

	Commercial and industrial				Real estate				Financial institutions				Government agencies				Other				Total retained loans
(in millions)	June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010
Impaired loans
With an allowance	$	1,143	$	1,512	$	1,077	$	2,510	$	44	$	127	$	23	$	22	$	565	$	697	$	2,852	$	4,868
Without an allowance^(a)	119		157		323		445		21		8		—		—		65		8		528		618
Total impaired loans	$	1,262	$	1,669	$	1,400	$	2,955	$	65	$	135	$	23	$	22	$	630	$	705	$	3,380	$	5,486
Allowance for loan losses related to impaired loans^(b)	$	331	$	435	$	251	$	825	$	14	$	61	$	14	$	14	$	139	$	239	$	749	$	1,574
Unpaid principal balance of impaired loans^(c)	1,979		2,453		1,384		3,487		132		244		23		30		1,396		1,046		4,914		7,260


(a)	When the discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, then the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged-off and/or there have been interest payments received and applied to the loan balance.


(b)	The allowance for impaired loans is included in JPMorgan Chase’s asset-specific allowance for loan losses.


(c)	Represents the contractual amount of principal owed at June 30, 2011, and December 31, 2010 The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the carrying value; net deferred loan fees or costs; and unamortized discount or premiums on purchased loans.

Loans modified in troubled debt restructuring



	Three months ended June 30,				Six months ended June 30,
(in millions)	2011		2010		2011		2010
Commercial and industrial	$	1,426	$	1,574	$	1,486	$	1,739
Real estate	2,101		3,399		2,421		3,220
Financial institutions	67		270		81		391
Government agencies	23		4		22		4
Other	635		872		635		934
Total^(a)	$	4,252	$	6,119	$	4,645	$	6,288


(a)	The related interest income on accruing impaired loans and interest income recognized on a cash basis were not material for the three and six months ended June 30, 2011 and 2010.



	Commercial and industrial				Real estate				Financial institutions				Government agencies				Other				Total retained loans
(in millions)	June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010
Loans modified in troubled debt restructurings^(a)	$	683	$	212	$	289	$	907	$	—	$	1	$	22	$	22	$	6	$	1	$	1,000	$	1,143
TDRs on nonaccrual status	628		163		273		831		—		1		22		22		6		1		929		1,018
Additional commitments to lend to borrowers whose loans have been modified in TDRs	186		1		—		—		—		—		—		—		—		—		186		1


(a)	These modifications generally provided interest rate concessions to the borrower or deferral of principal repayments.

Schedule of loans recorded, credit quality indicator



	Commercial and industrial						Real estate
(in millions, except ratios)	June 30, 2011			December 31, 2010			June 30, 2011			December 31, 2010
Loans by risk ratings
Investment grade	$	36,752		$	31,697		$	29,425		$	28,504
Noninvestment grade:
Noncriticized	33,205			30,874			16,725			16,425
Criticized performing	2,389			2,371			4,805			5,769
Criticized nonaccrual	1,207			1,634			1,437			2,937
Total noninvestment grade	36,801			34,879			22,967			25,131
Total retained loans	$	73,553		$	66,576		$	52,392		$	53,635
% of total criticized to total retained loans	4.89		%	6.02		%	11.91		%	16.23		%
% of nonaccrual loans to total retained loans	1.64			2.45			2.74			5.48
Loans by geographic distribution^(a)
Total non-U.S.	$	22,025		$	17,731		$	1,625		$	1,963
Total U.S.	51,528			48,845			50,767			51,672
Total retained loans	$	73,553		$	66,576		$	52,392		$	53,635

Loan delinquency^(b)
Current and less than 30 days past due and still accruing	$	72,203		$	64,501		$	50,752		$	50,299
30-89 days past due and still accruing	140			434			155			290
90 or more days past due and still accruing^(c)	3			7			48			109
Criticized nonaccrual	1,207			1,634			1,437			2,937
Total retained loans	$	73,553		$	66,576		$	52,392		$	53,635


(a)	U.S. and non-U.S. distribution is determined based predominantly on the domicile of the borrower.


