
Total residential loans	397		4		373		4		399		8		378		7
Impaired loans with an allowance recorded:
Commercial loans:
C&I	193		—		19		—		181		—		25		—
Total commercial loans	193		—		19		—		181		—		25		—
Residential loans:
Residential mortgages - nonguaranteed	1,313		17		1,366		17		1,316		33		1,367		34
Residential home equity products	747		7		637		7		752		15		640		14
Residential construction	115		1		129		2		116		3		128		4
Total residential loans	2,175		25		2,132		26		2,184		51		2,135		52
Consumer loans:
Other direct	11		—		12		—		11		—		12		—
Indirect	113		1		111		1		116		3		114		3
Credit cards	6		—		7		—		6		—		7		—
Total consumer loans	130		1		130		1		133		3		133		3
Total impaired loans		$3,172		$31		$2,708		$32		$3,158		$65		$2,727		$63

¹ Of the interest income recognized during the three and six months ended June 30, 2016, cash basis interest income was less than $1 million and $2 million, respectively.

Of the interest income recognized during both the three and six months ended June 30, 2015, cash basis interest income was $1 million.

Nonperforming Assets

(Dollars in millions)	June 30, 2016		December 31, 2015
Nonaccrual/NPLs:
Commercial loans:
C&I		$491		$308
CRE	10		11
Commercial construction	2		—
Residential loans:
Residential mortgages - nonguaranteed	194		183
Residential home equity products	226		145
Residential construction	13		16
Consumer loans:
Other direct	5		6
Indirect	3		3
Total nonaccrual/NPLs 1	944		672
OREO 2	49		56
Other repossessed assets	8		7
Total NPAs		$1,001		$735

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 at both June 30, 2016 and December 31, 2015.

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Three Months Ended June 30, 2016 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		$—		$—		$44		$44
Residential loans:
Residential mortgages - nonguaranteed	119	1		26		5		32
Residential home equity products	799	—		2		75		77
Consumer loans:
Other direct	9	—		—		—		—
Indirect	432	—		—		10		10
Credit cards	183	—		1		—		1
Total TDRs	1,565		$1		$29		$134		$164

	Six months ended June 30, 2016 1
(Dollars in millions)	Number of Loans Modified	Principal Forgiveness 2		Rate Modification		Term Extension and/or Other Concessions		Total
Commercial loans:
C&I	35		$—		$—		$46		$46
Commercial construction	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	239	1		58		7		66
Residential home equity products	1,531	—		9		127		136
Consumer loans:
Other direct	32	—		—		1		1
Indirect	918	—		—		21		21
Credit cards	352	—		1		—		1
Total TDRs	3,108		$1		$68		$202		$271

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 three and six months ended June 30, 2016 was immaterial.

	Three Months Ended June 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	23		$—		$—		$1		$1
CRE	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	241	3		34		3		40
Residential home equity products	499	—		9		17		26
Residential construction	10	—		—		—		—
Consumer loans:
Other direct	20	—		—		—		—
Indirect	819	—		—		14		14
Credit cards	136	—		1		—		1
Total TDRs	1,749		$3		$44		$35		$82

	Six months ended June 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	45		$—		$1		$5		$6
CRE	1	—		—		—		—
Residential loans:
Residential mortgages - nonguaranteed	457	7		63		11		81
Residential home equity products	967	—		13		41		54
Residential construction	11	—		—		—		—
Consumer loans:
Other direct	37	—		—		—		—
Indirect	1,388	—		—		26		26
Credit cards	372	—		1		—		1
Total TDRs	3,278		$7		$78		$83		$168

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 three and six months ended June 30, 2015 was immaterial.

TroubledDebtRestructuingDefault [Table Text Block]

Composition of Loan Portfolio

(Dollars in millions)	June 30, 2016		December 31, 2015
Commercial loans:
C&I		$68,603		$67,062
CRE	6,228		6,236
Commercial construction	2,617		1,954
Total commercial loans	77,448		75,252
Residential loans:
Residential mortgages - guaranteed	534		629
Residential mortgages - nonguaranteed 1	26,037		24,744
Residential home equity products	12,481		13,171
Residential construction	397		384
Total residential loans	39,449		38,928
Consumer loans:
Guaranteed student	5,562		4,922
Other direct	6,825		6,127
Indirect	11,195		10,127
Credit cards	1,177		1,086
Total consumer loans	24,759		22,262
LHFI		$141,656		$136,442
LHFS 2		$2,468		$1,838

¹ Includes $246 million and $257 million of LHFI measured at fair value at June 30, 2016 and December 31, 2015, respectively.

² Includes $2.2 billion and $1.5 billion of LHFS measured at fair value at June 30, 2016 and December 31, 2015, respectively.