|
Loans and Allowance for Credit Losses Textual (Details) (USD $)
|
12 Months Ended |
|
Dec. 31, 2012
|
Dec. 31, 2011
|
Dec. 31, 2010
|
Dec. 31, 2009
|
Dec. 31, 2008
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Unearned income, net deferred loan fees and unamortized discount and premium |
$ 7,400,000,000 |
$ 9,300,000,000 |
|
|
|
| Loan charge-offs |
10,973,000,000 |
13,615,000,000 |
20,100,000,000 |
19,825,000,000 |
8,777,000,000 |
| Allowance for Credit Losses, Purchased Credit-Impaired |
117,000,000 |
231,000,000 |
298,000,000 |
333,000,000 |
|
| Financing Receivable, Recorded Investment, nonaccrual status |
20,486,000,000 |
21,304,000,000 |
|
|
|
| 90 days past due and still accruing |
23,245,000,000 |
22,569,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
30,012,000,000 |
28,010,000,000 |
|
|
|
| Unpaid principal balance |
36,255,000,000 |
39,332,000,000 |
|
|
|
| Total unfunded loan commitments on troubled debt restructurings |
421,000,000 |
3,800,000,000 |
|
|
|
| Financing Receivable Modifications, principal forgiven |
495,000,000 |
577,000,000 |
|
|
|
| Allowances Related To Adoption Of Consolidation Accounting Guidance |
|
|
693,000,000 |
|
|
| Other interest rate concessions, primary modification type |
11,362,000,000 |
6,595,000,000 |
|
|
|
| High Value Properties, Threshold |
1,000,000 |
|
|
|
|
|
California [Member] | Residential Mortgage [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration of loans as a percentage of total loans |
13.00% |
13.00% |
|
|
|
| Concentration Risk, Geographic |
These loans are generally diversified among the larger metropolitan areas in California, with no single area consisting of more than 3% of total loans. |
|
|
|
|
|
Home Affordable Modification Program [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
402,000,000 |
421,000,000 |
|
|
|
|
Second Lien Modification Program [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
45,000,000 |
46,000,000 |
|
|
|
|
Proprietary Program [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
258,000,000 |
184,000,000 |
|
|
|
|
Purchased Credit-Impaired Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
6,000,000,000 |
8,700,000,000 |
|
|
|
|
Purchased Credit-Impaired Loans [Member] | California [Member] | Residential Mortgage [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration of loans as a percentage of total loans |
2.00% |
3.00% |
|
|
|
|
Trial modifications [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
705,000,000 |
651,000,000 |
|
|
|
|
Trial modifications [Member] | Financing Receivable Accruing [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
429,000,000 |
310,000,000 |
|
|
|
|
Trial modifications [Member] | Financing Receivable Nonaccruing [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Impaired loans, Recorded Investment |
276,000,000 |
341,000,000 |
|
|
|
|
Commercial and Industrial Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
1,306,000,000 |
1,598,000,000 |
2,775,000,000 |
3,365,000,000 |
1,653,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
1,422,000,000 |
2,142,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
2,086,000,000 |
3,072,000,000 |
|
|
|
| Unpaid principal balance |
3,331,000,000 |
7,191,000,000 |
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration Risk, Other Risk |
At December 31, 2012 and 2011, we did not have concentrations representing 10% or more of our total loan portfolio in domestic commercial and industrial loans and lease financing by industry or CRE loans (real estate mortgage and real estate construction) by state or property type. |
|
|
|
|
|
Commercial and Industrial Loans [Member] | Financing Receivable, Fully Charged Off, No Recorded Investment [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Unpaid principal balance |
|
2,500,000,000 |
|
|
|
|
Commercial and Industrial Loans [Member] | Purchased Credit-Impaired Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
23,000,000 |
18,000,000 |
|
|
|
|
Commercial Real Estate Mortgage [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
382,000,000 |
636,000,000 |
1,151,000,000 |
670,000,000 |
29,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
3,322,000,000 |
4,085,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
4,673,000,000 |
5,114,000,000 |
|
|
|
| Unpaid principal balance |
5,766,000,000 |
7,490,000,000 |
|
|
|
|
Commercial Real Estate Mortgage [Member] | Financing Receivable, Fully Charged Off, No Recorded Investment [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Unpaid principal balance |
|
1,100,000,000 |
|
|
|
|
Commercial Real Estate Mortgage [Member] | Purchased Credit-Impaired Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
140,000,000 |
225,000,000 |
|
|
|
|
Commercial Real Estate Construction [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
