Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2011

Loans and Allowance for Credit Losses (Tables) [Abstract]

Loans and Allowance for Credit Losses, Loans Outstanding

	June 30,		Dec. 31,
(in millions)	2011		2010
Commercial:
Commercial and industrial	$	157,095		151,284
Real estate mortgage		101,458		99,435
Real estate construction		21,374		25,333
Lease financing		12,907		13,094
Foreign (1)		37,855		32,912
Total commercial		330,689		322,058
Consumer:
Real estate 1-4 family first mortgage		222,874		230,235
Real estate 1-4 family junior lien mortgage		89,947		96,149
Credit card		21,191		22,260
Other revolving credit and installment		87,220		86,565
Total consumer		421,232		435,209
Total loans	$	751,921		757,267

(1) Substantially all of our foreign loan portfolio is commercial loans. Loans are classified as foreign if the borrower’s primary address is outside of the United States.

Loans and Allowance for Credit Losses, Significant Activity

							2011									2010
(in millions)	Commercial			Consumer			Total			Commercial			Consumer			Total
Quarter ended June 30,
Purchases	$	1,462			-			1,462			509			126			635
Sales		(895	)		(313	)		(1,208	)		(1,507	)		(295	)		(1,802	)
Transfers from/(to) MHFS/LHFS		64			25			89			72			53			125
Six months ended June 30,
Purchases	$	2,106			-			2,106			1,052			150			1,202
Sales		(2,466	)		(314	)		(2,780	)		(2,575	)		(295	)		(2,870	)
Transfers from/(to) MHFS/LHFS		170			50			220			57			(35	)		22

Loans and Allowance for Credit Losses, Allowance for Credit Losses

	Quarter ended June 30,						Six months ended June 30,
(in millions)	2011			2010			2011			2010
Balance, beginning of period	$	22,383			25,656			23,463			25,031
Provision for credit losses		1,838			3,989			4,048			9,319
Interest income on certain impaired loans (1)		(79	)		(62	)		(162	)		(136	)
Loan charge-offs:
Commercial:
Commercial and industrial		(365	)		(810	)		(833	)		(1,577	)
Real estate mortgage		(185	)		(364	)		(364	)		(645	)
Real estate construction		(99	)		(289	)		(218	)		(694	)
Lease financing		(7	)		(31	)		(20	)		(65	)
Foreign		(57	)		(52	)		(96	)		(99	)
Total commercial		(713	)		(1,546	)		(1,531	)		(3,080	)
Consumer:
Real estate 1-4 family first mortgage		(1,064	)		(1,140	)		(2,079	)		(2,537	)
Real estate 1-4 family junior lien mortgage		(968	)		(1,239	)		(2,014	)		(2,735	)
Credit card		(378	)		(639	)		(826	)		(1,335	)
Other revolving credit and installment		(391	)		(542	)		(891	)		(1,292	)
Total consumer		(2,801	)		(3,560	)		(5,810	)		(7,899	)
Total loan charge-offs		(3,514	)		(5,106	)		(7,341	)		(10,979	)
Loan recoveries:
Commercial:
Commercial and industrial		111			121			225			238
Real estate mortgage		57			4			84			14
Real estate construction		27			51			63			62
Lease financing		6			4			13			9
Foreign		10			10			21			21
Total commercial		211			190			406			344
Consumer:
Real estate 1-4 family first mortgage		155			131			266			217
Real estate 1-4 family junior lien mortgage		59			55			111			102
Credit card		84			60			150			113
Other revolving credit and installment		167			181			360			384
Total consumer		465			427			887			816
Total loan recoveries		676			617			1,293			1,160
Net loan charge-offs (2)		(2,838	)		(4,489	)		(6,048	)		(9,819	)
Allowances related to business combinations/other (3)		(42	)		(9	)		(39	)		690
Balance, end of period	$	21,262			25,085			21,262			25,085
Components:
Allowance for loan losses	$	20,893			24,584			20,893			24,584
Allowance for unfunded credit commitments		369			501			369			501
Allowance for credit losses (4)	$	21,262			25,085			21,262			25,085
Net loan charge-offs (annualized) as a percentage of average total loans (2)		1.52	%		2.33			1.62	%		2.52
Allowance for loan losses as a percentage of total loans (4)		2.78			3.21			2.78			3.21
Allowance for credit losses as a percentage of total loans (4)		2.83			3.27			2.83			3.27

