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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Amount      
U.S. Federal income tax expense (benefit) $ 442 $ 444 $ (1,214)
Increase (decrease) resulting from:      
Goodwill impairment 0 0 1,217
State and local income taxes (net of federal benefit) 27 22 1
Bank-owned life insurance (20) (17) (17)
Tax-exempt interest (17) (15) (13)
Tax credits (16) (27) (11)
Non-deductible expenses 8 0 0
Other (1) (4) (5)
Income tax expense (benefit) $ 423 $ 403 $ (42)
Rate      
Federal income tax rate 35.00% 35.00% 35.00%
Increase (decrease) resulting from:      
Goodwill impairment, Tax rate 0.00% 0.00% (35.10%)
State and local income taxes (net of federal benefit), Tax rate 2.10% 1.70% 0.00%
Bank-owned life insurance, Tax rate (1.60%) (1.30%) 0.50%
Tax-exempt interest, Tax rate (1.30%) (1.20%) 0.40%
Tax credits, Tax rate (1.20%) (2.10%) 0.30%
Non-deductible fines and penalties, Tax rate 0.60% 0.00% 0.00%
Other, Tax rate (0.10%) (0.30%) 0.10%
Total income tax expense (benefit) and tax rate, Tax rate 33.50% 31.80% 1.20%