Outstanding Loans and Leases (Tables)

v2.4.0.6

Outstanding Loans and Leases (Tables)	3 Months Ended
	Mar. 31, 2012
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Loans And Leases Outstanding	The following tables present total outstanding loans and leases and an aging analysis at March 31, 2012 and December 31, 2011.   March 31, 2012 (Dollars in millions) 30-59 Days Past Due (1) 60-89 Days Past Due (1) 90 Days or More Past Due (2) Total Past Due 30 Days or More Total Current or Less Than 30 Days Past Due (3) Purchased Credit - impaired (4) Loans Accounted for Under the Fair Value Option Total Outstandings Home loans                 Core portfolio                 Residential mortgage (5) $ 1,894 $ 646 $ 3,162 $ 5,702 $ 169,620   $ 175,322 Home equity 267 144 470 881 64,380   65,261 Legacy Assets & Servicing portfolio                 Residential mortgage 2,779 1,678 30,708 35,165 36,196 $ 9,748   81,109 Home equity 778 473 1,728 2,979 41,188 11,818   55,985 Discontinued real estate (6) 50 18 320 388 784 9,281   10,453 Credit card and other consumer                 U.S. credit card 848 670 1,866 3,384 93,049   96,433 Non-U.S. credit card 138 105 294 537 13,377   13,914 Direct/Indirect consumer (7) 595 266 730 1,591 84,537   86,128 Other consumer (8) 45 16 7 68 2,539   2,607 Total consumer loans 7,394 4,016 39,285 50,695 505,670 30,847   587,212 Consumer loans accounted for under the fair value option (9)             $ 2,204 2,204 Total consumer 7,394 4,016 39,285 50,695 505,670 30,847 2,204 589,416 Commercial                 U.S. commercial 327 40 2,106 2,473 178,255     180,728 Commercial real estate (10) 104 31 3,412 3,547 34,502     38,049 Commercial lease financing 100 6 66 172 21,384     21,556 Non-U.S. commercial — — 140 140 52,461     52,601 U.S. small business commercial 151 103 312 566 12,390     12,956 Total commercial loans 682 180 6,036 6,898 298,992     305,890 Commercial loans accounted for under the fair value option (9)             6,988 6,988 Total commercial 682 180 6,036 6,898 298,992   6,988 312,878 Total loans and leases $ 8,076 $ 4,196 $ 45,321 $ 57,593 $ 804,662 $ 30,847 $ 9,192 $ 902,294 Percentage of outstandings 0.90 % 0.46 % 5.02 % 6.38 % 89.18 % 3.42 % 1.02 %   (1)  Home loans includes $2.9 billion of fully-insured loans and $1.1 billion of nonperforming loans. (2)  Home loans includes $21.2 billion of fully-insured loans. (3)  Home loans includes $3.7 billion of nonperforming loans as all principal and interest are not current or the loans are TDRs that have not demonstrated sustained repayment performance. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes non-U.S. residential mortgages of $87 million. (6)  Total outstandings includes $9.3 billion of pay option loans and $1.1 billion of subprime loans. The Corporation no longer originates these products. (7)  Total outstandings includes dealer financial services loans of $40.2 billion, consumer lending loans of $7.1 billion, U.S. securities-based lending margin loans of $24.0 billion, student loans of $5.7 billion, non-U.S. consumer loans of $7.6 billion and other consumer loans of $1.5 billion. (8)  Total outstandings includes consumer finance loans of $1.6 billion, other non-U.S. consumer loans of $951 million and consumer overdrafts of $58 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $881 million and discontinued real estate loans of $1.3 billion. Commercial loans accounted for under the fair value option were U.S. commercial loans of $2.2 billion and non-U.S. commercial loans of $4.8 billion. See Note 15 – Fair Value Measurements and Note 16 – Fair Value Option for additional information. (10)  Total outstandings includes U.S. commercial real estate loans of $36.3 billion and non-U.S. commercial real estate loans of $1.7 billion.   