(1)	Certain impaired loans with an allowance calculated by discounting expected cash flows using the loan’s effective interest rate over the remaining life of the loan recognize reductions in the allowance as interest income.
(2)	For PCI loans, charge-offs are only recorded to the extent that losses exceed the purchase accounting estimates.
(3)	Includes $693 million for the first half of 2010 related to the adoption of consolidation accounting guidance on January 1, 2010.
(4)	The allowance for credit losses includes $273 million and $225 million at June 30, 2011 and 2010, respectively, related to PCI loans acquired from Wachovia. Loans acquired from Wachovia are included in total loans net of related purchase accounting net write-downs.

Loans and Allowance for Credit Losses, Allowance for Credit Losses by Category

	2011									2010
(in millions)	Commercial			Consumer			Total			Commercial			Consumer			Total
Quarter ended June 30,
Balance, beginning of period	$	7,973			14,410			22,383			8,833			16,823			25,656
Provision for credit losses		(27	)		1,865			1,838			1,117			2,872			3,989
Interest income on certain impaired loans		(39	)		(40	)		(79	)		(35	)		(27	)		(62	)
Loan charge-offs		(713	)		(2,801	)		(3,514	)		(1,546	)		(3,560	)		(5,106	)
Loan recoveries		211			465			676			190			427			617
Net loan charge-offs		(502	)		(2,336	)		(2,838	)		(1,356	)		(3,133	)		(4,489	)
Allowance related to business combinations/other		8			(50	)		(42	)		-			(9	)		(9	)
Balance, end of period	$	7,413			13,849			21,262			8,559			16,526			25,085
Six months ended June 30,
Balance, beginning of period	$	8,169			15,294			23,463			8,141			16,890			25,031
Provision for credit losses		445			3,603			4,048			3,221			6,098			9,319
Interest income on certain impaired loans		(84	)		(78	)		(162	)		(76	)		(60	)		(136	)
Loan charge-offs		(1,531	)		(5,810	)		(7,341	)		(3,080	)		(7,899	)		(10,979	)
Loan recoveries		406			887			1,293			344			816			1,160
Net loan charge-offs		(1,125	)		(4,923	)		(6,048	)		(2,736	)		(7,083	)		(9,819	)
Allowance related to business combinations/other		8			(47	)		(39	)		9			681			690
Balance, end of period	$	7,413			13,849			21,262			8,559			16,526			25,085

Loans and Allowance for Credit Losses, by Impairment Methodology

	Allowance for credit losses						Recorded investment in loans
(in millions)	Commercial		Consumer		Total		Commercial		Consumer		Total
June 30, 2011
Collectively evaluated (1)	$	4,799		9,636		14,435		313,514		373,869		687,383
Individually evaluated (2)		2,399		4,155		6,554		10,159		15,686		25,845
PCI (3)		215		58		273		7,016		31,677		38,693
Total	$	7,413		13,849		21,262		330,689		421,232		751,921
December 31, 2010
Collectively evaluated (1)	$	5,424		11,539		16,963		302,392		387,707		690,099
Individually evaluated (2)		2,479		3,723		6,202		11,731		14,007		25,738
PCI (3)		266		32		298		7,935		33,495		41,430
Total	$	8,169		15,294		23,463		322,058		435,209		757,267

(1)	Represents loans collectively evaluated for impairment in accordance with ASC 450-20, Loss Contingencies (formerly FAS 5), and pursuant to amendments by ASU 2010-20 regarding allowance for unimpaired loans.
(2)	Represents loans individually evaluated for impairment in accordance with ASC 310-10, Receivables (formerly FAS 114), and pursuant to amendments by ASU 2010-20 regarding allowance for impaired loans.
(3)	Represents the allowance and related loan carrying value determined in accordance with ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality (formerly SOP 03-3) and pursuant to amendments by ASU 2010-20 regarding allowance for PCI loans.

