NOTE 6 – Outstanding Loans and Leases

     The tables below present total outstanding loans and leases and an aging analysis at June 30, 2011 and December 31, 2010.

     The Legacy Asset Servicing portfolio, as shown in the table below, is a separately managed legacy mortgage portfolio. Legacy Asset Servicing, which was created on January 1, 2011 in connection with the re-alignment of CRES, is responsible for servicing loans on its balance sheet and for others including loans held in other business segments and All Other. This includes servicing and managing the runoff and exposures related to selected residential mortgages and home equity loans, including discontinued real estate products, Countrywide PCI loans and certain loans that met a pre-defined delinquency status or probability of default threshold as of January 1, 2011. Since making the determination of the pool of loans to be included in the Legacy Asset Servicing portfolio, the criteria have not changed for this portfolio; however, the criteria will continue to be evaluated over time.

		June 30, 2011
																										Loans
														Total Past				Total Current				Purchased				Accounted for
		30-59 Days				60-89 Days				90 Days or				Due 30 Days				or Less Than 30				Credit -				Under the Fair				Total
(Dollars in millions)		Past Due (1)				Past Due (1)				More Past Due (2)				or More				Days Past Due (3)				impaired (4)				Value Option				Outstandings
Home loans
Core portfolio
Residential mortgage (5)		$	1,777			$	594			$	1,842			$	4,213			$	171,339			$	-							$	175,552
Home equity			236				148				250				634				68,537				-								69,171
Legacy Asset Servicing portfolio
Residential mortgage			3,864				2,523				33,277				39,664				40,893				10,224								90,781
Home equity			882				541				1,764				3,187				45,981				12,315								61,483
Discontinued real estate (6)			59				31				403				493				633				10,877								12,003
Credit card and other consumer
U.S. credit card			1,032				818				2,413				4,263				100,396				-								104,659
Non-U.S. credit card			363				245				607				1,215				24,822				-								26,037
Direct/Indirect consumer (7)			782				343				855				1,980				88,278				-								90,258
Other consumer (8)			53				22				28				103				2,659				-								2,762
Total consumer loans			9,048				5,265				41,439				55,752				543,538				33,416								632,706
Consumer loans accounted for under the fair value option (9)																										$	5,194				5,194
Total consumer			9,048				5,265				41,439				55,752				543,538				33,416				5,194				637,900
Commercial
U.S. commercial			568				199				1,046				1,813				174,863				1								176,677
Commercial real estate (10)			230				210				2,904				3,344				40,530				154								44,028
Commercial lease financing			29				30				28				87				21,304				-								21,391
Non-U.S. commercial			1				-				3				4				42,899				26								42,929
U.S. small business commercial			143				117				332				592				13,337				-								13,929
Total commercial loans			971				556				4,313				5,840				292,933				181								298,954
Commercial loans accounted for under the fair value option (9)																											4,403				4,403
Total commercial			971				556				4,313				5,840				292,933				181				4,403				303,357
Total loans and leases		$	10,019			$	5,821			$	45,752			$	61,592			$	836,471			$	33,597			$	9,597			$	941,257
Percentage of outstandings			1.06	%			0.62	%			4.86	%			6.54	%			88.87	%			3.57	%			1.02	%

(1)		Home loans includes $3.8 billion of fully-insured loans, $745 million of nonperforming loans and $129 million of TDRs that were removed from the Countrywide PCI loan portfolio prior to the adoption of accounting guidance on PCI loans effective January 1, 2010.
(2)		Home loans includes $20.0 billion of fully-insured loans and $385 million of TDRs that were removed from the Countrywide PCI loan portfolio prior to the adoption of accounting guidance on PCI loans effective January 1, 2010.
(3)		Home loans includes $1.5 billion of nonperforming loans as all principal and interest are not current or are TDRs that have not demonstrated sustained repayment performance.
(4)		PCI loan amounts are shown gross of the valuation allowance and exclude $1.5 billion of PCI home loans from the Merrill Lynch acquisition which are included in their appropriate aging categories.
(5)		Total outstandings include non-U.S. residential mortgages of $90 million at June 30, 2011.
(6)		Total outstandings include $10.7 billion of pay option loans and $1.3 billion of subprime loans at June 30, 2011. The Corporation no longer originates these products.
(7)		Total outstandings include dealer financial services loans of $42.1 billion, consumer lending of $9.9 billion, U.S. securities-based lending margin loans of $21.3 billion, student loans of $6.3 billion, non-U.S. consumer loans of $8.7 billion and other consumer loans of $2.0 billion at June 30, 2011.
(8)		Total outstandings include consumer finance loans of $1.8 billion, other non-U.S. consumer loans of $866 million and consumer overdrafts of $104 million at June 30, 2011.
(9)		Certain consumer loans are accounted for under the fair value option and include residential mortgage loans of $1.2 billion and discontinued real estate loans of $4.0 billion at June 30, 2011. Certain commercial loans are accounted for under the fair value option and include U.S. commercial loans of $1.6 billion, non-U.S. commercial loans of $2.8 billion and commercial real estate loans of $11 million at June 30, 2011. See Note 16 – Fair Value Measurements and Note 17 – Fair Value Option for additional information.
(10)		Total outstandings include U.S. commercial real estate loans of $41.7 billion and non-U.S. commercial real estate loans of $2.3 billion at June 30, 2011.

