ALLOWANCE FOR CREDIT LOSSES, NONPERFORMING ASSETS, AND CONCENTRATIONS OF CREDIT RISK (Tables)

6 Months Ended

Jun. 30, 2018

Schedule of changes in the allowance for credit losses

A summary of changes in the allowance for credit losses is presented below:



	Three Months Ended June 30, 2018									Six Months Ended June 30, 2018
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$711			$535			$1,246			$685			$551			$1,236
Charge-offs	(14		)	(106		)	(120		)	(17		)	(219		)	(236		)
Recoveries	2			42			44			8			82			90
Net charge-offs	(12		)	(64		)	(76		)	(9		)	(137		)	(146		)
Provision charged to income	16			67			83			39			124			163
Allowance for loan and lease losses, end of period	715			538			1,253			715			538			1,253
Reserve for unfunded lending commitments, beginning of period	86			—			86			88			—			88
Provision for unfunded lending commitments	2			—			2			—			—			—
Reserve for unfunded lending commitments, end of period	88			—			88			88			—			88
Total allowance for credit losses, end of period		$803			$538			$1,341			$803			$538			$1,341



	Three Months Ended June 30, 2017									Six Months Ended June 30, 2017
(in millions)	Commercial			Retail			Total			Commercial			Retail			Total
Allowance for loan and lease losses, beginning of period		$653			$571			$1,224			$663			$573			$1,236
Charge-offs	(24		)	(104		)	(128		)	(48		)	(213		)	(261		)
Recoveries	10			43			53			15			84			99
Net charge-offs	(14		)	(61		)	(75		)	(33		)	(129		)	(162		)
Provision charged to income	(25		)	95			70			(16		)	161			145
Allowance for loan and lease losses, end of period	614			605			1,219			614			605			1,219
Reserve for unfunded lending commitments, beginning of period	93			—			93			72			—			72
Provision for unfunded lending commitments	—			—			—			21			—			21
Reserve for unfunded lending commitments, end of period	93			—			93			93			—			93
Total allowance for credit losses, end of period		$707			$605			$1,312			$707			$605			$1,312

Schedule of loans and leases based on evaluation method

The recorded investment in loans and leases based on the Company’s evaluation methodology is presented below:



	June 30, 2018						December 31, 2017
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$426		$742		$1,168		$370		$761		$1,131
Formula-based evaluation	54,462		57,777		112,239		51,661		57,825		109,486
Total loans and leases		$54,888		$58,519		$113,407		$52,031		$58,586		$110,617

Schedule of allowance for credit losses by evaluation method

A summary of the allowance for credit losses by evaluation method is presented below:



	June 30, 2018						December 31, 2017
(in millions)	Commercial		Retail		Total		Commercial		Retail		Total
Individually evaluated		$62		$28		$90		$47		$34		$81
Formula-based evaluation	741		510		1,251		726		517		1,243
Allowance for credit losses		$803		$538		$1,341		$773		$551		$1,324

Schedule of classes of commercial loans and leases based on regulatory classifications

The recorded investment in commercial loans and leases based on regulatory classification ratings is presented below:



	June 30, 2018
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$36,576		$1,694		$754		$254		$39,278
Commercial real estate	12,044		336		119		29		12,528
Leases	2,955		88		39		—		3,082
Total commercial loans and leases		$51,575		$2,118		$912		$283		$54,888



	December 31, 2017
			Criticized
(in millions)	Pass		Special Mention		Substandard		Doubtful		Total
Commercial		$35,430		$1,143		$785		$204		$37,562
Commercial real estate	10,706		500		74		28		11,308
Leases	3,069		73		19		—		3,161
Total commercial loans and leases		$49,205		$1,716		$878		$232		$52,031

Schedule of retail loan investments categorized by delinquency status

The recorded investment in classes of retail loans, categorized by delinquency status is presented below:



	June 30, 2018
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$17,557		$104		$30		$9		$114		$17,814
Home equity loans	1,083		73		8		3		44		1,211
Home equity lines of credit	12,397		361		51		16		189		13,014
Home equity loans serviced by others	413		27		7		2		16		465
Home equity lines of credit serviced by others	98		15		3		1		7		124
Automobile	11,267		977		174		47		52		12,517
Education	8,274		132		21		11		12		8,450
Credit cards	1,795		46		11		8		17		1,877
Other retail	2,936		65		20		14		12		3,047
Total retail loans		$55,820		$1,800		$325		$111		$463		$58,519



