Quarterly Financial Statments (unaudited)

12 Months Ended

Dec. 31, 2014

Quarterly Financial Statements [Abstract]

Quarterly Financial Information [Text Block]

Quarterly Financial Statements (unaudited)

($ in millions)	First quarter			Second quarter			Third quarter			Fourth quarter
2014
Net financing revenue	$	821		$	866		$	889		$	799
Other revenue	321			365			375			215
Total net revenue	1,142			1,231			1,264			1,014
Provision for loan losses	137			63			102			155
Total noninterest expense	713			821			742			672
Income from continuing operations before income tax expense	292			347			420			187
Income tax expense from continuing operations	94			64			127			36
Net income from continuing operations	198			283			293			151
Income from discontinued operations, net of tax	29			40			130			26
Net income	$	227		$	323		$	423		$	177
Basic earnings per common share
Net income from continuing operations	$	0.27		$	0.45		$	0.47		$	0.17
Net income	0.33			0.54			0.74			0.23
Diluted earnings per common share
Net income from continuing operations	$	0.27		$	0.45		$	0.47		$	0.17
Net income	0.33			0.54			0.74			0.23
2013
Net financing revenue	$	640		$	628		$	737		$	774
Other revenue	386			402			371			325
Total net revenue	1,026			1,030			1,108			1,099
Provision for loan losses	131			89			141			140
Total noninterest expense	958			801			762			884
(Loss) income from continuing operations before income tax (benefit) expense	(63		)	140			205			75
Income tax (benefit) expense from continuing operations	(123		)	40			28			(4		)
Net income from continuing operations	60			100			177			79
Income (loss) from discontinued operations, net of tax	1,033			(1,027		)	(86		)	25
Net income (loss)	$	1,093		$	(927	)	$	91		$	104
Basic earnings per common share
Net loss from continuing operations	$	(0.34	)	$	(0.24	)	$	(0.06	)	$	(0.83	)
Net income (loss)	2.16			(2.73		)	(0.27		)	(0.78		)
Diluted earnings per common share
Net loss from continuing operations	$	(0.34	)	$	(0.24	)	$	(0.06	)	$	(0.83	)
Net income (loss)	2.16			(2.73		)	(0.27		)	(0.78		)