Loans by Credit Quality Indicator

	Commercial		Real		Real
	and		estate		estate		Lease
(in millions)	industrial		mortgage		construction		financing		Foreign		Total
June 30, 2011
By risk category:
Pass	$	133,685		74,182		10,546		12,349		35,108		265,870
Criticized		22,883		24,476		8,640		558		1,246		57,803
Total commercial loans (excluding PCI)		156,568		98,658		19,186		12,907		36,354		323,673
Total commercial PCI loans (carrying value)		527		2,800		2,188		-		1,501		7,016
Total commercial loans	$	157,095		101,458		21,374		12,907		37,855		330,689
December 31, 2010
By risk category:
Pass	$	126,058		70,597		11,256		12,411		30,341		250,663
Criticized		24,508		25,983		11,128		683		1,158		63,460
Total commercial loans (excluding PCI)		150,566		96,580		22,384		13,094		31,499		314,123
Total commercial PCI loans (carrying value)		718		2,855		2,949		-		1,413		7,935
Total commercial loans	$	151,284		99,435		25,333		13,094		32,912		322,058

Loans by Delinquency Status, Commercial

	Commercial		Real		Real
	and		estate		estate		Lease
(in millions)	industrial		mortgage		construction		financing		Foreign		Total
June 30, 2011
By delinquency status:
Current-29 DPD	$	152,872		92,554		16,685		12,787		36,200		311,098
30-89 DPD		1,193		1,276		372		41		83		2,965
90+ DPD and still accruing		110		137		86		-		12		345
Nonaccrual loans		2,393		4,691		2,043		79		59		9,265
Total commercial loans (excluding PCI)		156,568		98,658		19,186		12,907		36,354		323,673
Total commercial PCI loans (carrying value)		527		2,800		2,188		-		1,501		7,016
Total commercial loans	$	157,095		101,458		21,374		12,907		37,855		330,689
December 31, 2010
By delinquency status:
Current-29 DPD	$	146,135		90,233		19,005		12,927		31,350		299,650
30-89 DPD		910		1,016		510		59		-		2,495
90+ DPD and still accruing		308		104		193		-		22		627
Nonaccrual loans		3,213		5,227		2,676		108		127		11,351
Total commercial loans (excluding PCI)		150,566		96,580		22,384		13,094		31,499		314,123
Total commercial PCI loans (carrying value)		718		2,855		2,949		-		1,413		7,935
Total commercial loans	$	151,284		99,435		25,333		13,094		32,912		322,058

Loans by Delinquency Status, Consumer

	Real estate		Real estate				Other
	1-4 family		1-4 family				revolving
	first		junior lien		Credit		credit and
(in millions)	mortgage		mortgage		card		installment		Total
June 30, 2011
By delinquency status:
Current	$	153,943		83,423		19,866		62,689		319,921
1-29 DPD		6,105		3,524		645		6,930		17,204
30-59 DPD		4,181		770		198		884		6,033
60-89 DPD		1,916		510		148		268		2,842
90-119 DPD		1,169		359		121		127		1,776
120-179 DPD		1,585		587		212		42		2,426
180+ DPD		6,803		545		1		9		7,358
Government insured/guaranteed loans (1)		15,724		-		-		16,271		31,995
Total consumer loans (excluding PCI)		191,426		89,718		21,191		87,220		389,555
Total consumer PCI loans (carrying value)		31,448		229		-		-		31,677
Total consumer loans	$	222,874		89,947		21,191		87,220		421,232
December 31, 2010 (2)
By delinquency status:
Current	$	158,961		89,408		20,546		59,295		328,210
1-29 DPD		5,597		3,104		730		7,834		17,265
30-59 DPD		4,516		917		262		1,261		6,956
60-89 DPD		2,173		608		207		376		3,364
90-119 DPD		1,399		476		190		171		2,236
120-179 DPD		2,080		764		324		58		3,226
180+ DPD		6,750		622		1		117		7,490
Government insured/guaranteed loans (1)		15,514		-		-		17,453		32,967
Total consumer loans (excluding PCI)		196,990		95,899		22,260		86,565		401,714
Total consumer PCI loans (carrying value)		33,245		250		-		-		33,495
Total consumer loans	$	230,235		96,149		22,260		86,565		435,209

(1)	Represents loans whose repayments are insured by the FHA or guaranteed by the VA and student loans whose repayments are predominantly guaranteed by agencies on behalf of the U.S. Department of Education under the Federal Family Education Loan Program (FFELP).
(2)	Amounts at December 31, 2010, have been revised to conform to the current presentation.