December 31, 2011 (Dollars in millions) 30-59 Days Past Due (1) 60-89 Days Past Due (1) 90 Days or More Past Due (2) Total Past Due 30 Days or More Total Current or Less Than 30 Days Past Due (3) Purchased Credit - impaired (4) Loans Accounted for Under the Fair Value Option Total Outstandings Home loans                 Core portfolio                 Residential mortgage (5) $ 2,151 $ 751 $ 3,017 $ 5,919 $ 172,418     $ 178,337 Home equity 260 155 429 844 66,211     67,055 Legacy Assets & Servicing portfolio                 Residential mortgage 3,195 2,174 32,167 37,536 36,451 $ 9,966   83,953 Home equity 845 508 1,735 3,088 42,578 11,978   57,644 Discontinued real estate (6) 65 24 351 440 798 9,857   11,095 Credit card and other consumer                 U.S. credit card 981 772 2,070 3,823 98,468     102,291 Non-U.S. credit card 148 120 342 610 13,808     14,418 Direct/Indirect consumer (7) 805 338 779 1,922 87,791     89,713 Other consumer (8) 55 21 17 93 2,595     2,688 Total consumer loans 8,505 4,863 40,907 54,275 521,118 31,801   607,194 Consumer loans accounted for under the fair value option (9)             $ 2,190 2,190 Total consumer 8,505 4,863 40,907 54,275 521,118 31,801 2,190 609,384 Commercial                 U.S. commercial 272 83 2,249 2,604 177,344     179,948 Commercial real estate (10) 133 44 3,887 4,064 35,532     39,596 Commercial lease financing 78 13 40 131 21,858     21,989 Non-U.S. commercial 24 — 143 167 55,251     55,418 U.S. small business commercial 142 100 331 573 12,678     13,251 Total commercial loans 649 240 6,650 7,539 302,663     310,202 Commercial loans accounted for under the fair value option (9)             6,614 6,614 Total commercial 649 240 6,650 7,539 302,663   6,614 316,816 Total loans and leases $ 9,154 $ 5,103 $ 47,557 $ 61,814 $ 823,781 $ 31,801 $ 8,804 $ 926,200 Percentage of outstandings 0.99 % 0.55 % 5.13 % 6.67 % 88.95 % 3.43 % 0.95 %   (1)  Home loans includes $3.6 billion of fully-insured loans and $770 million of nonperforming loans. (2)  Home loans includes $21.2 billion of fully-insured loans. (3)  Home loans includes $1.8 billion of nonperforming loans as all principal and interest are not current or the loans are TDRs that have not demonstrated sustained repayment performance. (4)  PCI loan amounts are shown gross of the valuation allowance. (5)  Total outstandings includes non-U.S. residential mortgages of $85 million. (6)  Total outstandings includes $9.9 billion of pay option loans and $1.2 billion of subprime loans. The Corporation no longer originates these products. (7)  Total outstandings includes dealer financial services loans of $43.0 billion, consumer lending loans of $8.0 billion, U.S. securities-based lending margin loans of $23.6 billion, student loans of $6.0 billion, non-U.S. consumer loans of $7.6 billion and other consumer loans of $1.5 billion. (8)  Total outstandings includes consumer finance loans of $1.7 billion, other non-U.S. consumer loans of $929 million and consumer overdrafts of $103 million. (9)  Consumer loans accounted for under the fair value option were residential mortgage loans of $906 million and discontinued real estate loans of $1.3 billion. Commercial loans accounted for under the fair value option were U.S. commercial loans of $2.2 billion and non-U.S. commercial loans of $4.4 billion. See Note 15 – Fair Value Measurements and Note 16 – Fair Value Option for additional information. (10)  Total outstandings includes U.S. commercial real estate loans of $37.8 billion and non-U.S. commercial real estate loans of $1.8 billion.
