CONSOLIDATED BALANCE SHEET - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014
Assets:
Cash and due from banks		$ 968	$ 891
Interest bearing deposits with banks		7,478	30,807
Federal funds sold and securities purchased under agreements to resell		19,847	1,413
Trading assets		17,085	21,092
Securities available-for-sale		35,773	30,140
Securities held-to-maturity (fair value of $14.2 billion and $13.7 billion at December 31, 2015 and 2014, respectively)		14,024	13,469
Loans		82,917	77,741
Less – allowance for credit losses		912	680
Loans, net		82,005	77,061
Loans held for sale (includes $151 million and $384 million designated under fair value option at December 31, 2015 and 2014, respectively)		2,185	612
Properties and equipment, net		230	247
Intangible assets, net		181	206
Goodwill		1,612	1,612
Other assets		6,890	7,989
Total assets	[1]	188,278	185,539
Domestic deposits:
Noninterest bearing		29,693	29,715
Interest bearing (includes $6.9 billion and $7.3 billion designated under fair value option at December 31, 2015 and 2014, respectively)		77,259	71,191
Foreign deposits:
Noninterest bearing		747	850
Interest bearing		10,880	14,362
Total deposits	[2]	118,579	116,118
Short-term borrowings (includes $2.0 billion designated under fair value option at December 31, 2015)		4,995	12,795
Long-term debt (includes $9.2 billion and $8.8 billion designated under fair value option at December 31, 2015 and 2014, respectively)		33,509	27,524
Total debt		157,083	156,437
Trading liabilities		7,455	8,164
Interest, taxes and other liabilities		3,215	3,971
Total liabilities	[1]	167,753	168,572
Shareholders’ equity
Preferred stock		1,265	1,565
Common shareholder’s equity:
Common stock ($5 par; 150,000,000 shares authorized; 714 and 713 shares issued and outstanding at December 31, 2015 and 2014, respectively)		0	0
Additional paid-in capital		18,169	14,170
Retained earnings		1,498	1,233
Accumulated other comprehensive loss		(407)	(1)
Total common shareholders' equity		19,260	15,402
Total shareholders’ equity		20,525	16,967
Total liabilities and shareholders’ equity		$ 188,278	$ 185,539

[1] The following table summarizes assets and liabilities related to our consolidated variable interest entities ("VIEs") as of December 31, 2015 and December 31, 2014 which are consolidated on our balance sheet. Assets and liabilities exclude intercompany balances that eliminate in consolidation. See Note 24, "Variable Interest Entities," for additional information. Assets: Other assets $320 million and $380 million. Total assets $320 million and $380 million respectively. Liabilities: Long-term debt $92 million and $92 million, Interest, taxes and other liabilities $68 million and $75 million. Total liabilities $160 million and $167 million, respectively.

[2] During the second quarter of 2015, we concluded that brokered deposits would be better presented as debt under the Group Reporting Basis. As a result, we reclassified $3.7 billion of brokered deposits in the GB&M segment to debt at December 31, 2014 to conform with the current year presentation. There was no impact at December 31, 2013.