191,000,000 |
351,000,000 |
1,189,000,000 |
1,063,000,000 |
178,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
1,003,000,000 |
1,890,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
1,345,000,000 |
2,281,000,000 |
|
|
|
| Unpaid principal balance |
1,975,000,000 |
4,733,000,000 |
|
|
|
|
Commercial Real Estate Construction [Member] | Financing Receivable, Fully Charged Off, No Recorded Investment [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Unpaid principal balance |
|
1,800,000,000 |
|
|
|
|
Commercial Real Estate Construction [Member] | Purchased Credit-Impaired Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
127,000,000 |
467,000,000 |
|
|
|
|
Commercial Real Estate Mortgage and Construction Loans [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration Risk, Other Risk |
At December 31, 2012 and 2011, we did not have concentrations representing 10% or more of our total loan portfolio in domestic commercial and industrial loans and lease financing by industry or CRE loans (real estate mortgage and real estate construction) by state or property type. |
|
|
|
|
|
Commercial Real Estate Mortgage and Construction Loans [Member] | Criticized [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loans, excluding Purchased Credit Impaired Loans |
21,000,000,000 |
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
4,300,000,000 |
|
|
|
|
|
Lease Financing and Foreign [Member] | Financing Receivable, Fully Charged Off, No Recorded Investment [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Unpaid principal balance |
|
157,000,000 |
|
|
|
|
Total Commercial [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
2,014,000,000 |
2,796,000,000 |
5,433,000,000 |
5,564,000,000 |
2,170,000,000 |
| Allowance for Credit Losses, Purchased Credit-Impaired |
88,000,000 |
165,000,000 |
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
5,824,000,000 |
8,217,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
8,186,000,000 |
10,566,000,000 |
|
|
|
| Unpaid principal balance |
11,235,000,000 |
19,726,000,000 |
|
|
|
|
Total Commercial [Member] | Loans held for sale [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
16,000,000 |
25,000,000 |
|
|
|
|
Total Commercial [Member] | Purchased Credit-Impaired Loans [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
457,000,000 |
885,000,000 |
|
|
|
|
Total Consumer [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
8,959,000,000 |
10,819,000,000 |
14,667,000,000 |
14,261,000,000 |
6,607,000,000 |
| Allowance for Credit Losses, Purchased Credit-Impaired |
29,000,000 |
66,000,000 |
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
14,662,000,000 |
13,087,000,000 |
|
|
|
| Financing Receivable, Recorded Investment, equal to or greater than 90 days past due |
10,300,000,000 |
11,500,000,000 |
|
|
|
| 90 days past due and still accruing |
1,100,000,000 |
1,500,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
21,826,000,000 |
17,444,000,000 |
|
|
|
| Unpaid principal balance |
25,020,000,000 |
19,606,000,000 |
|
|
|
|
Total Consumer [Member] | Loans Discharged in Bankruptcy [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
888,000,000 |
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
1,800,000,000 |
|
|
|
|
| Other interest rate concessions, primary modification type |
5,200,000,000 |
|
|
|
|
|
Real estate 1-4 family first mortgage [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
3,013,000,000 |
3,883,000,000 |
4,900,000,000 |
3,318,000,000 |
540,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
11,455,000,000 |
10,913,000,000 |
|
|
|
| Financing Receivables equal to or greater than 180 days past due, Percentage of Portfolio |
3.00% |
3.30% |
|
|
|
| Impaired loans, Recorded Investment |
18,472,000,000 |
14,486,000,000 |
|
|
|
| Unpaid principal balance |
21,293,000,000 |
16,494,000,000 |
|
|
|
|
Real estate 1-4 family first mortgage [Member] | Mortgages held for sale [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
336,000,000 |
301,000,000 |
|
|
|
|
Real estate 1-4 family first mortgage [Member] | Loans Discharged in Bankruptcy [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
1,400,000,000 |
|
|
|
|
| Other interest rate concessions, primary modification type |
4,500,000,000 |
|
|
|
|
|
Real estate 1-4 family junior lien mortgage [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
3,437,000,000 |
3,763,000,000 |
4,934,000,000 |
4,812,000,000 |
2,204,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
2,922,000,000 |
1,975,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
2,483,000,000 |
2,079,000,000 |
|
|
|
| Unpaid principal balance |
2,855,000,000 |
2,232,000,000 |
|
|
|
|
Real estate 1-4 family junior lien mortgage [Member] | Implementation of Interagency Guidance, Effect [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