Schedule of Financing Receivables, Non Accrual Status	The table below presents the Corporation’s nonperforming loans and leases including nonperforming troubled debt restructurings (TDRs) and loans accruing past due 90 days or more at March 31, 2012 and December 31, 2011. Nonperforming loans held-for-sale (LHFS) are excluded from nonperforming loans and leases as they are recorded at either fair value or the lower of cost or fair value. See Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements of the Corporation's 2011 Annual Report on Form 10-K for further information on the criteria for classification as nonperforming. Credit Quality                 Nonperforming Loans and Leases (1)   Accruing Past Due 90 Days or More (Dollars in millions) March 31 2012   December 31 2011   March 31 2012   December 31 2011 Home loans               Core portfolio               Residential mortgage (2) $ 2,433   $ 2,414   $ 1,113   $ 883 Home equity 1,042   439   —   — Legacy Assets & Servicing portfolio               Residential mortgage (2) 12,616   13,556   20,063   20,281 Home equity 3,318   2,014   —   — Discontinued real estate 269   290   —   — Credit card and other consumer               U.S. credit card n/a   n/a   1,866   2,070 Non-U.S. credit card n/a   n/a   294   342 Direct/Indirect consumer 41   40   697   746 Other consumer 5   15   2   2 Total consumer 19,724   18,768   24,035   24,324 Commercial               U.S. commercial 2,048   2,174   59   75 Commercial real estate 3,404   3,880   8   7 Commercial lease financing 38   26   28   14 Non-U.S. commercial 140   143   —   — U.S. small business commercial 121   114   190   216 Total commercial 5,751   6,337   285   312 Total consumer and commercial $ 25,475   $ 25,105   $ 24,320   $ 24,636 (1)  Nonperforming loan balances do not include nonaccruing TDRs removed from the PCI portfolio prior to January 1, 2010 of $459 million and $477 million as of March 31, 2012 and December 31, 2011. (2)  Residential mortgage loans accruing past due 90 days or more are fully-insured loans. At both March 31, 2012 and December 31, 2011, residential mortgage includes $17.0 billion of loans on which interest has been curtailed by the Federal Housing Administration, and therefore are no longer accruing interest, although principal is still insured, and $4.2 billion of loans on which interest is still accruing. n/a = not applicable
Financing Receivable Credit Quality Indicators	The following tables present certain credit quality indicators for the Corporation’s Home Loans, Credit Card and Other Consumer, and Commercial portfolio segments, by class of financing receivables, at March 31, 2012 and December 31, 2011. Home Loans - Credit Quality Indicators (1)   March 31, 2012 (Dollars in millions) Core Portfolio Residential Mortgage (2) Legacy Assets & Servicing Residential Mortgage (2) Countrywide Residential Mortgage PCI Core Portfolio Home Equity (2) Legacy Assets & Servicing Home Equity (2) Countrywide Home Equity PCI Legacy Assets & Servicing Discontinued Real Estate (2) Countrywide Discontinued Real Estate PCI Refreshed LTV (3)                 Less than 90 percent $ 78,614 $ 19,638 $ 3,768 $ 44,861 $ 16,508 $ 2,509 $ 836 $ 5,609 Greater than 90 percent but less than 100 percent 10,882 5,500 1,407 6,826 4,725 1,111 122 992 Greater than 100 percent 16,120 21,891 4,573 13,574 22,934 8,198 214 2,680 Fully-insured loans (4) 69,706 24,332 — — — — — — Total home loans $ 175,322 $ 71,361 $ 9,748 $ 65,261 $ 44,167 $ 11,818 $ 1,172 $ 9,281                   Refreshed FICO score (5)                 Less than 620 $ 6,566 $ 16,086 $ 3,481 $ 2,831 $ 6,995 $ 1,715 $ 510 $ 5,449 Greater than or equal to 620 99,050 30,943 6,267 62,430 37,172 10,103 662 3,832 Fully-insured loans (4) 69,706 24,332 — — — — — — Total home loans $ 175,322 $ 71,361 $ 9,748 $ 65,261 $ 44,167 $ 11,818 $ 1,172 $ 9,281 (1)  Excludes $2.2 billion of loans accounted for under the fair value option. (2)  Excludes Countrywide PCI loans. (3)  Refreshed LTV percentages for PCI loans are calculated using the carrying value net of the related valuation allowance. (4)  Credit quality indicators are not reported for fully-insured loans as principal repayment is insured. (5)  As of March 31, 2012, refreshed home equity FICO metrics