Loans by FICO Score, Consumer

	Real estate		Real estate				Other
	1-4 family		1-4 family				revolving
	first		junior lien		Credit		credit and
(in millions)	mortgage		mortgage		card		installment		Total
June 30, 2011
By updated FICO:
< 600	$	23,444		8,026		2,365		9,560		43,395
600-639		11,020		4,157		1,722		5,847		22,746
640-679		15,584		7,107		3,146		8,760		34,597
680-719		24,184		12,359		4,399		9,837		50,779
720-759		27,527		17,928		4,407		9,014		58,876
760-799		47,007		25,576		3,189		9,576		85,348
800+		20,690		10,963		1,746		4,850		38,249
No FICO available		6,246		3,602		217		8,318		18,383
FICO not required		-		-		-		5,187		5,187
Government insured/guaranteed loans (1)		15,724		-		-		16,271		31,995
Total consumer loans (excluding PCI)		191,426		89,718		21,191		87,220		389,555
Total consumer PCI loans (carrying value)		31,448		229		-		-		31,677
Total consumer loans	$	222,874		89,947		21,191		87,220		421,232
December 31, 2010 (2)
By updated FICO:
< 600	$	26,013		9,126		2,872		10,806		48,817
600-639		11,105		4,457		1,826		5,965		23,353
640-679		16,202		7,678		3,305		8,344		35,529
680-719		25,549		13,759		4,522		9,480		53,310
720-759		29,443		20,334		4,441		8,808		63,026
760-799		47,250		27,222		3,215		9,357		87,044
800+		19,719		10,607		1,794		4,692		36,812
No FICO available		6,195		2,716		285		7,528		16,724
FICO not required		-		-		-		4,132		4,132
Government insured/guaranteed loans (1)		15,514		-		-		17,453		32,967
Total consumer loans (excluding PCI)		196,990		95,899		22,260		86,565		401,714
Total consumer PCI loans (carrying value)		33,245		250		-		-		33,495
Total consumer loans	$	230,235		96,149		22,260		86,565		435,209

(1)	Represents loans whose repayments are insured by the FHA or guaranteed by the VA and student loans whose repayments are predominantly guaranteed by agencies on behalf of the U.S. Department of Education under FFELP.
(2)	Amounts at December 31, 2010, have been revised to conform to the current presentation.

Loans by Loan to Value Ratio, Consumer

	June 30, 2011						December 31, 2010 (3)
	Real estate		Real estate				Real estate		Real estate
	1-4 family		1-4 family				1-4 family		1-4 family
	first		junior lien				first		junior lien
	mortgage		mortgage				mortgage		mortgage
(in millions)	by LTV		by CLTV		Total		by LTV		by CLTV		Total
By LTV/CLTV:
0-60%	$	45,661		13,462		59,123		47,808		14,814		62,622
60.01-80%		43,602		16,479		60,081		42,542		17,744		60,286
80.01-100%		38,982		21,220		60,202		39,497		24,255		63,752
100.01-120% (1)		22,913		16,633		39,546		24,147		17,887		42,034
> 120% (1)		20,814		19,013		39,827		24,243		18,628		42,871
No LTV/CLTV available		3,730		2,911		6,641		3,239		2,571		5,810
Government insured/guaranteed loans (2)		15,724		-		15,724		15,514		-		15,514
Total consumer loans (excluding PCI)		191,426		89,718		281,144		196,990		95,899		292,889
Total consumer PCI loans (carrying value)		31,448		229		31,677		33,245		250		33,495
Total consumer loans	$	222,874		89,947		312,821		230,235		96,149		326,384

(1)	Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of 100% LTV/CLTV.
(2)	Represents loans whose repayments are insured by the FHA or guaranteed by the VA.
(3)	Amounts at December 31, 2010, have been revised to conform to the current presentation.

