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Operating Segments
 6 Months Ended
Jun. 30, 2015
Segment Reporting [Abstract]  
Operating Segments
Note 18:  Operating Segments
We have three reportable operating segments: Community Banking; Wholesale Banking; and Wealth, Brokerage and Retirement. The results for these operating segments are based on our management accounting process, for which there is no comprehensive, authoritative guidance equivalent to GAAP for financial accounting. The management accounting process measures the performance of the operating segments based on our management structure and is not necessarily comparable with similar information for other financial services companies. We define our operating segments by product type and customer segment. If the management structure and/or the allocation process changes, allocations, transfers and assignments may change. For a description of our operating segments, including the underlying management accounting process, see Note 24 (Operating Segments) to Financial Statements in our 2014 Form 10-K.
 
Community
Banking 
 
 
Wholesale
Banking
 
 
Wealth,
Brokerage
and
Retirement
 
 
Other (1)
 
 
Consolidated
Company
 
(income/expense in millions, average balances in billions)
2015

 
2014

 
2015

 
2014

 
2015

 
2014

 
2015

 
2014

 
2015

 
2014

Quarter ended June 30,
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

Net interest income (2)
$
7,698

 
7,386

 
3,068

 
2,953

 
865

 
775

 
(361
)
 
(323
)
 
11,270

 
10,791

Provision (reversal of provision) for credit losses
363

 
279

 
(58
)
 
(49
)
 
(10
)
 
(25
)
 
5

 
12

 
300

 
217

Noninterest income
4,963

 
5,220

 
3,015

 
2,993

 
2,874

 
2,775

 
(804
)
 
(713
)
 
10,048

 
10,275

Noninterest expense
7,164

 
7,020

 
3,295

 
3,203

 
2,775

 
2,695

 
(765
)
 
(724
)
 
12,469

 
12,194

Income (loss) before income tax expense (benefit)
5,134

 
5,307

 
2,846

 
2,792

 
974

 
880

 
(405
)
 
(324
)
 
8,549

 
8,655

Income tax expense (benefit)
1,707

 
1,820

 
840

 
838

 
369

 
334

 
(153
)
 
(123
)
 
2,763

 
2,869

Net income (loss) before noncontrolling interests
3,427

 
3,487

 
2,006

 
1,954

 
605

 
546

 
(252
)
 
(201
)
 
5,786

 
5,786

Less: Net income (loss) from noncontrolling interests
69

 
56

 
(5
)
 
2

 
3

 
2

 
—

 
—

 
67

 
60

Net income (loss) (3)
$
3,358

 
3,431

 
2,011

 
1,952

 
602

 
544

 
(252
)
 
(201
)
 
5,719

 
5,726

Average loans
$
506.5

 
505.4

 
343.6

 
308.1

 
59.3

 
51.0

 
(39.0
)
 
(33.5
)
 
870.4

 
831.0

Average assets
993.3

 
918.1

 
618.0

 
532.4

 
193.3

 
187.6

 
(75.3
)
 
(74.1
)
 
1,729.3

 
1,564.0

Average core deposits
685.7

 
639.8

 
304.2

 
265.8

 
159.4

 
153.0

 
(70.1
)
 
(66.9
)
 
1,079.2

 
991.7

Six months ended June 30,
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

 
  

Net interest income (2)
$
15,259

 
14,661

 
5,989

 
5,844

 
1,726

 
1,543

 
(718
)
 
(642
)
 
22,256

 
21,406

Provision (reversal of provision) for credit losses
980

 
698

 
(64
)
 
(142
)
 
(13
)
 
(33
)
 
5

 
19

 
908

 
542

Noninterest income
10,186

 
10,538

 
6,006

 
5,682

 
5,746

 
5,475

 
(1,598
)
 
(1,410
)
 
20,340

 
20,285

Noninterest expense
14,228

 
13,794

 
6,704

 
6,418

 
5,606

 
5,406

 
(1,562
)
 
(1,476
)
 
24,976

 
24,142

Income (loss) before income tax expense (benefit)
10,237

 
10,707

 
5,355

 
5,250

 
1,879

 
1,645

 
(759
)
 
(595
)
 
16,712

 
17,007

Income tax expense (benefit)
3,071

 
3,196

 
1,546

 
1,552

 
713

 
624

 
(288
)
 
(226
)
 
5,042

 
5,146

Net income (loss) before noncontrolling interests
7,166

 
7,511

 
3,809

 
3,698

 
1,166

 
1,021

 
(471
)
 
(369
)
 
11,670

 
11,861

Less: Net income (loss) from noncontrolling interests
143

 
236

 
1

 
4

 
3

 
2

 
—

 
—

 
147

 
242

Net income (loss) (3)
$
7,023

 
7,275

 
3,808

 
3,694

 
1,163

 
1,019

 
(471
)
 
(369
)
 
11,523

 
11,619

Average loans
$
506.5

 
505.2

 
340.6

 
305.0

 
58.1

 
50.5

 
(38.3
)
 
(33.3
)
 
866.9

 
827.4

Average assets
993.2

 
905.5

 
606.5

 
524.9

 
194.5

 
189.1

 
(75.6
)
 
(74.4
)
 
1,718.6

 
1,545.1

Average core deposits
677.3

 
633.2

 
303.8

 
262.4

 
160.4

 
154.5

 
(70.3
)
 
(67.3
)
 
1,071.2

 
982.8

(1)
Includes items not specific to a business segment and elimination of certain items that are included in more than one business segment, substantially all of which represents products and services for wealth management customers provided in Community Banking stores. 
(2)
Net interest income is the difference between interest earned on assets and the cost of liabilities to fund those assets. Interest earned includes actual interest earned on segment assets and, if the segment has excess liabilities, interest credits for providing funding to other segments. The cost of liabilities includes interest expense on segment liabilities and, if the segment does not have enough liabilities to fund its assets, a funding charge based on the cost of excess liabilities from another segment.
(3)
Represents segment net income (loss) for Community Banking; Wholesale Banking; and Wealth, Brokerage and Retirement segments and wells Fargo net income for the consolidated company.