reflect an updated scoring model. Prior periods were adjusted to reflect these updates. Credit Card and Other Consumer - Credit Quality Indicators   March 31, 2012 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 7,399   $ —   $ 2,910   $ 768 Greater than or equal to 620 89,034   —   43,758   829 Other internal credit metrics (2, 3, 4) —   13,914   39,460   1,010 Total credit card and other consumer $ 96,433   $ 13,914   $ 86,128   $ 2,607 (1)  98 percent of the other consumer portfolio was associated with portfolios from certain consumer finance businesses that the Corporation previously exited. (2)  Other internal credit metrics include delinquency status, geography or other factors. (3)  Direct/indirect consumer includes $31.6 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $5.7 billion of loans the Corporation no longer originates. (4)  Non-U.S. credit card represents the U.K. credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At March 31, 2012, 96 percent of this portfolio was current or less than 30 days past due, two percent was 30-89 days past due and two percent was 90 days past due or more. Commercial - Credit Quality Indicators (1)   March 31, 2012 (Dollars in millions) U.S. Commercial   Commercial Real Estate   Commercial Lease Financing   Non-U.S. Commercial   U.S. Small Business Commercial (2) Risk ratings                   Pass rated $ 171,179   $ 28,752   $ 20,371   $ 51,080   $ 2,266 Reservable criticized 9,549   9,297   1,185   1,521   723 Refreshed FICO score (3)                   Less than 620                 515 Greater than or equal to 620                 4,662 Other internal credit metrics (3, 4)                 4,790 Total commercial credit $ 180,728   $ 38,049   $ 21,556   $ 52,601   $ 12,956 (1)  Excludes $7.0 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $463 million of criticized business card and small business loans which are evaluated using refreshed FICO scores or internal credit metrics, including delinquency status, rather than risk ratings. At March 31, 2012, 98 percent of the balances where internal credit metrics are used were current or less than 30 days past due. (3)  Refreshed FICO score and other internal credit metrics are applicable only to the U.S. small business commercial portfolio. (4)  Other internal credit metrics include delinquency status, application scores, geography or other factors. Home Loans - Credit Quality Indicators (1)   December 31, 2011 (Dollars in millions) Core Portfolio Residential Mortgage (2) Legacy Assets & Servicing Residential Mortgage (2) Countrywide Residential Mortgage PCI Core Portfolio Home Equity (2) Legacy Assets & Servicing Home Equity (2) Countrywide Home Equity PCI Legacy Assets & Servicing Discontinued Real Estate (2) Countrywide Discontinued Real Estate PCI Refreshed LTV (3)                 Less than 90 percent $ 80,032 $ 20,450 $ 3,821 $ 46,646 $ 17,354 $ 2,253 $ 895 $ 5,953 Greater than 90 percent but less than 100 percent 11,838 5,847 1,468 6,988 4,995 1,077 122 1,191 Greater than 100 percent 17,673 22,630 4,677 13,421 23,317 8,648 221 2,713 Fully-insured loans (4) 68,794 25,060 — — — — — — Total home loans $ 178,337 $ 73,987 $ 9,966 $ 67,055 $ 45,666 $ 11,978 $ 1,238 $ 9,857                   Refreshed FICO score (5)                 Less than 620 $ 7,020 $ 17,337 $ 3,749 $ 2,843 $ 7,293 $ 2,547 $ 548 $ 5,968 Greater than or equal to 620 102,523 31,590 6,217 64,212 38,373 9,431 690 3,889 Fully-insured loans (4) 68,794 25,060 — — — — — — Total home loans $ 178,337 $ 73,987 $ 9,966 $ 67,055 $ 45,666 $ 11,978 $ 1,238 $ 9,857 (1)  Excludes $2.2 billion of loans accounted for under the fair value option. (2)  Excludes Countrywide PCI loans. (3)  Refreshed LTV percentages for PCI loans are calculated using the carrying value gross of the related valuation allowance. (4)  Credit quality indicators are not reported for fully-insured loans as principal repayment is insured. (5)  As of March 31, 2012, refreshed home equity FICO metrics reflect an updated scoring model. Prior periods were adjusted to reflect these updates. Credit Card and Other Consumer - Credit Quality Indicators   December 31, 2011 (Dollars in millions) U.S. Credit Card   Non-U.S. Credit Card   Direct/Indirect Consumer   Other Consumer (1) Refreshed