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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
OPERATING ACTIVITIES          
Net income     $ 763 $ 619  
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for credit losses     267 211  
Originations of mortgage loans held for sale     (1,904) (1,836)  
Proceeds from sales of mortgage loans held for sale     1,775 1,780  
Purchases of commercial loans held for sale     (1,053) (887)  
Proceeds from sales of commercial loans held for sale     1,040 826  
Amortization of terminated cash flow hedges     6 13  
Depreciation, amortization and accretion     387 350  
Mortgage servicing rights valuation charge-off (recovery) $ 2 $ 1 6 (6)  
Securities impairment 3 2 11 5  
Deferred income taxes     143 76  
Share-based compensation     15 22  
Net gain on sales of:          
Debt securities     (13) (19)  
Marketable equity securities available for sale     0 (3)  
Premises and equipment     (2) (9)  
Increase in other assets     (305) (306)  
Increase (decrease) in other liabilities     62 (5)  
Net cash provided by operating activities     1,198 831  
INVESTING ACTIVITIES          
Purchases of securities available for sale     (4,774) (5,418)  
Proceeds from maturities and paydowns of securities available for sale     2,658 2,660  
Proceeds from sales of securities available for sale     785 3,180  
Purchases of securities held to maturity     (523) (811)  
Proceeds from maturities and paydowns of securities held to maturity     503 610  
Proceeds from sales of securities held to maturity     0 73  
Purchases of other investment securities, at fair value     (204) (109)  
Proceeds from sales of other investment securities, at fair value     161 92  
Purchases of other investment securities, at cost     (84) (33)  
Proceeds from sales of other investment securities, at cost     70 78  
Net (increase) decrease in interest-bearing deposits in banks     (364) 7  
Net increase in loans and leases     (6,724) (4,315)  
Net increase in bank-owned life insurance     (36) (26)  
Premises and equipment:          
Purchases     (44) (54)  
Proceeds from sales     3 12  
Capitalization of software     (126) (142)  
Net cash used in investing activities     (8,699) (4,196)  
FINANCING ACTIVITIES          
Net increase in deposits     5,788 6,159  
Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase     98 (2,983)  
Net decrease in other short-term borrowed funds     (1,635) (1,152)  
Proceeds from issuance of long-term borrowed funds     9,644 250  
Repayments of long-term borrowed funds     (6,128) (8)  
Treasury stock purchased (250)   (250) (500)  
Net proceeds from issuance of preferred stock     0 247  
Dividends declared and paid to common stockholders     (179) (161)  
Dividends declared and paid to preferred stockholders     (7) (7)  
Net cash provided by financing activities     7,331 1,845  
Decrease in cash and cash equivalents     (170) (1,520)  
Cash and cash equivalents at beginning of period     3,085 3,276 $ 3,276
Cash and cash equivalents at end of period $ 2,915 $ 1,756 $ 2,915 $ 1,756 $ 3,085