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WELLS FARGO & COMPANY/MN

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2.4.0.8100800 - Disclosure - Mortgage Banking Activitiestruefalsefalse1false falsefalseFROM_Jan01_2013_TO_Jun30_2013http://www.sec.gov/CIK0000072971duration2013-01-01T00:00:002013-06-30T00:00:001true 1wfc_MortgageBankingActivitiesAbstractwfc_falsenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse02false 2wfc_MortgageBankingActivitiesTextBlockwfc_falsenadurationfalsefalsefalsefalsefalsefalsefalsefalseterseLabel1falsefalsefalse00<p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Georgia;font-size:9pt;margin-left:0px;">Mortgage banking activities, included in the Community Banking and Wholesale Banking operating segments, consist of residential and commercial mortgage originations</font><font style="font-family:Georgia;font-size:9pt;">, sale activity</font><font style="font-family:Georgia;font-size:9pt;"> and servicing. </font></p><p style='margin-top:0pt; margin-bottom:0pt'><font style="font-family:Georgia;font-size:9pt;margin-left:0px;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;We apply the amortization method to commercial MSRs and apply the fair value method to residential MSRs. The changes in </font><font style="font-family:Georgia;font-size:9pt;">MSRs measured using the fair value method were:</font></p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 4px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 337px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:337px;">&#160;</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 10px"><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 337px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:337px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 337px; text-align:left;border-color:#000000;min-width:337px;">&#160;</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 142px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:142px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">Quarter ended June 30,</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td colspan="2" style="width: 142px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:142px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">Six months ended June 30,</font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:68px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">(in millions)</font></td><td style="width: 337px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:337px;">&#160;</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2013</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2012</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2013</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2012</font></td></tr><tr style="height: 18px"><td colspan="5" style="width: 405px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Fair value, beginning of period</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 12,061</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 13,578</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 11,538</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 12,603</font></td></tr><tr style="height: 14px"><td style="width: 17px; 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text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,915</font></td></tr><tr style="height: 14px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 51px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:51px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Sales</font></td><td style="width: 337px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:337px;">&#160;</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (160)</font></td><td style="width: 70px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,412</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,622</font></td></tr><tr style="height: 18px"><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="4" style="width: 388px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Changes in fair value:</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 371px; text-align:left;border-color:#000000;min-width:371px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Due to changes in valuation model inputs or assumptions:</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="2" style="width: 354px; 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text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="2" style="width: 354px; text-align:left;border-color:#000000;min-width:354px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Servicing and foreclosure costs (3)</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (82)</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (146)</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 354px; text-align:left;border-color:#000000;min-width:354px;">&#160;</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 142px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:142px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">Quarter ended June 30,</font></td><td style="width: 19px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2012</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2013</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;"> 2012</font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 405px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Balance, beginning of period</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,181</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,074</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; 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text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 78</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 53</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 92</font></td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 388px; text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Servicing from securitizations or asset transfers (1)</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 31</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 34</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 87</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (293)</font></td></tr><tr style="height: 14px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 388px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Amortization</font></td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (62)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (56)</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (124)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (114)</font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 405px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,176</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,130</font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 405px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Valuation allowance:</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td colspan="4" style="width: 405px; text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Balance, beginning of period</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (37)</font></td></tr><tr style="height: 14px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 388px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Reversal of provision for MSRs in excess of fair value (1)</font></td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 37</font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 405px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Balance, end of period (2)</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> - </font></td></tr><tr style="height: 18px"><td colspan="4" style="width: 405px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Amortized MSRs, net</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,176</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,130</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 388px; text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Beginning of period</font></td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 72px; 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr></table></div><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'></p><ul><li style="margin-left:22.5px;list-style:decimal;"><font style="font-family:Verdana;font-size:6pt;">Six months e</font><font style="font-family:Verdana;font-size:6pt;">n</font><font style="font-family:Verdana;font-size:6pt;">ded </font><font style="font-family:Verdana;font-size:6pt;">June 30</font><font style="font-family:Verdana;font-size:6pt;">,</font><font style="font-family:Verdana;font-size:6pt;"> 2012, is net of $350 million ($313 million after valuation allowance) of residential MSRs that we elected to carry at fair value effective January 1, 2012. A cumulative adjustment of $2 million to fair value was recorded in retained earnings at January 1, 2012.</font></li><li style="margin-left:22.5px;list-style:decimal;"><font style="font-family:Verdana;font-size:6pt;">Commercial amortized MSRs are evaluated for impairment purposes by the following risk strata: agency (GSEs) and non-agency. There was no valuation allowance recorded for the periods presented on the commercial amortized MSRs. 