FICO score               Less than 620 $ 8,172   $ —   $ 3,325   $ 802 Greater than or equal to 620 94,119   —   46,981   854 Other internal credit metrics (2, 3, 4) —   14,418   39,407   1,032 Total credit card and other consumer $ 102,291   $ 14,418   $ 89,713   $ 2,688 (1)  96 percent of the other consumer portfolio was associated with portfolios from certain consumer finance businesses that the Corporation previously exited. (2)  Other internal credit metrics include delinquency status, geography or other factors. (3)  Direct/indirect consumer includes $31.1 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $6.0 billion of loans the Corporation no longer originates. (4)  Non-U.S. credit card represents the U.K. credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At December 31, 2011, 96 percent of this portfolio was current or less than 30 days past due, two percent was 30-89 days past due and two percent was 90 days or more past due. Commercial - Credit Quality Indicators (1)   December 31, 2011 (Dollars in millions) U.S. Commercial   Commercial Real Estate   Commercial Lease Financing   Non-U.S. Commercial   U.S. Small Business Commercial (2) Risk ratings                   Pass rated $ 169,599   $ 28,602   $ 20,850   $ 53,945   $ 2,392 Reservable criticized 10,349   10,994   1,139   1,473   836 Refreshed FICO score (3)                   Less than 620                 562 Greater than or equal to 620                 4,674 Other internal credit metrics (3, 4)                 4,787 Total commercial credit $ 179,948   $ 39,596   $ 21,989   $ 55,418   $ 13,251 (1)  Excludes $6.6 billion of loans accounted for under the fair value option. (2)  U.S. small business commercial includes $491 million of criticized business card and small business loans which are evaluated using refreshed FICO scores or internal credit metrics, including delinquency status, rather than risk ratings. At December 31, 2011, 97 percent of the balances where internal credit metrics are used were current or less than 30 days past due. (3)  Refreshed FICO score and other internal credit metrics are applicable only to the U.S. small business commercial portfolio. (4)  Other internal credit metrics include delinquency status, application scores, geography or other factors.
Impaired Financing Receivables	The table below presents impaired loans in the Corporation’s Home Loans portfolio segment at March 31, 2012 and December 31, 2011, and for the three months ended March 31, 2012 and 2011 and includes primarily loans managed by Legacy Assets & Servicing within Consumer Real Estate Services (CRES). Certain impaired home loans do not have a related allowance as the current valuation of these impaired loans exceeded the carrying value. Impaired Loans - Home Loans               Three Months Ended March 31   March 31, 2012   2012   2011 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                           Residential mortgage $ 11,313   $ 8,473   n/a   $ 8,472   $ 73   $ 5,628   $ 54 Home equity 1,801   485   n/a   506   9   484   5 Discontinued real estate 401   224   n/a   232   2   227   2 With an allowance recorded                           Residential mortgage $ 12,436   $ 11,200   $ 1,279   $ 11,021   $ 98   $ 7,751   $ 71 Home equity 1,512   1,243   590   1,255   9   1,302   7 Discontinued real estate 207   152   29   153   2   170   2 Total                           Residential mortgage $ 23,749   $ 19,673   $ 1,279   $ 19,493   $ 171   $ 13,379   $ 125 Home equity 3,313   1,728   590   1,761   18   1,786   12 Discontinued real estate 608   376   29   385   4   397   4                               December 31, 2011                 With no recorded allowance                           Residential mortgage $ 10,907   $ 8,168   n/a                 Home equity 1,747   479   n/a                 Discontinued real estate 421   240   n/a                 With an allowance recorded                           Residential mortgage $ 12,296   $ 11,119   $ 1,295                 Home equity 1,551   1,297   622                 Discontinued real estate 213   159   29                 Total                           Residential mortgage $ 23,203   $ 19,287   $ 1,295                 Home equity 3,298   1,776   622                 Discontinued real estate 634   399   29                 (1)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the ultimate collectability of principal is not uncertain. n/a = not applicable