(b)	For wholesale loans, the past due status of a loan is generally not a significant indicator of credit quality due to the ongoing review and monitoring of an obligor’s ability to meet contractual obligations. For a discussion of more significant factors, see Note 14 on page 223 of JPMorgan Chase’s 2010 Annual Report.


(c)	Represents loans that are 90 days or more past due as to principal and/or interest, but that are still accruing interest; these loans are considered well-collateralized.


(d)	Other primarily includes loans to special purpose entities and loans to private banking clients. See Note 1 on pages 164–165 of the Firm’s 2010 Annual Report for additional information on SPEs.



Financial institutions						Government agencies						Other^(d)						Total retained loans
June 30, 2011			December 31, 2010			June 30, 2011			December 31, 2010			June 30, 2011			December 31, 2010			June 30, 2011			December 31, 2010

$	26,848		$	22,525		$	6,797		$	6,871		$	66,691		$	56,450		$	166,513		$	146,047

9,317			8,480			360			382			6,694			6,012			66,301			62,173
198			317			4			3			652			320			8,048			8,780
65			136			23			22			630			781			3,362			5,510
9,580			8,933			387			407			7,976			7,113			77,711			76,463
$	36,428		$	31,458		$	7,184		$	7,278		$	74,667		$	63,563		$	244,224		$	222,510
0.72		%	1.44		%	0.38		%	0.34		%	1.72		%	1.73		%	4.67		%	6.42		%
0.18			0.43			0.32			0.30			0.84			1.23			1.38			2.48

$	25,893		$	19,756		$	1,175		$	870		$	31,351		$	25,831		$	82,069		$	66,151
10,535			11,702			6,009			6,408			43,316			37,732			162,155			156,359
$	36,428		$	31,458		$	7,184		$	7,278		$	74,667		$	63,563		$	244,224		$	222,510


$	36,261		$	31,289		$	7,158		$	7,222		$	73,419		$	61,837		$	239,793		$	215,148
100			31			3			34			599			704			997			1,493
2			2			—			—			19			241			72			359
65			136			23			22			630			781			3,362			5,510
$	36,428		$	31,458		$	7,184		$	7,278		$	74,667		$	63,563		$	244,224		$	222,510

Consumer Excluding Credit Card

Consumer loans by class, excluding credit card loan portfolio segment



(in millions)	June 30, 2011		December 31, 2010
Residential real estate – excluding PCI
Home equity:
Senior lien^(a)	$	22,969	$	24,376
Junior lien^(b)	59,782		64,009
Mortgages:
Prime, including option ARMs	74,276		74,539
Subprime	10,441		11,287
Other consumer loans
Auto	46,796		48,367
Business banking	17,141		16,812
Student and other	14,770		15,311
Residential real estate – PCI
Home equity	23,535		24,459
Prime mortgage	16,200		17,322
Subprime mortgage	5,187		5,398
Option ARMs	24,072		25,584
Total retained loans	$	315,169	$	327,464


(a)	Represents loans where JPMorgan Chase holds the first security interest on the property.


(b)	Represents loans where JPMorgan Chase holds a security interest that is subordinate in rank to other liens.

Credit Card



	Chase, excluding Washington Mutual portfolio				Washington Mutual portfolio				Total credit card
(in millions)	Jun 30, 2011		Dec 31, 2010		Jun 30, 2011		Dec 31, 2010		Jun 30, 2011		Dec 31, 2010
Impaired loans with an allowance^(a)(b)
Credit card loans with modified payment terms^(c)	$	5,820	$	6,685	$	1,345	$	1,570	$	7,165	$	8,255
Modified credit card loans that have reverted to pre-modification payment terms^(d)	1,083		1,439		236		311		1,319		1,750
Total impaired loans	$	6,903	$	8,124	$	1,581	$	1,881	$	8,484	$	10,005
Allowance for loan losses related to impaired loans	$	2,765	$	3,175	$	686	$	894	$	3,451	$	4,069


(a)	The carrying value and the unpaid principal balance are the same for credit card impaired loans.


(b)	There were no impaired loans without an allowance.


(c)	Represents credit card loans outstanding to borrowers enrolled in a credit card modification program as of the date presented.