	December 31, 2017
			Days Past Due
(in millions)	Current		1-29		30-59		60-89		90 or More		Total
Residential mortgages		$16,714		$147		$46		$18		$120		$17,045
Home equity loans	1,212		102		20		4		54		1,392
Home equity lines of credit	12,756		438		78		23		188		13,483
Home equity loans serviced by others	477		29		10		4		22		542
Home equity lines of credit serviced by others	116		21		4		1		7		149
Automobile	11,596		1,273		220		55		60		13,204
Education	7,898		160		23		12		41		8,134
Credit cards	1,747		63		12		9		17		1,848
Other retail	2,679		68		20		12		10		2,789
Total retail loans		$55,195		$2,301		$433		$138		$519		$58,586

Schedule of nonperforming loans and leases by class

The following table presents nonperforming loans and leases and loans accruing and 90 days or more past due:



	Nonperforming				Accruing and 90 days or more past due
(in millions)	June 30, 2018		December 31, 2017		June 30, 2018		December 31, 2017
Commercial		$249		$238		$3		$5
Commercial real estate	31		27		—		3
Leases	—		—		—		—
Total commercial loans and leases	280		265		3		8
Residential mortgages⁽¹⁾	119		128		14		16
Home equity loans	59		72		—		—
Home equity lines of credit	225		233		—		—
Home equity loans serviced by others	19		25		—		—
Home equity lines of credit serviced by others	17		18		—		—
Automobile	62		70		—		—
Education	40		38		3		3
Credit card	17		17		—		—
Other retail	7		5		6		5
Total retail loans	565		606		23		24
Total		$845		$871		$26		$32

⁽¹⁾ Nonperforming balances exclude first lien residential mortgage loans that are 100% guaranteed by the Federal Housing Administration. These loans, which are accruing and 90 days or more past due, totaled $11 million and $15 million as of June 30, 2018 and December 31, 2017, respectively. Nonperforming balances also exclude guaranteed residential mortgage loans sold to GNMA for which the Company has the right, but not the obligation, to repurchase. These loans totaled $23 million and $30 million as of June 30, 2018 and December 31, 2017, respectively. These loans are included in the Company’s Consolidated Balance Sheets.

Summary of key performance indicators

A summary of nonperforming loan and lease key performance indicators is presented below:



	June 30, 2018		December 31, 2017
Nonperforming commercial loans and leases as a percentage of total loans and leases	0.25	%	0.24	%
Nonperforming retail loans as a percentage of total loans and leases	0.50		0.55
Total nonperforming loans and leases as a percentage of total loans and leases	0.75	%	0.79	%

Nonperforming commercial assets as a percentage of total assets	0.18	%	0.17	%
Nonperforming retail assets as a percentage of total assets	0.38	%	0.43	%
Total nonperforming assets as a percentage of total assets	0.56	%	0.60	%

Analysis of age of past due amounts

An analysis of the age of both accruing and nonaccruing loan and lease past due amounts is presented below:



	June 30, 2018								December 31, 2017
	Days Past Due								Days Past Due
(in millions)	30-59		60-89		90 or More		Total		30-59		60-89		90 or More		Total
Commercial		$32		$50		$78		$160		$26		$4		$243		$273
Commercial real estate	1		5		28		34		38		20		30		88
Leases	3		—		—		3		4		1		—		5
Total commercial loans and leases	36		55		106		197		68		25		273		366
Residential mortgages	30		9		114		153		46		18		120		184
Home equity loans	8		3		44		55		20		4		54		78
Home equity lines of credit	51		16		189		256		78		23		188		289
Home equity loans serviced by others	7		2		16		25		10		4		22		36
Home equity lines of credit serviced by others	3		1		7		11		4		1		7		12
Automobile	174		47		52		273		220		55		60		335
Education	21		11		12		44		23		12		41		76
Credit cards	11		8		17		36		12		9		17		38
Other retail	20		14		12		46		20		12		10		42
Total retail loans	325		111		463		899		433		138		519		1,090
Total		$361		$166		$569		$1,096		$501		$163		$792		$1,456

Schedule of impaired loans by class

A summary of impaired loans by class is presented below:



	June 30, 2018
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$278		$57		$113		$451		$391
Commercial real estate	25		5		10		49		35
Leases	—		—		—		—		—
Total commercial loans and leases	303		62		123		500		426
Residential mortgages	29		2		127		201		156
Home equity loans	36		3		75		150		111
Home equity lines of credit	17		1		185		247		202
Home equity loans serviced by others	25		2		21		60		46
Home equity lines of credit serviced by others	2		—		7		12		9
Automobile	2		—		22		30		24
Education	140		12		23		164		163
Credit cards	24		7		—		25		24
Other retail	4		1		3		9		7
Total retail loans	279		28		463		898		742
Total		$582		$90		$586		$1,398		$1,168



	December 31, 2017
(in millions)	Impaired Loans With a Related Allowance		Allowance on Impaired Loans		Impaired Loans Without a Related Allowance		Unpaid Contractual Balance		Total Recorded Investment in Impaired Loans
Commercial		$183		$42		$159		$403		$342
Commercial real estate	25		5		3		40		28
Leases	—		—		—		—		—
Total commercial loans and leases	208		47		162		443		370
Residential mortgages	25		2		126		197		151
Home equity loans	41		4		80		162		121
Home equity lines of credit	16		1		181		241		197
Home equity loans serviced by others	29		2		22		67		51
Home equity lines of credit serviced by others	2		—		7		14		9
Automobile	2		—		21		30		23
Education	154		17		21		175		175
Credit cards	24		7		1		25		25
Other retail	5		1		4		10		9
Total retail loans	298		34		463		921		761
Total		$506		$81		$625		$1,364		$1,131

Schedule of additional information on impaired loans

Additional information on impaired loans is presented below:



	Three Months Ended June 30,
	2018				2017
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$2		$332		$1		$431
Commercial real estate	—		36		—		38
Leases	—		—		—		—
Total commercial loans and leases	2		368		1		469
Residential mortgages	2		152		2		182
Home equity loans	1		112		1		141
Home equity lines of credit	2		198		1		203
Home equity loans serviced by others	—		46		1		54
Home equity lines of credit serviced by others	—		9		—		9
Automobile	—		22		—		20
Education	2		165		2		146
Credit cards	1		24		1		25
Other retail	—		8		—		10
Total retail loans	8		736		8		790
Total		$10		$1,104		$9		$1,259



	Six Months Ended June 30,
	2018				2017
(in millions)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Commercial		$4		$311		$2		$414
Commercial real estate	—		32		—		41
Leases	—		—		—		—
Total commercial loans and leases	4		343		2		455
Residential mortgages	3		149		3		178
Home equity loans	3		112		3		140
Home equity lines of credit	4		192		3		197
Home equity loans serviced by others	1		47		2		54
Home equity lines of credit serviced by others	—		9		—		9
Automobile	—		21		—		18
Education	4		165		4		146
Credit cards	1		23		1		24
Other retail	—		8		—		10
Total retail loans	16		726		16		776
Total		$20		$1,069		$18		$1,231

Troubled debt restructurings on financing receivables

The table below summarizes TDRs by class and total unfunded commitments:



(in millions)	June 30, 2018		December 31, 2017
Commercial		$244		$129
Retail	742		761
Unfunded commitments tied to TDRs	35		39

The table below summarizes how loans were modified during the three months ended June 30, 2018, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the three months ended June 30, 2018 and were paid off in full, charged off, or sold prior to June 30, 2018.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	4		$1		$1	4		$—		$—
Commercial real estate	—	—		—		—	—		—
Leases	—	—		—		—	—		—
Total commercial loans and leases	4	1		1		4	—		—
Residential mortgages	16	1		2		23	3		3
Home equity loans	11	1		1		1	—		—
Home equity lines of credit	13	1		1		47	6		6
Home equity loans serviced by others	—	—		—		—	—		—
Home equity lines of credit serviced by others	2	—		—		1	—		—
Automobile	41	1		1		16	—		—
Education	—	—		—		—	—		—
Credit cards	559	3		3		—	—		—
Other retail	—	—		—		—	—		—
Total retail loans	642	7		8		88	9		9
Total	646		$8		$9	92		$9		$9