		December 31, 2010
																										Loans
														Total Past				Total Current				Purchased				Accounted for
		30-59 Days				60-89 Days				90 Days or				Due 30 Days				or Less Than 30				Credit -				Under the Fair				Total
(Dollars in millions)		Past Due (1)				Past Due (1)				More Past Due (2)				or More				Days Past Due (3)				impaired (4)				Value Option				Outstandings
Home loans
Core portfolio
Residential mortgage (5)		$	1,160			$	236			$	1,255			$	2,651			$	164,276			$	-							$	166,927
Home equity			186				12				105				303				71,216				-								71,519
Legacy Asset Servicing portfolio
Residential mortgage			3,999				2,879				31,985				38,863				41,591				10,592								91,046
Home equity			1,096				792				2,186				4,074				49,798				12,590								66,462
Discontinued real estate (6)			68				39				419				526				930				11,652								13,108
Credit card and other consumer
U.S. credit card			1,398				1,195				3,320				5,913				107,872				-								113,785
Non-U.S. credit card			439				316				599				1,354				26,111				-								27,465
Direct/Indirect consumer (7)			1,086				522				1,104				2,712				87,596				-								90,308
Other consumer (8)			65				25				50				140				2,690				-								2,830
Total consumer			9,497				6,016				41,023				56,536				552,080				34,834								643,450
Commercial
U.S. commercial			605				341				1,453				2,399				173,185				2								175,586
Commercial real estate (9)			535				186				3,554				4,275				44,957				161								49,393
Commercial lease financing			95				23				31				149				21,793				-								21,942
Non-U.S. commercial			25				2				6				33				31,955				41								32,029
U.S. small business commercial			195				165				438				798				13,921				-								14,719
Total commercial loans			1,455				717				5,482				7,654				285,811				204								293,669
Commercial loans accounted for under the fair value option (10)			-				-				-				-				-				-			$	3,321				3,321
Total commercial			1,455				717				5,482				7,654				285,811				204				3,321				296,990
Total loans and leases		$	10,952			$	6,733			$	46,505			$	64,190			$	837,891			$	35,038			$	3,321			$	940,440
Percentage of outstandings			1.16	%			0.72	%			4.95	%			6.83	%			89.10	%			3.72	%			0.35	%

(1)		Home loans includes $2.4 billion of fully-insured loans, $818 million of nonperforming loans and $156 million of TDRs that were removed from the Countrywide PCI loan portfolio prior to the adoption of accounting guidance on PCI loans effective January 1, 2010.
(2)		Home loans includes $16.8 billion of fully-insured loans and $372 million of TDRs that were removed from the Countrywide PCI loan portfolio prior to the adoption of accounting guidance on PCI loans effective January 1, 2010.
(3)		Home loans includes $1.1 billion of nonperforming loans as all principal and interest are not current or are TDRs that have not demonstrated sustained repayment performance.
(4)		PCI loan amounts are shown gross of the valuation allowance and exclude $1.6 billion of PCI home loans from the Merrill Lynch acquisition which are included in their appropriate aging categories.
(5)		Total outstandings include non-U.S. residential mortgages of $90 million at December 31, 2010.
(6)		Total outstandings include $11.8 billion of pay option loans and $1.3 billion of subprime loans at December 31, 2010. The Corporation no longer originates these products.
(7)		Total outstandings include dealer financial services loans of $43.3 billion, consumer lending of $12.4 billion, U.S. securities-based lending margin loans of $16.6 billion, student loans of $6.8 billion, non-U.S. consumer loans of $8.0 billion and other consumer loans of $3.2 billion at December 31, 2010.
(8)		Total outstandings include consumer finance loans of $1.9 billion, other non-U.S. consumer loans of $803 million and consumer overdrafts of $88 million at December 31, 2010.
(9)		Total outstandings include U.S. commercial real estate loans of $46.9 billion and non-U.S. commercial real estate loans of $2.5 billion at December 31, 2010.
(10)		Certain commercial loans are accounted for under the fair value option and include U.S. commercial loans of $1.6 billion, non-U.S. commercial loans of $1.7 billion and commercial real estate loans of $79 million at December 31, 2010. See Note 16 – Fair Value Measurements and Note 17 – Fair Value Option for additional information.

