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Consolidated Statements of Income - USD ($)
shares in Thousands, $ in Millions
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Interest Income      
Interest and fees on loans and leases $ 5,985 $ 5,347 $ 5,163
Interest and dividends on securities 1,029 941 939
Interest on other earning assets 52 39 40
Total interest income 7,066 6,327 6,142
Interest Expense      
Interest on deposits 251 233 239
Interest on short-term borrowings 9 4 4
Interest on long-term debt 485 498 525
Total interest expense 745 735 768
Net Interest Income 6,321 5,592 5,374
Provision for credit losses 572 428 251
Net Interest Income After Provision for Credit Losses 5,749 5,164 5,123
Noninterest Income      
Insurance income 1,713 1,596 1,643
Service charges on deposits 664 631 632
Mortgage banking income 463 455 395
Investment banking and brokerage fees and commissions 408 398 387
Trust and investment advisory revenues 266 240 221
Bankcard fees and merchant discounts 237 218 207
Checkcard fees 195 174 163
Operating lease income 137 124 95
Income from bank-owned life insurance 123 113 110
FDIC loss share income, net (142) (253) (343)
Other income 362 326 349
Securities gains (losses), net      
Gross realized gains 46 41 7
Gross realized losses 0 (40) (4)
OTTI charges 0 (2) (23)
Non-credit portion recognized in OCI 0 (2) 17
Total securities gains (losses), net 46 (3) (3)
Total noninterest income 4,472 4,019 3,856
Noninterest Expense      
Personnel expense 3,964 3,469 3,180
Occupancy and equipment expense 786 708 682
Software expense 224 192 174
Outside IT services 186 135 115
Amortization of intangibles 150 105 91
Regulatory charges 145 101 106
Professional services 102 130 139
Loan-related expense 95 150 267
Merger-related and restructuring charges, net 171 165 46
Loss (gain) on early extinguishment of debt (1) 172 122
Other expense 899 939 930
Total noninterest expense 6,721 6,266 5,852
Earnings      
Income (loss) before income taxes 3,500 2,917 3,127
Provision for income taxes 1,058 794 921
Net income 2,442 2,123 2,206
Noncontrolling interests 16 39 75
Dividends on preferred stock 167 148 148
Net income available to common shareholders $ 2,259 $ 1,936 $ 1,983
Basic EPS (in usd per share) $ 2.81 $ 2.59 $ 2.76
Diluted EPS (in usd per share) 2.77 2.56 2.72
Cash dividends declared per share (in usd per share) $ 1.15 $ 1.05 $ 0.95
Basic weighted average shares outstanding 804,680 748,010 718,140
Diluted weighted average shares outstanding 814,916 757,765 728,372