Nonaccrual Loans

	June 30,		Dec. 31,
(in millions)	2011		2010
Commercial:
Commercial and industrial	$	2,393		3,213
Real estate mortgage		4,691		5,227
Real estate construction		2,043		2,676
Lease financing		79		108
Foreign		59		127
Total commercial (1)		9,265		11,351
Consumer:
Real estate 1-4 family first mortgage (2)		11,427		12,289
Real estate 1-4 family junior lien mortgage		2,098		2,302
Other revolving credit and installment		255		300
Total consumer		13,780		14,891
Total nonaccrual loans
(excluding PCI)	$	23,045		26,242

(1)	Includes LHFS of $52 million at June 30, 2011, and $3 million at December 31, 2010.
(2)	Includes MHFS of $304 million at June 30, 2011, and $426 million at December 31, 2010.

90 days Past Due but Still Accruing Loans

	June 30,		Dec. 31,
(in millions)	2011		2010
Total (excluding PCI):	$	17,318		18,488
Less: FHA insured/guaranteed by the VA (1)		14,474		14,733
Less: Student loans guaranteed under the FFELP (2)		1,014		1,106
Total, not government insured/guaranteed	$	1,830		2,649
By segment and class, not government insured/guaranteed:
Commercial:
Commercial and industrial	$	110		308
Real estate mortgage		137		104
Real estate construction		86		193
Foreign		12		22
Total commercial		345		627
Consumer:
Real estate 1-4 family first mortgage (3)		728		941
Real estate 1-4 family junior lien mortgage (3)		286		366
Credit card		334		516
Other revolving credit and installment		137		199
Total consumer		1,485		2,022
Total, not government insured/guaranteed	$	1,830		2,649

(1)	Represents loans whose repayments are insured by the FHA or guaranteed by the VA.
(2)	Represents loans whose repayments are predominantly guaranteed by agencies on behalf of the U.S. Department of Education under the FFELP.
(3)	Includes mortgage held for sale 90 days or more past due and still accruing.

Impaired Loans

	Recorded investment
					Impaired loans
	Unpaid				with related		Related
	principal		Impaired		allowance for		allowance for
(in millions)	balance		loans		credit losses		credit losses
June 30, 2011
Commercial:
Commercial and industrial	$	6,975		2,733		2,433		552
Real estate mortgage		7,027		5,017		4,740		1,306
Real estate construction		4,103		2,313		2,225		508
Lease financing		111		83		83		27
Foreign		192		13		13		6
Total commercial		18,408		10,159		9,494		2,399
Consumer:
Real estate 1-4 family first mortgage		14,613		12,938		12,938		3,021
Real estate 1-4 family junior lien mortgage		2,050		1,910		1,910		726
Credit card		572		572		572		363
Other revolving credit and installment		267		266		266		45
Total consumer		17,502		15,686		15,686		4,155
Total impaired loans (excluding PCI)	$	35,910		25,845		25,180		6,554
December 31, 2010
Commercial:
Commercial and industrial	$	8,190		3,600		3,276		607
Real estate mortgage		7,439		5,239		5,163		1,282
Real estate construction		4,676		2,786		2,786		548
Lease financing		149		91		91		34
Foreign		215		15		15		8
Total commercial		20,669		11,731		11,331		2,479
Consumer:
Real estate 1-4 family first mortgage		12,834		11,603		11,603		2,754
Real estate 1-4 family junior lien mortgage		1,759		1,626		1,626		578
Credit card		548		548		548		333
Other revolving credit and installment		231		230		230		58
Total consumer		15,372		14,007		14,007		3,723
Total impaired loans (excluding PCI)	$	36,041		25,738		25,338		6,202