     The Corporation mitigates a portion of its credit risk on the residential mortgage portfolio through the use of synthetic securitization vehicles. These vehicles issue long-term notes to investors, the proceeds of which are held as cash collateral. The Corporation pays a premium to the vehicles to purchase mezzanine loss protection on a portfolio of residential mortgages owned by the Corporation. Cash held in the vehicles is used to reimburse the Corporation in the event that losses on the mortgage portfolio exceed 10 basis points (bps) of the original pool balance, up to the remaining amount of purchased loss protection of $936 million and $1.1 billion at June 30, 2011 and December 31, 2010. The vehicles are VIEs from which the Corporation purchases credit protection and in which the Corporation does not have a variable interest; and accordingly, these vehicles are not consolidated by the Corporation. Amounts due from the vehicles are recorded in other income (loss) when the Corporation recognizes a reimbursable loss, as described above. Amounts are collected when reimbursable losses are realized through the sale of the underlying collateral. At June 30, 2011 and December 31, 2010, the Corporation had a receivable of $445 million and $722 million from these vehicles for reimbursement of losses. At June 30, 2011 and December 31, 2010, $37.6 billion and $53.9 billion of residential mortgage loans were referenced under these agreements. The Corporation records an allowance for credit losses on these loans without regard to the existence of the purchased loss protection as the protection does not represent a guarantee of individual loans.

     In addition, the Corporation has entered into long-term credit protection agreements with FNMA and FHLMC on loans totaling $17.2 billion and $12.9 billion at June 30, 2011 and December 31, 2010, providing full protection on residential mortgage loans that become severely delinquent. All of these loans are individually insured and therefore the Corporation does not record an allowance for credit losses related to these loans.

Nonperforming Loans and Leases

     The table below presents the Corporation’s nonperforming loans and leases, including nonperforming TDRs and loans accruing past due 90 days or more at June 30, 2011 and December 31, 2010. Nonperforming loans and leases exclude performing TDRs and loans accounted for under the fair value option. 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. In addition, PCI loans, consumer credit card, business card loans and in general consumer loans not secured by real estate, including renegotiated loans, are not considered nonperforming and are therefore excluded from nonperforming loans and leases in the table below. See Note 1 – Summary of Significant Accounting Principles to the Consolidated Financial Statements of the Corporation’s 2010 Annual Report on Form 10-K for further information on the criteria to determine if a loan is classified as nonperforming. Real estate-secured past due consumer fully-insured loans are reported as performing since the principal repayment is insured.

		Nonperforming Loans and Leases								Accruing Past Due 90 Days or More
		June 30				December 31				June 30				December 31
(Dollars in millions)		2011				2010				2011				2010
Home loans
Core portfolio
Residential mortgage (1)		$	1,670			$	1,510			$	431			$	16
Home equity			261				107				-				-
Legacy Asset Servicing portfolio
Residential mortgage (1)			15,056				16,181				19,616				16,752
Home equity			2,084				2,587				-				-
Discontinued real estate			324				331				-				-
Credit card and other consumer
U.S. credit card			n/a				n/a				2,413				3,320
Non-U.S. credit card			n/a				n/a				607				599
Direct/Indirect consumer			58				90				810				1,058
Other consumer			25				48				3				2
Total consumer			19,478				20,854				23,880				21,747
Commercial
U.S. commercial			2,767				3,453				83				236
Commercial real estate			5,051				5,829				45				47
Commercial lease financing			23				117				22				18
Non-U.S. commercial			108				233				3				6
U.S. small business commercial			156				204				257				325
Total commercial			8,105				9,836				410				632
Total consumer and commercial		$	27,583			$	30,690			$	24,290			$	22,379