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification		Charge-offs Resulting from Modification
Commercial	17		$59		$59		$—		$—
Commercial real estate	2	31		31		—		—
Leases	—	—		—		—		—
Total commercial loans and leases	19	90		90		—		—
Residential mortgages	33	4		5		—		—
Home equity loans	34	1		1		—		—
Home equity lines of credit	113	8		7		—		—
Home equity loans serviced by others	8	—		—		—		—
Home equity lines of credit serviced by others	2	—		—		—		—
Automobile	309	5		5		—		1
Education	139	3		3		—		—
Credit cards	—	—		—		1		—
Other retail	—	—		—		—		—
Total retail loans	638	21		21		1		1
Total	657		$111		$111		$1		$1

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

⁽³⁾ Includes modifications other than interest rate reductions or maturity extensions, such as lowering scheduled payments for a specified period of time, principal forgiveness, and capitalizing arrearages. Also included are the following: deferrals, trial modifications, certain bankruptcies, loans in forbearance and prepayment plans. Modifications can include the deferral of accrued interest resulting in post modification balances being higher than pre-modification.

The table below summarizes how loans were modified during the three months ended June 30, 2017, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the three months ended June 30, 2017 and were paid off in full, charged off, or sold prior to June 30, 2017.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	2		$—		$—	11		$13		$13
Commercial real estate	—	—		—		—	—		—
Leases	—	—		—		—	—		—
Total commercial loans and leases	2	—		—		11	13		13
Residential mortgages	25	4		3		25	5		5
Home equity loans	22	1		2		—	—		—
Home equity lines of credit	14	—		—		67	9		9
Home equity loans serviced by others	5	—		—		—	—		—
Home equity lines of credit serviced by others	2	—		—		—	—		—
Automobile	25	—		—		7	—		—
Education	—	—		—		—	—		—
Credit cards	624	4		4		—	—		—
Other retail	—	—		—		—	—		—
Total retail loans	717	9		9		99	14		14
Total	719		$9		$9	110		$27		$27



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	4		$32		$31		$1			$—
Commercial real estate	—	—		—		—			—
Leases	—	—		—		—			—
Total commercial loans and leases	4	32		31		1			—
Residential mortgages	44	6		6		—			—
Home equity loans	42	2		2		—			—
Home equity lines of credit	112	8		7		—			—
Home equity loans serviced by others	16	—		—		—			—
Home equity lines of credit serviced by others	2	—		—		—			—
Automobile	349	6		6		—			1
Education	7	1		1		1			—
Credit cards	—	—		—		1			—
Other retail	2	—		—		(1		)	—
Total retail loans	574	23		22		1			1
Total	578		$55		$53		$2			$1

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

The table below summarizes how loans were modified during the six months ended June 30, 2018, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the six months ended June 30, 2018 and were paid off in full, charged off, or sold prior to June 30, 2018.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	5		$1		$1	10		$1		$1
Commercial real estate	—	—		—		1	—		—
Leases	—	—		—		—	—		—
Total commercial loans and leases	5	1		1		11	1		1
Residential mortgages	23	2		3		30	4		4
Home equity loans	22	2		2		1	—		—
Home equity lines of credit	28	2		2		89	11		11
Home equity loans serviced by others	1	—		—		—	—		—
Home equity lines of credit serviced by others	4	—		—		1	—		—
Automobile	77	2		2		33	1		1
Education	—	—		—		—	—		—
Credit cards	1,153	6		6		—	—		—
Other retail	1	—		—		—	—		—
Total retail loans	1,309	14		15		154	16		16
Total	1,314		$15		$16	165		$17		$17



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification		Charge-offs Resulting from Modification
Commercial	35		$133		$134		$—		$—
Commercial real estate	2	31		31		—		—
Leases	—	—		—		—		—
Total commercial loans and leases	37	164		165		—		—
Residential mortgages	86	10		11		—		—
Home equity loans	66	3		3		—		—
Home equity lines of credit	206	15		14		—		—
Home equity loans serviced by others	15	—		—		—		—
Home equity lines of credit serviced by others	5	—		—		—		—
Automobile	578	10		9		—		2
Education	251	4		4		—		—
Credit cards	—	—		—		2		—
Other retail	4	—		—		—		—
Total retail loans	1,211	42		41		2		2
Total	1,248		$206		$206		$2		$2

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

The table below summarizes how loans were modified during the six months ended June 30, 2017, the charge-offs related to the modifications, and the impact on the ALLL. The reported balances can include loans that became TDRs during the six months ended June 30, 2017 and were paid off in full, charged off, or sold prior to June 30, 2017.



