Regulatory Capital Requirements

12 Months Ended

Dec. 31, 2016

Regulatory Capital Requirements [Abstract]

The Company and the Bank are subject to various regulatory capital requirements administered by the U.S. federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a material effect on the Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and the Bank's prompt corrective action classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. Prompt corrective action provisions are not applicable to BHCs such as the Company. The Bank is subject to laws and regulations that limit the amount of dividends it can pay to the Company.

Quantitative measures established by regulation to help ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the tables below) of Total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to quarterly average assets (as defined). As of December 31, 2016, management believes the capital ratios of the Bank met all regulatory requirements of "well-capitalized" institutions, which are 10% for the Total risk-based capital ratio and 8.0% for the Tier 1 risk-based capital ratio. Furthermore, management believes, as of December 31, 2016 and 2015, that the Company and the Bank met all capital adequacy requirements to which they are subject.

The Company's and the Bank's capital amounts and ratios are presented in the following tables.



	U.S. Basel III					Minimum Capital Requirement with Capital Conservation Buffer ⁽¹⁾
(Dollars in millions)	Amount		Ratio			Amount		Ratio
Capital Ratios for the Company:
As of December 31, 2016:
Common equity tier 1 capital (to risk-weighted assets)	$	14,757	14.77	%	≥	$	5,120	5.125	%
Tier 1 capital (to risk-weighted assets)	14,757		14.77		≥	6,619		6.625
Total capital (to risk-weighted assets)	16,431		16.45		≥	8,617		8.625
Tier 1 leverage⁽²⁾	14,757		9.92		≥	5,952		4.000
As of December 31, 2015⁽³⁾:
Common equity tier 1 capital (to risk-weighted assets)	$	12,920	13.63	%	≥	$	4,265	4.500	%
Tier 1 capital (to risk-weighted assets)	12,923		13.64		≥	5,687		6.000
Total capital (to risk-weighted assets)	14,747		15.56		≥	7,582		8.000
Tier 1 leverage⁽²⁾	12,923		11.40		≥	4,535		4.000


(1)	Beginning January 1, 2016, the minimum capital requirement includes a capital conservation buffer of 0.625%.


(2)	Tier 1 capital divided by quarterly average assets (excluding certain deductions).


(3)	Prior period amounts and ratios have not been revised to include the transferred IHC entities.



	U.S. Basel III					Minimum Capital Requirement with Capital Conservation Buffer ⁽¹⁾					To Be Well-Capitalized Under Prompt Corrective Action Provisions
(Dollars in millions)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Capital Ratios for the Bank:
As of December 31, 2016 (U.S. Basel III):
Common equity tier 1 capital (to risk-weighted assets)	$	13,056	14.61	%	≥	$	4,581	5.125	%	≥	$	5,810	6.5	%
Tier 1 capital (to risk-weighted assets)	13,056		14.61		≥	5,922		6.625		≥	7,151		8.0
Total capital (to risk-weighted assets)	14,560		16.29		≥	7,709		8.625		≥	8,938		10.0
Tier 1 leverage⁽²⁾	13,056		11.46		≥	4,558		4.000		≥	5,697		5.0
As of December 31, 2015 (U.S. Basel III):
Common equity tier 1 capital (to risk-weighted assets)	$	12,384	13.18	%	≥	$	4,227	4.500	%	≥	$	6,105	6.5	%
Tier 1 capital (to risk-weighted assets)	12,384		13.18		≥	5,636		6.000		≥	7,514		8.0
Total capital (to risk-weighted assets)	14,003		14.91		≥	7,514		8.000		≥	9,393		10.0
Tier 1 leverage⁽²⁾	12,384		11.03		≥	4,490		4.000		≥	5,612		5.0


(1)	Beginning January 1, 2016, the minimum capital requirement includes a capital conservation buffer of 0.625%.


(2)	Tier 1 capital divided by quarterly average assets (excluding certain deductions).

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1F
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826

+ Details