Impaired Loans, Average Recorded Investment and Interest Income

	Quarter ended June 30,								Six months ended June 30,
	2011				2010				2011				2010
	Average		Recognized		Average		Recognized		Average		Recognized		Average		Recognized
	recorded		interest		recorded		interest		recorded		interest		recorded		interest
(in millions)	investment		income		investment		income		investment		income		investment		income
Commercial:
Commercial and industrial	$	2,860		21		3,346		20		3,016		45		3,455		49
Real estate mortgage		5,355		17		3,663		10		5,478		30		2,960		18
Real estate construction		2,426		11		3,002		8		2,560		25		2,891		12
Lease financing		91		—		24		-		100		-		48		-
Foreign		14		—		54		-		14		-		66		-
Total commercial		10,746		49		10,089		38		11,168		100		9,420		79
Consumer:
Real estate 1-4 family first mortgage		12,471		154		8,854		130		12,144		305		8,164		234
Real estate 1-4 family junior lien mortgage		1,903		20		1,411		18		1,826		34		1,414		31
Credit card		587		6		274		5		579		12		226		6
Other revolving credit and installment		260		4		108		-		252		13		79		-
Total consumer		15,221		184		10,647		153		14,801		364		9,883		271
Total impaired loans	$	25,967		233		20,736		191		25,969		464		19,303		350
Interest income:
Cash basis of accounting			$	47				54				85				101
Other (1)				186				137				379				249
Total interest income			$	233				191				464				350

(1) Includes interest recognized on accruing TDRs, interest recognized related to certain impaired loans which have an allowance calculated using discounting, and amortization of purchase accounting adjustments related to certain impaired loans. See footnote 1 to the table of changes in the allowance for credit losses.

Purchased Credit Impaired Loans, Loans Outstanding

	June 30,		Dec. 31,
(in millions)	2011		2010
Commercial:
Commercial and industrial	$	527		718
Real estate mortgage		2,800		2,855
Real estate construction		2,188		2,949
Foreign		1,501		1,413
Total commercial		7,016		7,935
Consumer:
Real estate 1-4 family first mortgage		31,448		33,245
Real estate 1-4 family junior lien mortgage		229		250
Other revolving credit and installment		-		-
Total consumer		31,677		33,495
Total PCI loans (carrying value)	$	38,693		41,430
Total PCI loans (unpaid principal balance)	$	59,145		64,331

Purchased Credit Impaired Loans, Accretable Yield

	Quarter ended			Six months ended
	June 30,			June 30,			Year ended Dec. 31,
(in millions)	2011			2011			2010			2009
Total, beginning of period	$	15,881			16,714			14,559			10,447
Accretion into interest income (1)		(556	)		(1,102	)		(2,392	)		(2,601	)
Accretion into noninterest income due to sales (2)		(31	)		(186	)		(43	)		(5	)
Reclassification from nonaccretable difference for loans with improving credit-related cash flows		95			210			3,399			441
Changes in expected cash flows that do not affect nonaccretable difference (3)		(518	)		(765	)		1,191			6,277
Total, end of period	$	14,871			14,871			16,714			14,559

(1)	Includes accretable yield released as a result of settlements with borrowers, which is included in interest income.
(2)	Includes accretable yield released as a result of sales to third parties, which is included in noninterest income.
(3)	Represents changes in cash flows expected to be collected due to changes in interest rates on variable rate PCI loans, changes in prepayment assumptions and the impact of modifications.

Purchased Credit Impaired Loans, Allowance for Credit Losses

						Other
(in millions)	Commercial			Pick-a-Pay		consumer			Total
Balance, December 31, 2008	$	-			-		-			-
Provision for losses due to credit deterioration		850			-		3			853
Charge-offs		(520	)		-		-			(520	)
Balance, December 31, 2009		330			-		3			333
Provision for losses due to credit deterioration		712			-		59			771
Charge-offs		(776	)		-		(30	)		(806	)
Balance, December 31, 2010		266			-		32			298
Provision for losses due to credit deterioration		55			-		38			93
Charge-offs		(106	)		-		(12	)		(118	)
Balance, June 30, 2011	$	215			-		58			273
Balance, March 31, 2011	$	234			-		23			257
Provision for losses due to credit deterioration		44			-		39			83
Charge-offs		(63	)		-		(4	)		(67	)
Balance, June 30, 2011	$	215			-		58			273