	Primary Modification Types
	Interest Rate Reduction ⁽¹⁾					Maturity Extension ⁽²⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Commercial	4		$1		$1	18		$14		$14
Commercial real estate	—	—		—		—	—		—
Leases	—	—		—		—	—		—
Total commercial loans and leases	4	1		1		18	14		14
Residential mortgages	43	5		5		36	8		8
Home equity loans	43	2		3		1	—		—
Home equity lines of credit	30	1		1		118	15		15
Home equity loans serviced by others	11	1		1		—	—		—
Home equity lines of credit serviced by others	3	—		—		2	—		—
Automobile	65	1		1		15	—		—
Education	—	—		—		—	—		—
Credit cards	1,189	7		7		—	—		—
Other retail	1	—		—		—	—		—
Total retail loans	1,385	17		18		172	23		23
Total	1,389		$18		$19	190		$37		$37



	Primary Modification Types
	Other ⁽³⁾
(dollars in millions)	Number of Contracts	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Net Change to ALLL Resulting from Modification			Charge-offs Resulting from Modification
Commercial	4		$32		$31		$1			$—
Commercial real estate	—	—		—		—			—
Leases	1	4		4		—			—
Total commercial loans and leases	5	36		35		1			—
Residential mortgages	92	10		10		—			—
Home equity loans	144	8		8		—			—
Home equity lines of credit	187	14		13		—			—
Home equity loans serviced by others	30	1		1		—			—
Home equity lines of credit serviced by others	13	1		1		—			—
Automobile	625	11		10		—			2
Education	22	2		2		1			—
Credit cards	—	—		—		2			—
Other retail	3	—		—		(1		)	—
Total retail loans	1,116	47		45		2			2
Total	1,121		$83		$80		$3			$2

⁽¹⁾ Includes modifications that consist of multiple concessions, one of which is an interest rate reduction.

⁽²⁾ Includes modifications that consist of multiple concessions, one of which is a maturity extension (unless one of the other concessions was an interest rate reduction).

Schedule of defaults

The table below summarizes TDRs that defaulted within 12 months of their modification date during the six months ended June 30, 2018 and 2017, respectively. For purposes of this table, a payment default refers to a loan that becomes 90 days or more past due under the modified terms. Amounts represent the loan’s recorded investment at the time of payment default. If a TDR of any loan type becomes 90 days past due after being modified, the loan is written down to the fair value of collateral less cost to sell. The amount written off is charged to the ALLL.



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017
(dollars in millions)	Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted		Number of Contracts	Balance Defaulted
Commercial	3		$17	4		$1	6		$20	5		$1
Commercial real estate	1	—		—	—		1	—		1	4
Leases	—	—		—	—		—	—		—	—
Total commercial loans and leases	4	17		4	1		7	20		6	5
Residential mortgages	44	5		41	4		70	8		86	10
Home equity loans	7	—		14	1		18	1		23	1
Home equity lines of credit	40	3		65	4		106	8		100	7
Home equity loans serviced by others	5	—		9	—		10	—		10	—
Home equity lines of credit serviced by others	—	—		1	—		1	—		4	—
Automobile	30	1		27	1		76	1		61	1
Education	7	1		9	—		12	1		16	—
Credit cards	102	—		102	1		221	1		228	2
Other retail	—	—		—	—		—	—		2	—
Total retail loans	235	10		268	11		514	20		530	21
Total	239		$27	272		$12	521		$40	536		$26

Schedule of loans that may increase credit exposure

The following tables present balances of loans with these characteristics:



	June 30, 2018
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Education		Total
High loan-to-value		$430		$145		$205		$—		$—		$780
Interest-only/negative amortization	1,770		—		—		—		—		1,770
Low introductory rate	—		—		—		197		—		197
Multiple characteristics and other	1		—		—		—		—		1
Total		$2,201		$145		$205		$197		$—		$2,748



	December 31, 2017
(in millions)	Residential Mortgages		Home Equity Loans and Lines of Credit		Home Equity Products Serviced by Others		Credit Cards		Education		Total
High loan-to-value		$366		$166		$264		$—		$—		$796
Interest-only/negative amortization	1,763		—		—		—		1		1,764
Low introductory rate	—		—		—		197		—		197
Multiple characteristics and other	1		—		—		—		—		1
Total		$2,130		$166		$264		$197		$1		$2,758