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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
OPERATING ACTIVITIES      
Net income $ 1,045,000,000 $ 840,000,000 $ 865,000,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for credit losses 369,000,000 302,000,000 319,000,000
Originations of mortgage loans held for sale (2,829,000,000) (2,363,000,000) (1,615,000,000)
Proceeds from sales of mortgage loans held for sale 2,652,000,000 2,381,000,000 1,578,000,000
Purchases of commercial loans held for sale (1,355,000,000) (1,176,000,000) (312,000,000)
Proceeds from sales of commercial loans held for sale 1,335,000,000 1,158,000,000 269,000,000
Amortization of terminated cash flow hedges (8,000,000) 17,000,000 46,000,000
Depreciation, amortization and accretion 523,000,000 471,000,000 386,000,000
Mortgage servicing rights valuation recovery (4,000,000) (9,000,000) (5,000,000)
Securities impairment 12,000,000 7,000,000 10,000,000
Deferred income taxes 153,000,000 249,000,000 141,000,000
Share-based compensation 23,000,000 24,000,000 53,000,000
Loss on disposal/impairment of premises and equipment 0 0 27,000,000
Loss on sale of other branch assets held for sale 0 0 9,000,000
Gain on sales of:      
Debt securities (16,000,000) (29,000,000) (28,000,000)
Marketable equity securities available for sale (3,000,000) (3,000,000) 0
Premises and equipment (2,000,000) (9,000,000) 0
Extinguishment of debt 0 (3,000,000) 0
Other loans held for sale (72,000,000) 0 (11,000,000)
Deposits held for sale 0 0 (286,000,000)
Increase in other assets (274,000,000) (467,000,000) (295,000,000)
(Decrease) increase in other liabilities (59,000,000) (161,000,000) 239,000,000
Net cash provided by operating activities 1,490,000,000 1,229,000,000 1,390,000,000
INVESTING ACTIVITIES      
Purchases of securities available for sale (7,664,000,000) (6,783,000,000) (8,315,000,000)
Proceeds from maturities and paydowns of securities available for sale 3,785,000,000 3,420,000,000 2,999,000,000
Proceeds from sales of securities available for sale 1,966,000,000 3,916,000,000 3,325,000,000
Purchases of securities held to maturity (523,000,000) (932,000,000) (1,174,000,000)
Proceeds from maturities and paydowns of securities held to maturity 720,000,000 761,000,000 362,000,000
Proceeds from sales of securities held to maturity 0 72,000,000 0
Purchases of other investment securities, at fair value (246,000,000) (157,000,000) 0
Proceeds from sales of other investment securities, at fair value 220,000,000 120,000,000 0
Purchases of other investment securities, at cost (166,000,000) (91,000,000) (84,000,000)
Proceeds from sales of other investment securities, at cost 87,000,000 95,000,000 146,000,000
Net (increase) decrease in interest-bearing deposits in banks (83,000,000) 14,000,000 (137,000,000)
Net increase in loans and leases (9,074,000,000) (6,019,000,000) (6,900,000,000)
Net increase in bank-owned life insurance (48,000,000) (37,000,000) (188,000,000)
Premises and equipment:      
Purchases (138,000,000) (121,000,000) (141,000,000)
Proceeds from sales 3,000,000 15,000,000 3,000,000
Capitalization of software (165,000,000) (178,000,000) (170,000,000)
Net cash used in investing activities (11,326,000,000) (5,905,000,000) (10,274,000,000)
FINANCING ACTIVITIES      
Net increase in deposits 7,265,000,000 6,832,000,000 3,813,000,000
Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase 346,000,000 (3,474,000,000) (515,000,000)
Net (decrease) increase in other short-term borrowed funds (3,186,000,000) (4,383,000,000) 4,002,000,000
Proceeds from issuance of long-term borrowed funds 15,144,000,000 6,750,000,000 3,249,000,000
Repayments of long-term borrowed funds (8,429,000,000) (766,000,000) (6,000,000)
Treasury stock purchased (430,000,000) (500,000,000) (334,000,000)
Net proceeds from issuance of preferred stock 0 247,000,000 0
Dividends declared and paid to common stockholders (241,000,000) (214,000,000) (806,000,000)
Dividends declared and paid to preferred stockholders (14,000,000) (7,000,000) 0
Net cash provided by financing activities 10,455,000,000 4,485,000,000 9,403,000,000
Increase (decrease) in cash and cash equivalents 619,000,000 (191,000,000) 519,000,000
Cash and cash equivalents at beginning of period 3,085,000,000 3,276,000,000 2,757,000,000
Cash and cash equivalents at end of period 3,704,000,000 3,085,000,000 3,276,000,000
Supplemental disclosures:      
Interest paid 505,000,000 454,000,000 338,000,000
Income taxes paid 94,000,000 157,000,000 391,000,000
Non-cash items:      
Loans securitized and transferred to securities available for sale 68,000,000 3,000,000 18,000,000
Income tax withholding on stock purchased for share based compensation 0 22,000,000 2,000,000
Stock purchased for share-based compensation plans 12,000,000 40,000,000 71,000,000
Stock purchased for Employee Stock Purchase Plan $ 10,000,000 $ 9,000,000 $ 2,000,000