Accretable Yield Activity	The table below shows activity for the accretable yield on Countrywide Financial Corporation (Countrywide) consumer PCI loans. The $182 million reclassification from nonaccretable difference for the three months ended March 31, 2012 is primarily due to an increase in the expected life of the PCI loans. The reclassification did not increase the annual yield but, as a result of estimated slower prepayment speeds, added additional interest periods to the expected cash flows. Rollforward of Accretable Yield   (Dollars in millions)   Accretable yield, January 1, 2011 $ 5,481 Accretion (1,285 ) Disposals/transfers (118 ) Reclassifications from nonaccretable difference 912 Accretable yield, December 31, 2011 4,990 Accretion (276 ) Disposals/transfers (24 ) Reclassifications from nonaccretable difference 182 Accretable yield, March 31, 2012 $ 4,872
Residential Mortgage [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the March 31, 2012 and 2011 unpaid principal balance, carrying value, and average pre- and post-modification interest rates of home loans that were modified in TDRs during the three months ended March 31, 2012 and 2011, along with net charge-offs that were recorded during the period in which the modification occurred. These TDRs are managed by Legacy Assets & Servicing within CRES. Home Loans - TDRs Entered into During the Three Months Ended March 31, 2012   March 31, 2012   Three Months Ended March 31, 2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs Residential mortgage $ 1,310   $ 1,163   5.73 %   4.80 %   $ 48 Home equity 162   97   5.10   3.80   39 Discontinued real estate 9   6   7.06   6.84   1 Total $ 1,481   $ 1,266   5.67   4.70   $ 88                     Home Loans - TDRs Entered into During the Three Months Ended March 31, 2011   March 31, 2011   Three Months Ended March 31, 2011 Residential mortgage $ 3,403   $ 3,022   6.05 %   4.93 %   $ 39 Home equity 297   229   7.43   5.54   63 Discontinued real estate 21   14   7.78   5.46   2 Total $ 3,721   $ 3,265   6.17   4.98   $ 104
Summary of Troubled Debt Restructuring Note, Debtor	The table below presents the March 31, 2012 and 2011 carrying value for home loans which were modified in a TDR during the three months ended March 31, 2012 and 2011 by type of modification. Home Loans - Modification Programs   TDRs Entered into During the Three Months Ended March 31, 2012 (Dollars in millions) Residential Mortgage    Home Equity    Discontinued Real Estate   Total Carrying Value Modifications under government programs               Contractual interest rate reduction $ 37   $ 29   $ —   $ 66 Principal and/or interest forbearance 1   9   —   10 Other modifications (1) 15   —   —   15 Total modifications under government programs 53   38   —   91                 Modifications under proprietary programs               Contractual interest rate reduction 366   14   —   380 Capitalization of past due amounts 10   —   —   10 Principal and/or interest forbearance 90   7   —   97 Other modifications (1) 52   2   1   55 Total modifications under proprietary programs 518   23   1   542 Trial modifications 592   36   5   633 Total modifications $ 1,163   $ 97   $ 6   $ 1,266                   TDRs Entered into During the Three Months Ended March 31, 2011 Modifications under government programs               Contractual interest rate reduction $ 219   $ 135   $ 1   $ 355 Principal and/or interest forbearance 33   15   1   49 Other modifications (1) 1   1   —   2 Total modifications under government programs 253   151   2   406                 Modifications under proprietary programs               Contractual interest rate reduction 1,562   23   6   1,591 Capitalization of past due amounts 136   —   —   136 Principal and/or interest forbearance 206   17   1   224 Other modifications (1) 117   16   —   133 Total modifications under proprietary programs 2,021   56   7   2,084 Trial modifications  748   22   5   775 Total modifications $ 3,022   $ 229   $ 14   $ 3,265 (1)   Includes other modifications such as term or payment extensions and repayment plans.