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border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:25px;">&#160;</td><td style="width: 54px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:54px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 500px; text-align:left;border-color:#000000;min-width:500px;">&#160;</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 61px; text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">June 30,</font></td><td style="width: 25px; 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border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="2" style="width: 517px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:517px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Total managed servicing portfolio</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 61px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:61px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,376</font></td><td style="width: 25px; 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text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 303px; text-align:left;border-color:#000000;min-width:303px;">&#160;</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td colspan="2" style="width: 142px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:142px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: right;">Quarter ended June 30,</font></td><td style="width: 19px; 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border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (215)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (220)</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (485)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (500)</font></td></tr><tr style="height: 18px"><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="4" style="width: 354px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:354px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Net servicing fees </font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,030</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,070</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,027</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,081</font></td></tr><tr style="height: 18px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="6" style="width: 388px; text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Changes in fair value of MSRs carried at fair value:</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; text-align:left;border-color:#000000;min-width:70px;">&#160;</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:left;border-color:#000000;min-width:72px;">&#160;</td><td style="width: 70px; text-align:left;border-color:#000000;min-width:70px;">&#160;</td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="5" style="width: 371px; text-align:left;border-color:#000000;min-width:371px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Due to changes in valuation model inputs or assumptions (2)</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,867</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (1,631)</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,628</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (1,789)</font></td></tr><tr style="height: 14px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="5" style="width: 371px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:371px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Other changes in fair value (3)</font></td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (643)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (712)</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (1,393)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (1,355)</font></td></tr><tr style="height: 18px"><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="4" style="width: 354px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:354px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Total changes in fair value of MSRs carried at fair value</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,224</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (2,343)</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 1,235</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (3,144)</font></td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="6" style="width: 388px; text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Amortization</font></td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (62)</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (56)</font></td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (124)</font></td><td style="width: 70px; text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (114)</font></td></tr><tr style="height: 14px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="6" style="width: 388px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:388px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Net derivative gains (losses) from economic hedges (4)</font></td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (1,799)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,008</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> (2,431)</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,108</font></td></tr><tr style="height: 18px"><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="3" style="width: 337px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:337px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Total servicing income, net</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 393</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 679</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 707</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 931</font></td></tr><tr style="height: 14px"><td colspan="7" style="width: 405px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:405px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Net gains on mortgage loan origination/sales activities</font></td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,409</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,214</font></td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 4,889</font></td><td style="width: 70px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 4,832</font></td></tr><tr style="height: 18px"><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td style="width: 17px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;">&#160;</td><td colspan="2" style="width: 320px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:320px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: left;">Total mortgage banking noninterest income</font></td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;TEXT-ALIGN: center;">$</font></td><td style="width: 72px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:72px;"><font style="FONT-WEIGHT: bold;FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,802</font></td><td style="width: 70px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:70px;"><font style="FONT-FAMILY: Verdana;FONT-SIZE: 7pt;COLOR: #000000;"> 2,893</font></td><td style="width: 19px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:19px;">&#160;</td><td style="width: 72px; 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See Note </font><font style="font-family:Verdana;font-size:6pt;">12</font><font style="font-family:Verdana;font-size:6pt;"> &#8211; Free-Standing Derivatives for additional discussion and detail.</font></li></ul><p style='margin-top:0pt; margin-bottom:0pt'>&#160;</p><p style='margin-top: 0pt; margin-bottom: 0pt;'></p><p style='margin-top:12pt; margin-bottom:0pt'><font style="font-family:Georgia;font-size:9pt;margin-left:0px;">The table below summarizes the changes in our liability for mortgage loan repurchase losses.&#160;This liability is in &#8220;Accrued expenses and other liabilities&#8221; in our consolidated </font><font style="font-family:Georgia;font-size:9pt;">balance sheet</font><font style="font-family:Georgia;font-size:9pt;"> and the provision for repurchase </font><font style="font-family:Georgia;font-size:9pt;">losses reduces net gains on mortgage loan origination/sales activities. </font><font style="font-family:Georgia;font-size:9pt;">Because the level of mortgage loan repurchase losses depends upon economic factors, investor demand strategies and other external conditions that may change over the life of the underlying loans, the level of the liability for mortgage loan repurchase losses is difficult to estimate and requires considerable management judgment. We maintai</font><font style="font-family:Georgia;font-size:9pt;">n regular contact with the GSEs, the Federal Housing Finance Agency (FHFA), </font><font style="font-family:Georgia;font-size:9pt;">and other significant investors to monitor their repurchase demand practices </font><font style="font-family:Georgia;font-size:9pt;">and issues as part of our process to update our repurchase liability estimate as new information becomes available</font><font style="font-family:Georgia;font-size:9pt;">. Because of the uncertainty in the various estimates underlying the mortgage repurchase liability, there is a range of losses in excess of the recorded mortgage repurchase liability that </font><font style="font-family:Georgia;font-size:9pt;">is</font><font style="font-family:Georgia;font-size:9pt;"> reasonably possible. The estimate of the range of possible loss for representations and warranties does not represent a probable loss, and is based on currently available information, significant judgment, and a number of assumptions that are subject to change. The high end of this range of reasonably possible losses in excess of our recorded liability was $</font><font style="font-family:Georgia;font-size:9pt;">2.2</font><font style="font-family:Georgia;font-size:9pt;"> billion at </font><font style="font-family:Georgia;font-size:9pt;">June 30</font><font style="font-family:Georgia;font-size:9pt;">, 201</font><font style="font-family:Georgia;font-size:9pt;">3</font><font style="font-family:Georgia;font-size:9pt;">, and was determined based upon modifying the assumptions</font><font style="font-family:Georgia;font-size:9pt;"> </font><font style="font-family:Georgia;font-size:9pt;">(particularly to assume significant changes in investor repurchase demand practices)</font><font style="font-family:Times New Roman;font-size:12pt;"> </font><font style="font-family:Georgia;font-size:9pt;">utilized</font><font style="font-family:Georgia;font-size:9pt;"> in our best estimate of probable loss to reflect what we believe to be the high end of reasonably possible adverse assumptions.</font></p><p style='margin-top: 0pt; 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