(d)

Represents credit card loans that were modified in TDRs but that have subsequently reverted back to the loans’ pre-modification payment terms. At June 30, 2011, and December 31, 2010, approximately $850 million and $1.2 billion, respectively, of loans have reverted back to the pre-modification payment terms of the loans due to noncompliance with the terms of the modified loans. A substantial portion of these loans is expected to be charged-off in accordance with the Firm’s standard charge-off policy. The remaining $469 million and $590 million at June 30, 2011, and December 31, 2010, respectively, of these loans are to borrowers who have successfully completed a short-term modification program. The Firm continues to report these loans as TDRs since the borrowers’ credit lines remain closed.

Schedule of loans recorded, credit quality indicator



	Average impaired loans								Interest income on impaired loans^(a)
	Three months ended June 30,				Six months ended June 30,				Three months ended June 30,				Six months ended June 30,
(in millions)	2011		2010		2011		2010		2011		2010		2011		2010
Chase, excluding Washington Mutual portfolio	$	7,205	$	8,965	$	7,456	$	8,938	$	94	$	121	$	195	$	240
Washington Mutual portfolio	1,659		2,022		1,721		1,997		27		31		56		62
Total credit card	$	8,864	$	10,987	$	9,177	$	10,935	$	121	$	152	$	251	$	302

(a)

As permitted by regulatory guidance, credit card loans are generally exempt from being placed on nonaccrual status; accordingly, interest and fees related to credit card loans continue to accrue until the loan is charged off or paid in full. However, the Firm separately establishes an allowance for the estimated uncollectible portion of billed and accrued interest and fee income on credit card loans.



	Chase, excluding Washington Mutual portfolio^(c)						Washington Mutual portfolio^(c)						Total credit card
(in millions, except ratios)	Jun 30, 2011			Dec 31, 2010			Jun 30, 2011			Dec 31, 2010			Jun 30, 2011			Dec 31, 2010
Loan delinquency^(a)
Current and less than 30 days past due and still accruing	$	110,676		$	117,248		$	11,107		$	12,670		$	121,783		$	129,918
30 - 89 days past due and still accruing	1,487			2,092			301			459			1,788			2,551
90 or more days past due and still accruing	1,601			2,449			349			604			1,950			3,053
Nonaccrual loans	2			2			—			—			2			2
Total retained loans	$	113,766		$	121,791		$	11,757		$	13,733		$	125,523		$	135,524
Loan delinquency ratios
% of 30 plus days past due to total retained loans	2.71		%	3.73		%	5.53		%	7.74		%	2.98		%	4.14		%
% of 90 plus days past due to total retained loans	1.41			2.01			2.97			4.40			1.55			2.25
Credit card loans by geographic region
California	$	14,421		$	15,454		$	2,256		$	2,650		$	16,677		$	18,104
New York	9,000			9,540			885			1,032			9,885			10,572
Texas	8,812			9,217			868			1,006			9,680			10,223
Florida	6,192			6,724			987			1,165			7,179			7,889
Illinois	6,648			7,077			466			542			7,114			7,619
New Jersey	4,743			5,070			422			494			5,165			5,564
Ohio	4,622			5,035			343			401			4,965			5,436
Pennsylvania	4,123			4,521			364			424			4,487			4,945
Michigan	3,595			3,956			233			273			3,828			4,229
Virginia	2,841			3,020			254			295			3,095			3,315
Georgia	2,596			2,834			339			398			2,935			3,232
Washington	1,959			2,053			380			438			2,339			2,491
All other	44,214			47,290			3,960			4,615			48,174			51,905
Total retained loans	$	113,766		$	121,791		$	11,757		$	13,733		$	125,523		$	135,524
Percentage of portfolio based on carrying value with estimated refreshed FICO scores^(b)
Equal to or greater than 660	82.7		%	80.6		%	60.4		%	56.4		%	80.4		%	77.9		%
Less than 660	17.3			19.4			39.6			43.6			19.6			22.1

(a)

The Firm’s policy is generally to exempt credit card loans from being placed on nonaccrual status as permitted by regulatory guidance. Under guidance issued by the Federal Financial Institutions Examination Council (“FFIEC"), credit card loans are charged off by the end of the month in which the account becomes 180 days past due or within 60 days from receiving notification about a specified event (e.g., bankruptcy of the borrower), whichever is earlier.