Schedule of Troubled Debt Restructurings Modified	The table below presents the carrying value of loans that entered into payment default during the three months ended March 31, 2012 and 2011 and that were modified in a TDR during the 12 months preceding payment default. A payment default for home loan TDRs is recognized when a borrower has missed three monthly payments (not necessarily consecutively) since modification. Payment default on trial modifications where the borrower has not yet met the terms of the agreement are included in the table below if the borrower is 90 days or more past due three months after the offer to modify is made. Home Loans - TDRs Entering Payment Default That Were Modified During the Preceding Twelve Months   Three Months Ended March 31, 2012 (Dollars in millions)  Residential Mortgage   Home Equity    Discontinued Real Estate   Total Carrying Value Modifications under government programs $ 73   $ 2   $ 1   $ 76 Modifications under proprietary programs 373   4   3   380 Trial modifications 113   4   1   118 Total modifications $ 559   $ 10   $ 5   $ 574                   Three Months Ended March 31, 2011 Modifications under government programs $ 54   $ —   $ 1   $ 55 Modifications under proprietary programs 458   20   4   482 Trial modifications 3   —   —   3 Total modifications $ 515   $ 20   $ 5   $ 540
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below provides information on the Corporation's renegotiated TDR portfolio at March 31, 2012 and December 31, 2011, and for the three months ended March 31, 2012 and 2011. The renegotiated TDR portfolio is considered impaired and had a related allowance as shown below. Impaired Loans - Credit Card and Other Consumer - Renegotiated TDRs               Three Months Ended March 31   March 31, 2012   2012   2011 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Related Allowance   Average Carrying Value   Interest Income Recognized (2)   Average Carrying Value   Interest Income Recognized (2) With an allowance recorded                           U.S. credit card $ 4,548   $ 4,576   $ 1,396   $ 5,019   $ 77   $ 8,569   $ 127 Non-U.S. credit card 546   553   345   572   2   795   2 Direct/Indirect consumer 1,044   1,049   372   1,146   16   1,839   24                               December 31, 2011             With an allowance recorded                           U.S. credit card $ 5,272   $ 5,305   $ 1,570                 Non-U.S. credit card 588   597   435                 Direct/Indirect consumer 1,193   1,198   405                 (1)  Includes accrued interest and fees. (2)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the ultimate collectability of principal is not uncertain.
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio at March 31, 2012 and December 31, 2011. Credit Card and Other Consumer - Renegotiated TDRs by Program Type   Internal Programs   External Programs   Other   Total   Percent of Balances Current or Less Than 30 Days Past Due (Dollars in millions) March 31 2012 December 31 2011   March 31 2012 December 31 2011   March 31 2012 December 31 2011   March 31 2012 December 31 2011   March 31 2012 December 31 2011 U.S. credit card $ 3,211 $ 3,788   $ 1,300 $ 1,436   $ 65 $ 81   $ 4,576 $ 5,305   79.71 % 78.97 % Non-U.S. credit card 211 218   103 113   239 266   553 597   56.15 54.02 Direct/Indirect consumer 681 784   351 392   17 22   1,049 1,198   81.00 80.01 Total renegotiated TDR loans $ 4,103 $ 4,790   $ 1,754 $ 1,941   $ 321 $ 369   $ 6,178 $ 7,100   77.82 77.05
Renegotiated Troubled Debt Restructurings By Program Type	The table below provides information on the Corporation’s renegotiated TDR portfolio including the unpaid principal balance and carrying value of loans that were modified in TDRs during the three months ended March 31, 2012 and 2011, along with charge-offs that were recorded during the calendar quarter in which the modification occurred. The table also presents the average pre- and post-modification interest rate. Credit Card and Other Consumer - Renegotiated TDRs Entered into During the Three Months Ended March 31, 2012   March 31, 2012   Three Months Ended March 31, 2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value (1)   Pre-Modification Interest Rate   Post-Modification Interest Rate   Net Charge-offs U.S. credit card $ 152   $ 156   18.29 %   6.35 %   $ 2 Non-U.S. credit card 114   120   26.19   0.81   5 Direct/Indirect consumer 25   26   15.50   4.31   — Total $ 291   $ 302   21.19   3.97   $ 7                     Credit Card and Other Consumer - Renegotiated TDRs Entered into During the Three Months Ended March 31, 2011   March 31, 2011   Three Months Ended March 31, 2011 U.S. credit card $ 386   $ 400   19.33 %   6.15 %   $ 4 Non-U.S. credit card 159   166   27.21   0.55   13 Direct/Indirect consumer 99   101   15.68   5.57   1 Total $ 644   $ 667   20.73   4.67   $ 18 (1)  Includes accrued interest and fees.