960,000,000 |
|
|
|
|
|
Real estate 1-4 family junior lien mortgage [Member] | Loans Discharged in Bankruptcy [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
205,000,000 |
|
|
|
|
| Other interest rate concessions, primary modification type |
506,000,000 |
|
|
|
|
|
Auto loans [Member] | Loans Discharged in Bankruptcy [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, Recorded Investment, nonaccrual status |
140,000,000 |
|
|
|
|
| Other interest rate concessions, primary modification type |
140,000,000 |
|
|
|
|
|
FHA Insured/VA Guaranteed [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Financing Receivable, certain purchases net of certain transfers to held for sale |
9,800,000,000 |
10,400,000,000 |
|
|
|
| 90 days past due and still accruing |
20,745,000,000 |
19,240,000,000 |
|
|
|
|
FHA Insured/VA Guaranteed [Member] | Financing Receivable 90 Days Or More Past Due [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Government insured/guaranteed loans |
20,200,000,000 |
18,500,000,000 |
|
|
|
|
FHA Insured, VA Or FFELP Guaranteed [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
21,800,000,000 |
20,500,000,000 |
|
|
|
|
Student Loans under FFELP [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| 90 days past due and still accruing |
1,065,000,000 |
1,281,000,000 |
|
|
|
|
Interest-only Loans [Member] | Residential Mortgage [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration of loans as a percentage of total loans |
18.00% |
21.00% |
|
|
|
|
Pick-a-pay with payment option feature [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration of loans as a percentage of total loans |
4.00% |
|
|
|
10.00% |
|
Lines of credit [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Lines of credit draw period, terms |
Our first and junior lien lines of credit products generally have a draw period of 10 years with variable interest rates and payment options during the draw period of (1) interest only or (2) 1.5% of total outstanding balance. During the draw period, the borrower has the option of converting all or a portion of the line from a variable interest rate to a fixed rate with terms including interest-only payments for a fixed period between three to seven years or a fully amortizing payment with a fixed period between five to 30 years. At the end of the draw period, a line of credit generally converts to an amortizing payment loan with repayment terms of up to 30 years based on the balance at time of conversion. |
|
|
|
|
| Lines of credit portfolio, outstanding balance |
84,600,000,000 |
|
|
|
|
| Lines of credit portfolio, amount in amortization period |
2,100,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage in amortization period |
2.00% |
|
|
|
|
| Lines of credit portfolio, amount to enter amortization period in 2013-2014 |
8,200,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage to enter amortization period in 2013-2014 |
10.00% |
|
|
|
|
| Lines of credit portfolio, amount to enter amortization period in 2015-2017 |
29,400,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage to enter amortization period in 2015-2017 |
35.00% |
|
|
|
|
| Lines of credit portfolio, amount to enter amortization period in subsequent years |
44,900,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage to enter amortization period in subsequent years |
53.00% |
|
|
|
|
| Unfunded credit commitments, lines of credit portfolio |
77,800,000,000 |
|
|
|
|
|
Lines of credit, amortization period [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Lines of credit portfolio, amount 30 or more days past due |
223,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage 30 or more days past due |
11.00% |
|
|
|
|
|
Lines of credit, draw period [Member]
|
|
|
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Lines of credit portfolio, amount 30 or more days past due |
1,900,000,000 |
|
|
|
|
| Lines of credit portfolio, percentage 30 or more days past due |
2.00% |
|
|
|
|
|
Lease Financing [Member]
|
|
|
|
|
|
| Accounts Notes Loans And Financing Receivable (Textual) [Abstract] |
|
|
|
|
|
| Loan charge-offs |
24,000,000 |
38,000,000 |
120,000,000 |
229,000,000 |
65,000,000 |
| Financing Receivable, Recorded Investment, nonaccrual status |
27,000,000 |
53,000,000 |
|
|
|
| Impaired loans, Recorded Investment |
39,000,000 |
68,000,000 |
|
|
|
| Unpaid principal balance |
$ 54,000,000 |
$ 127,000,000 |
|
|
|
| Loan Concentration Risk (Textual) [Abstract] |
|
|
|
|
|
| Concentration Risk, Other Risk |
At December 31, 2012 and 2011, we did not have concentrations representing 10% or more of our total loan portfolio in domestic commercial and industrial loans and lease financing by industry or CRE loans (real estate mortgage and real estate construction) by state or property type. |
|
|
|
|