(b)	Refreshed FICO scores are estimated based on a statistically significant random sample of credit card accounts in the credit card portfolio for the period shown. The Firm obtains refreshed FICO scores at least quarterly.


(c)	Includes billed finance charges and fees net of an allowance for uncollectible amounts.

Residential real estate, excluding PCI [Member]



	Home equity								Mortgages
	Senior lien				Junior lien				Prime, including option ARMs				Subprime				Total residential real estate – excluding PCI
(in millions)	June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010		June 30, 2011		Dec 31, 2010
Impaired loans^(a)(b)
With an allowance	$	244	$	211	$	489	$	258	$	2,812	$	1,525	$	2,666	$	2,563	$	6,211	$	4,557
Without an allowance^(c)	17		15		28		25		578		559		177		188		800		787
Total impaired loans^(d)	$	261	$	226	$	517	$	283	$	3,390	$	2,084	$	2,843	$	2,751	$	7,011	$	5,344
Allowance for loan losses related to impaired loans	$	82	$	77	$	148	$	82	$	78	$	97	$	512	$	555	$	820	$	811
Unpaid principal balance of impaired loans^(e)	320		265		715		402		4,308		2,751		4,079		3,777		9,422		7,195
Impaired loans on nonaccrual status	53		38		232		63		698		534		695		632		1,678		1,267


(a)	Represents loans modified in a TDR. These modifications generally provided interest rate concessions to the borrower or deferral of principal repayments.


(b)	There were no additional commitments to lend to borrowers whose loans have been modified in TDRs as of June 30, 2011, and December 31, 2010.


(c)	When discounted cash flows or collateral value equals or exceeds the recorded investment in the loan, the loan does not require an allowance. This result typically occurs when an impaired loan has been partially charged off.

(d)

At June 30, 2011, and December 31, 2010, $3.5 billion and $3.0 billion, respectively, of loans modified subsequent to repurchase from Ginnie Mae in accordance with the standards of the appropriate government agency (i.e., Federal Housing Administration (“FHA”), U.S. Department of Veterans Affairs (“VA”), Rural Housing Administration (“RHA”)) were excluded from loans accounted for as TDRs. When such loans perform subsequent to modification in accordance with Ginnie Mae guidelines, they are generally sold back into Ginnie Mae loan pools. Modified loans that do not re-perform become subject to foreclosure.


(e)	Represents the contractual amount of principal owed at June 30, 2011, and December 31, 2010. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; net deferred loan fees or costs; and unamortized discounts or premiums on purchased loans

Schedule of loans recorded, credit quality indicator



Three months ended June 30,	Average impaired loans				Interest income on impaired loans^(a)				Interest income on impaired loans on a cash basis^(a)
(in millions)	2011		2010		2011		2010		2011		2010
Home equity
Senior lien	$	245	$	221	$	2	$	3	$	1	$	1
Junior lien	469		255		4		5		1		1
Mortgages
Prime, including option ARMs	3,216		1,365		33		12		3		4
Subprime	2,787		2,475		37		29		3		6
Total residential real estate – excluding PCI	$	6,717	$	4,316	$	76	$	49	$	8	$	12



Six months ended June 30,	Average impaired loans				Interest income on impaired loans^(a)				Interest income on impaired loans on a cash basis^(a)
(in millions)	2011		2010		2011		2010		2011		2010
Home equity
Senior lien	$	238	$	193	$	5	$	5	$	1	$	1
Junior lien	411		262		8		8		1		1
Mortgages
Prime, including option ARMs	2,848		1,171		59		29		6		5
Subprime	2,769		2,340		71		56		6		10
Total residential real estate – excluding PCI	$	6,266	$	3,966	$	143	$	98	$	14	$	17

(a) Generally, interest income on loans modified in a TDR is recognized on a cash basis until such time as the borrower has made a minimum of six payments under the new terms. As of June 30, 2011 and 2010, loans of $938 million and $1.0 billion, respectively, were TDRs for which the borrowers had not yet made six payments under their modified terms