Schedule of Renegotiated Troubled Debt Restructurings Primary Modifications	The table below provides information on the Corporation's primary modification programs for the renegotiated TDR portfolio for loans that were modified in TDRs during the three months ended March 31, 2012 and 2011. Credit Card and Other Consumer - Renegotiated TDRs by Program Type   Renegotiated TDRs Entered into During the Three Months Ended March 31, 2012 (Dollars in millions) Internal Programs   External Programs   Other   Total U.S. credit card $ 79   $ 77   $ —   $ 156 Non-U.S. credit card 63   57   —   120 Direct/Indirect consumer 14   12   —   26 Total renegotiated TDR loans $ 156   $ 146   $ —   $ 302                   Renegotiated TDRs Entered into During the Three Months Ended March 31, 2011 U.S. credit card $ 234   $ 165   $ 1   $ 400 Non-U.S. credit card 75   90   1   166 Direct/Indirect consumer 60   41   —   101 Total renegotiated TDR loans $ 369   $ 296   $ 2   $ 667
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income [Abstract]
Impaired Financing Receivables	The table below presents impaired loans in the Corporation's Commercial loan portfolio segment at March 31, 2012 and December 31, 2011, and for the three months ended March 31, 2012 and 2011. Certain impaired commercial loans do not have a related allowance as the valuation of these impaired loans exceeded the carrying value, which is net of previously recorded charge-offs. Impaired Loans - Commercial               Three Months Ended March 31   March 31, 2012   2012   2011 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Related Allowance   Average Carrying Value   Interest Income Recognized (1)   Average Carrying Value   Interest Income Recognized (1) With no recorded allowance                           U.S. commercial $ 1,363   $ 1,085   n/a   $ 1,035   $ 8   $ 406   $ — Commercial real estate 2,097   1,851   n/a   1,973   4   1,785   1 Non-U.S. commercial 237   127   n/a   114   —   70   — U.S. small business commercial (2) —   —   n/a   —   —   —   — With an allowance recorded                           U.S. commercial $ 2,616   $ 1,878   $ 205   $ 1,920   $ 11   $ 2,953   $ 1 Commercial real estate 3,207   2,125   118   2,256   6   3,940   2 Non-U.S. commercial 272   29   8   45   —   153   — U.S. small business commercial (2) 480   457   134   472   4   817   7 Total                           U.S. commercial $ 3,979   $ 2,963   $ 205   $ 2,955   $ 19   $ 3,359   $ 1 Commercial real estate 5,304   3,976   118   4,229   10   5,725   3 Non-U.S. commercial 509   156   8   159   —   223   — U.S. small business commercial (2) 480   457   134   472   4   817   7                               December 31, 2011                 With no recorded allowance                           U.S. commercial $ 1,482   $ 985   n/a                 Commercial real estate 2,587   2,095   n/a                 Non-U.S. commercial 216   101   n/a                 U.S. small business commercial (2) —   —   n/a                 With an allowance recorded                           U.S. commercial $ 2,654   $ 1,987   $ 232                 Commercial real estate 3,329   2,384   135                 Non-U.S. commercial 308   58   6                 U.S. small business commercial (2) 531   503   172                 Total                           U.S. commercial $ 4,136   $ 2,972   $ 232                 Commercial real estate 5,916   4,479   135                 Non-U.S. commercial 524   159   6                 U.S. small business commercial (2) 531   503   172                 (1)  Interest income recognized includes interest accrued and collected on the outstanding balances of accruing impaired loans as well as interest cash collections on nonaccruing impaired loans for which the ultimate collectability of principal is not uncertain. (2)  Includes U.S. small business commercial renegotiated TDR loans and related allowance. n/a = not applicable
Remaining Unpaid Principal Balance, Carrying Amount And Excluding Valuation Reserve	The table below presents the March 31, 2012 and 2011 unpaid principal balance and carrying value of commercial loans that were modified as TDRs during the three months ended March 31, 2012 and 2011, along with charge-offs that were recorded during the calendar quarter in which the modification occurred. Commercial - TDRs Entered into During the Three Months Ended March 31, 2012   March 31, 2012   Three Months Ended March 31, 2012 (Dollars in millions) Unpaid Principal Balance   Carrying Value   Net Charge-offs U.S commercial $ 356   $ 344   $ — Commercial real estate 339   252   4 Non-U.S. commercial —   —   — U.S. small business commercial (1) 10   10   — Total $ 705   $ 606   $ 4             Commercial - TDRs Entered into During the Three Months Ended March 31, 2011   March 31, 2011   Three Months Ended March 31, 2011 U.S commercial $ 461   $ 425   $ 10 Commercial real estate 597   512   34 Non-U.S. commercial 11   11   — U.S. small business commercial (1) 22   28   — Total $ 1,091   $ 976   $ 44