Employee Benefit Plans (Tables)

6 Months Ended

Jun. 30, 2011

Assumptions Used in Estimating the Grant Date Fair Value of Options Using the Black-Scholes Option Pricing Model

respectively. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions:

	Six Months Ended     June 30
	2011			2010
Dividend yield		0.67	%		0.17	%
Expected stock price volatility		34.73			56.10
Risk-free interest rate (weighted average)		2.61			2.84
Expected life of options		6 years			6 years

Stock-Based Compensation Expense Recognized in Noninterest Expense

Stock-based compensation expense recognized in noninterest expense was as follows:

	Three Months Ended June 30				Six Months Ended June 30
(Dollars in millions)	2011		2010		2011		2010
Stock-based compensation expense:
Stock options		$5		$3		$8		$7
Restricted stock		8		10		17		22
Restricted stock units		8		-		8		-
Total stock-based compensation expense		$21		$13		$33		$29

Net Periodic Benefit Cost

	Three Months Ended June 30
	2011				2010
(Dollars in millions)	Retirement Benefits		Other   Postretirement   Benefits		Retirement   Benefits		Other   Postretirement   Benefits
Service cost		$17		$-		$18		$-
Interest cost		32		2		32		2
Expected return on plan assets		(47)		(2)		(46)		(2)
Amortization of prior service cost		(4)		-		(3)		-
Recognized net actuarial loss		11		-		15		1
Net periodic benefit cost		$9		$-		$16		$1
	Six Months Ended June 30
	2011				2010
(Dollars in millions)	Retirement Benefits		Other   Postretirement   Benefits		Retirement   Benefits		Other   Postretirement   Benefits
Service cost		$35		$-		$35		$-
Interest cost		64		5		64		5
Expected return on plan assets		(94)		(4)		(91)		(4)
Amortization of prior service cost		(9)		-		(6)		-
Recognized net actuarial loss		21		-		30		1
Net periodic benefit cost		$17		$1		$32		$2