Residential real estate – excluding PCI loans
	Home equity
	Senior lien						Junior lien
(in millions, except ratios)	June 30, 2011			December 31, 2010			June 30, 2011			December 31, 2010
Loan delinquency^(a)
Current and less than 30 days past due	$	22,252		$	23,615		$	58,345		$	62,315
30–149 days past due	361			414			1,215			1,508
150 or more days past due	356			347			222			186
Total retained loans	$	22,969		$	24,376		$	59,782		$	64,009
% of 30+ days past due to total retained loans	3.12		%	3.12		%	2.40		%	2.65		%
90 or more days past due and still accruing	$	—		$	—		$	—		$	—
90 or more days past due and government guaranteed^(b)	—			—			—			—
Nonaccrual loans	481			479			827			784
Current estimated LTV ratios^(c)(d)(e)(f)
Greater than 125% and refreshed FICO scores:
Equal to or greater than 660	$	350		$	363		$	6,699		$	6,928
Less than 660	176			196			2,251			2,495
101% to 125% and refreshed FICO scores:
Equal to or greater than 660	690			619			9,389			9,403
Less than 660	268			249			2,745			2,873
80% to 100% and refreshed FICO scores:
Equal to or greater than 660	1,955			1,900			12,423			13,333
Less than 660	653			657			2,832			3,155
Less than 80% and refreshed FICO scores:
Equal to or greater than 660	16,199			17,474			20,459			22,527
Less than 660	2,678			2,918			2,984			3,295
U.S. government-guaranteed	—			—			—			—
Total retained loans	$	22,969		$	24,376		$	59,782		$	64,009
Geographic region
California	$	3,201		$	3,348		$	13,699		$	14,656
New York	3,162			3,272			11,658			12,278
Texas	3,290			3,594			2,036			2,239
Florida	1,033			1,088			3,215			3,470
Illinois	1,553			1,635			3,987			4,248
Ohio	1,871			2,010			1,438			1,568
New Jersey	708			732			3,397			3,617
Michigan	1,101			1,176			1,501			1,618
Arizona	1,393			1,481			2,738			2,979
Washington	737			776			2,017			2,142
All other^(g)	4,920			5,264			14,096			15,194
Total retained loans	$	22,969		$	24,376		$	59,782		$	64,009

(a) Individual delinquency classifications included mortgage loans insured by U.S. government agencies as follows: current and less than 30 days past due includes $3.0 billion and $2.5 billion; 30–149 days past due includes $1.9 billion and $2.5 billion; and 150 or more days past due includes $8.2 billion and $7.9 billion at June 30, 2011 and December 31, 2010, respectively.

(b)

These balances, which are 90 days or more past due but insured by U.S. government agencies, are excluded from nonaccrual loans. In predominately all cases, 100% of the principal balance of the loans is insured and interest is guaranteed at a specified reimbursement rate subject to meeting agreed servicing guidelines. These amounts are excluded from nonaccrual loans because reimbursement of insured and guaranteed amounts is proceeding normally and is expected to occur. At June 30, 2011, and December 31, 2010, these balances included $5.7 billion and $2.8 billion, respectively, of loans that are no longer accruing interest because interest has been curtailed by the U.S. government agencies although, in predominantly all cases, 100% of the principal is still insured. For the remaining balance, interest is being accrued at the guaranteed reimbursement rate.

(c)

Represents the aggregate unpaid principal balance of loans divided by the estimated current property value. Current property values are estimated, at a minimum, quarterly, based on home valuation models utilizing nationally recognized home price index valuation estimates incorporating actual data to the extent available and forecasted data where actual data is not available. These property values do not represent actual appraised loan level collateral values; as such, the resulting ratios are necessarily imprecise and should be viewed as estimates.


(d)	Junior lien represents combined LTV, which considers all available lien positions related to the property. All other products are presented without consideration of subordinate liens on the property.


(e)	Refreshed FICO scores represent each borrower’s most recent credit score, which is obtained by the Firm at least on a quarterly basis.


(f)	For senior lien home equity loans, prior-period amounts have been restated to the current-period presentation.


(g)	At June 30, 2011, and December 31, 2010, included mortgage loans insured by U.S. government agencies of $13.1 billion and $12.9 billion, respectively.