Purchased Credit Impaired Loans by Credit Quality Indicator

	Commercial		Real		Real
	and		estate		estate
(in millions)	industrial		mortgage		construction		Foreign		Total
June 30, 2011
By risk category:
Pass	$	260		512		231		154		1,157
Criticized		267		2,288		1,957		1,347		5,859
Total commercial PCI loans	$	527		2,800		2,188		1,501		7,016
December 31, 2010
By risk category:
Pass	$	214		352		128		210		904
Criticized		504		2,503		2,821		1,203		7,031
Total commercial PCI loans	$	718		2,855		2,949		1,413		7,935

Purchased Credit Impaired Loans by Delinquency Status, Commercial

	Commercial		Real		Real
	and		estate		estate
(in millions)	industrial		mortgage		construction		Foreign		Total
June 30, 2011
By delinquency status:
Current-29 DPD	$	434		2,420		1,182		1,281		5,317
30-89 DPD		33		82		166		-		281
90+ DPD and still accruing		60		298		840		220		1,418
Total commercial PCI loans	$	527		2,800		2,188		1,501		7,016
December 31, 2010
By delinquency status:
Current-29 DPD	$	612		2,295		1,395		1,209		5,511
30-89 DPD		22		113		178		-		313
90+ DPD and still accruing		84		447		1,376		204		2,111
Total commercial PCI loans	$	718		2,855		2,949		1,413		7,935

Purchased Credit Impaired Loans by Delinquency Status, Consumer

	June 30, 2011						December 31, 2010
	Real estate		Real estate				Real estate		Real estate
	1-4 family		1-4 family				1-4 family		1-4 family
	first		junior lien				first		junior lien
(in millions)	mortgage		mortgage		Total		mortgage		mortgage		Total
By delinquency status:
Current	$	27,778		222		28,000		29,253		357		29,610
1-29 DPD		39		72		111		44		79		123
30-59 DPD		3,403		19		3,422		3,586		30		3,616
60-89 DPD		1,360		9		1,369		1,364		17		1,381
90-119 DPD		696		8		704		881		13		894
120-179 DPD		1,072		12		1,084		1,346		19		1,365
180+ DPD		6,638		168		6,806		7,214		220		7,434
Total consumer PCI loans	$	40,986		510		41,496		43,688		735		44,423
Total consumer PCI loans (carrying value)	$	31,448		229		31,677		33,245		250		33,495

Purchased Credit Impaired Loans by FICO Score, Consumer

	June 30, 2011						December 31, 2010
	Real estate		Real estate				Real estate		Real estate
	1-4 family		1-4 family				1-4 family		1-4 family
	first		junior lien				first		junior lien
(in millions)	mortgage		mortgage		Total		mortgage		mortgage		Total
By FICO:
< 600	$	19,365		241		19,606		22,334		363		22,697
600-639		7,671		85		7,756		7,563		109		7,672
640-679		6,554		85		6,639		6,185		96		6,281
680-719		3,907		49		3,956		3,949		60		4,009
720-759		1,957		15		1,972		2,057		17		2,074
760-799		997		6		1,003		1,087		7		1,094
800+		221		2		223		232		2		234
No FICO available		314		27		341		281		81		362
Total consumer PCI loans	$	40,986		510		41,496		43,688		735		44,423
Total consumer PCI loans (carrying value)	$	31,448		229		31,677		33,245		250		33,495

Purchased Credit Impaired Loans by Loan to Value Ratio, Consumer

	June 30, 2011						December 31, 2010
	Real estate		Real estate				Real estate		Real estate
	1-4 family		1-4 family				1-4 family		1-4 family
	first		junior lien				first		junior lien
	mortgage		mortgage				mortgage		mortgage
(in millions)	by LTV		by CLTV		Total		by LTV		by CLTV		Total
By LTV/CLTV:
0-60%	$	1,202		27		1,229		1,653		43		1,696
60.01-80%		4,273		53		4,326		5,513		42		5,555
80.01-100%		10,535		77		10,612		11,861		89		11,950
100.01-120% (1)		9,687		90		9,777		9,525		116		9,641
> 120% (1)		15,166		257		15,423		15,047		314		15,361
No LTV/CLTV available		123		6		129		89		131		220
Total consumer PCI loans	$	40,986		510		41,496		43,688		735		44,423
Total consumer PCI loans (carrying value)	$	31,448		229		31,677		33,245		250		33,495

(1) Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of 100% LTV/CLTV.