(h)	At June 30, 2011, and December 31, 2010, excluded mortgage loans insured by U.S. government agencies of $10.1 billion and $10.3 billion, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.

(table continued from previous page)



Mortgages
Prime, including option ARMs								Subprime						Total residential real estate – excluding PCI
June 30, 2011				December 31, 2010				June 30, 2011			December 31, 2010			June 30, 2011				December 31, 2010

$	59,841			$	59,223			$	8,015		$	8,477		$	148,453			$	153,630
3,130				4,052				896			1,184			5,602				7,158
11,305				11,264				1,530			1,626			13,413				13,423
$	74,276			$	74,539			$	10,441		$	11,287		$	167,468			$	174,211
5.90		%	^(h)	6.68		%	^(h)	23.24		%	24.90		%	5.35		%	^(h)	5.88		%	^(h)
$	—			$	—			$	—		$	—		$	—			$	—
9,129				9,417				—			—			9,129				9,417
4,024				4,320				2,058			2,210			7,390				7,793


$	3,005			$	3,039			$	360		$	338		$	10,414			$	10,668
1,477				1,595				1,120			1,153			5,024				5,439

4,683				4,733				528			506			15,290				15,261
1,793				1,775				1,446			1,486			6,252				6,383

10,251				10,720				881			925			25,510				26,878
2,674				2,786				1,761			1,955			7,920				8,553

32,669				32,385				1,989			2,252			71,316				74,638
4,625				4,557				2,356			2,672			12,643				13,442
13,099				12,949				—			—			13,099				12,949
$	74,276			$	74,539			$	10,441		$	11,287		$	167,468			$	174,211

$	18,580			$	19,278			$	1,601		$	1,730		$	37,081			$	39,012
9,817				9,587				1,288			1,381			25,925				26,518
2,731				2,569				323			345			8,380				8,747
4,688				4,840				1,309			1,422			10,245				10,820
3,892				3,765				424			468			9,856				10,116
452				462				254			275			4,015				4,315
2,016				2,026				491			534			6,612				6,909
943				963				266			294			3,811				4,051
1,248				1,320				221			244			5,600				6,024
1,979				2,056				230			247			4,963				5,221
27,930				27,673				4,034			4,347			50,980				52,478
$	74,276			$	74,539			$	10,441		$	11,287		$	167,468			$	174,211

Total other consumer [Member]



	Auto				Business banking				Total other consumer^(c)
(in millions)	Jun 30, 2011		Dec 31, 2010		Jun 30, 2011		Dec 31, 2010		Jun 30, 2011		Dec 31, 2010
Impaired loans
With an allowance	$	88	$	102	$	758	$	774	$	846	$	876
Without an allowance^(a)	1		—		—		—		1		—
Total impaired loans	$	89	$	102	$	758	$	774	$	847	$	876
Allowance for loan losses related to impaired loans	$	12	$	16	$	217	$	248	$	229	$	264
Unpaid principal balance of impaired loans^(b)	122		132		872		899		994		1,031
Impaired loans on nonaccrual status	39		50		598		647		637		697


(a)	When discounted cash flows, collateral value or market price equals or exceeds the recorded investment in the loan, then the loan does not require an allowance. This typically occurs when the impaired loans have been partially charged off and/or there have been interest payments received and applied to the loan balance.


(b)	Represents the contractual amount of principal owed at June 30, 2011, and December 31, 2010. The unpaid principal balance differs from the impaired loan balances due to various factors, including charge-offs; interest payments received and applied to the principal balance; net deferred loan fees or costs; and unamortized discounts or premiums on purchased loans.


(c)	There were no impaired student and other loans at June 30, 2011, and December 31, 2010

Loans modified in troubled debt restructuring



	Average impaired loans^(b)
	Three months ended June 30,				Six months ended June 30,
(in millions)	2011		2010		2011		2010
Auto	$	92	$	130	$	95	$	128
Business banking	764		646		768		578
Total other consumer^(a)	$	856	$	776	$	863	$	706

(a) There were no student and other loans modified in TDRs at June 30, 2011 and 2010.

(b) The related interest income on impaired loans, including those on cash basis, was not material for the three and six months ended June 30, 2011 and 2010



	Auto				Business banking				Total other consumer^(c)
(in millions)	June 30, 2011		December 31, 2010		June 30, 2011		December 31, 2010		June 30, 2011		December 31, 2010
Loans modified in troubled debt restructurings^(a)(b)	$	88	$	91	$	429	$	395	$	517	$	486
TDRs on nonaccrual status	38		39		269		268		307		307


(a)	These modifications generally provided interest rate concessions to the borrower or deferral of principal repayments.


(b)	Additional commitments to lend to borrowers whose loans have been modified in TDRs as of June 30, 2011, and December 31, 2010 were immaterial.


(c)	There were no student and other loans modified in TDRs at June 30, 2011, and December 31, 2010.

Schedule of loans recorded, credit quality indicator



	Auto						Business banking						Student and other								Total other consumer
(in millions, except ratios)	Jun 30, 2011			Dec 31, 2010			Jun 30, 2011			Dec 31, 2010			Jun 30, 2011				Dec 31, 2010				Jun 30, 2011				Dec 31, 2010
Loan delinquency^(a)
Current and less than 30 days past due	$	46,339		$	47,778		$	16,658		$	16,240		$	13,554			$	13,998			$	76,551			$	78,016
30–119 days past due	450			579			299			351			742				795				1,491				1,725
120 or more days past due	7			10			184			221			474				518				665				749
Total retained loans	$	46,796		$	48,367		$	17,141		$	16,812		$	14,770			$	15,311			$	78,707			$	80,490
% of 30+ days past due to total retained loans	0.98		%	1.22		%	2.82		%	3.40		%	1.68		%	^(d)	1.61		%	^(d)	1.51		%	^(d)	1.75		%	^(d)
90 or more days past due and still accruing^(b)	$	—		$	—		$	—		$	—		$	558			$	625			$	558			$	625
Nonaccrual loans	111			141			770			832			79				67				960				1,040
Geographic region
California	$	4,260		$	4,307		$	1,114		$	851		$	1,286			$	1,330			$	6,660			$	6,488
New York	3,616			3,875			2,865			2,877			1,267				1,305				7,748				8,057
Texas	4,423			4,505			2,612			2,550			1,219				1,273				8,254				8,328
Florida	1,833			1,923			248			220			696				722				2,777				2,865
Illinois	2,413			2,608			1,331			1,320			915				940				4,659				4,868
Ohio	2,738			2,961			1,602			1,647			970				1,010				5,310				5,618
New Jersey	1,804			1,842			233			422			488				502				2,525				2,766
Michigan	2,308			2,434			1,387			1,401			699				729				4,394				4,564
Arizona	1,526			1,499			1,190			1,218			366				387				3,082				3,104
Washington	731			716			142			115			270				279				1,143				1,110
All other	21,144			21,697			4,417			4,191			6,594				6,834				32,155				32,722
Total retained loans	$	46,796		$	48,367		$	17,141		$	16,812		$	14,770			$	15,311			$	78,707			$	80,490
Loans by risk ratings^(c)
Noncriticized	$	5,702		$	5,803		$	11,114		$	10,351		NA				NA				$	16,816			$	16,154
Criticized performing	191			265			827			982			NA				NA				1,018				1,247
Criticized nonaccrual	1			12			557			574			NA				NA				558				586


(a)	Loans insured by U.S. government agencies under the Federal Family Education Loan Program (“FFELP”) are included in the delinquency classifications presented based on their payment status. Prior-period amounts have been revised to conform to the current-period presentation.


(b)	These amounts represent student loans, which are insured by U.S. government agencies under the FFELP. These amounts were accruing as reimbursement of insured amounts is proceeding normally.


(c)	For risk-rated business banking and auto loans, the primary credit quality indicator is the risk rating of the loan, including whether the loans are considered to be criticized and/or nonaccrual.


(d)	June 30, 2011, and December 31, 2010, excluded loans 30 days or more past due and still accruing, which are insured by U.S. government agencies under the FFELP, of $968 million and $1.1 billion, respectively. These amounts were excluded as reimbursement of insured amounts is proceeding normally.

Purchased Credit Impaired [Member]