(1)		Residential mortgage loans accruing past due 90 days or more are fully-insured loans. At June 30, 2011 and December 31, 2010, residential mortgage includes $15.7 billion and $8.3 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 $4.3 billion and $8.5 billion of loans on which interest is still accruing.
n/a		= not applicable

     Included in certain loan categories in nonperforming loans and leases in the table above are TDRs that are classified as nonperforming. At June 30, 2011 and December 31, 2010, the Corporation had $3.6 billion and $3.0 billion of residential mortgages, $468 million and $535 million of home equity, $76 million and $75 million of discontinued real estate, $348 million and $175 million of U.S. commercial, $868 million and $770 million of commercial real estate and $40 million and $7 million of non-U.S. commercial loans that were TDRs and classified as nonperforming.

Credit Quality Indicators

     The Corporation monitors credit quality within its three portfolio segments based on primary credit quality indicators. Within the home loans portfolio segment, the primary credit quality indicators are refreshed LTV and refreshed FICO score. Refreshed LTV measures the carrying value of the loan as a percentage of the value of property securing the loan, refreshed quarterly. Home equity loans are evaluated using combined LTV which measures the carrying value of the combined loans that have liens against the property and the available line of credit as a percentage of the appraised value of the property securing the loan, refreshed quarterly. Refreshed FICO score measures the creditworthiness of the borrower based on the financial obligations of the borrower and the borrower’s credit history. At a minimum, FICO scores are refreshed quarterly, and in many cases, more frequently. Refreshed FICO score is also a primary credit quality indicator for the credit card and other consumer portfolio segment and the business card portfolio within U.S. small business commercial. The Corporation’s commercial loans are evaluated using pass rated or reservable criticized as the primary credit quality indicators. The term reservable criticized refers to those commercial loans that are internally classified or listed by the Corporation as special mention, substandard or doubtful, which are asset categories defined by regulatory authorities. These assets have an elevated level of risk and may have a high probability of default or total loss. Pass rated refers to all loans not considered criticized. In addition to these primary credit quality indicators, the Corporation uses other credit quality indicators for certain types of loans.

     The tables below present certain credit quality indicators for the Corporation’s home loans, credit card and other consumer loans, and commercial loan portfolio segments at June 30, 2011 and December 31, 2010.

Home Loans (1)
		June 30, 2011
						Legacy Asset																				Legacy Asset				Countrywide
		Core Portfolio				Servicing				Countrywide				Core Portfolio				Legacy Asset				Countrywide				Servicing				Discontinued
		Residential				Residential				Residential				Home				Servicing Home				Home Equity				Discontinued				Real Estate
(Dollars in millions)		Mortgage (2)				Mortgage (2)				Mortgage PCI				Equity (2)				Equity (2)				PCI				Real Estate (2)				PCI
Refreshed LTV (3)
Less than 90 percent		$	85,776			$	20,459			$	3,707			$	46,086			$	17,193			$	2,236			$	767			$	6,678
Greater than 90 percent but less than 100 percent			12,094				6,322				1,589				7,787				5,137				1,033				125				1,275
Greater than 100 percent			18,325				26,889				4,928				15,298				26,838				9,046				234				2,924
Fully-insured loans (4)			59,357				26,887				-				-				-				-				-				-
Total home loans		$	175,552			$	80,557			$	10,224			$	69,171			$	49,168			$	12,315			$	1,126			$	10,877
Refreshed FICO score
Less than 620		$	5,518			$	20,367			$	3,920			$	4,111			$	10,068			$	3,248			$	523			$	6,731
Greater than or equal to 620			110,677				33,303				6,304				65,060				39,100				9,067				603				4,146
Fully-insured loans (4)			59,357				26,887				-				-				-				-				-				-
Total home loans		$	175,552			$	80,557			$	10,224			$	69,171			$	49,168			$	12,315			$	1,126			$	10,877

(1)		Excludes $5.2 billion of loans accounted for under the fair value option.
(2)		Excludes Countrywide PCI loans.
(3)		Refreshed LTV percentages for PCI loans were 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.

Credit Card and Other Consumer
		June 30, 2011
		U.S. Credit				Non-U.S.				Direct/Indirect				Other
(Dollars in millions)		Card				Credit Card				Consumer				Consumer (1)
Refreshed FICO score
Less than 620		$	10,809			$	512			$	4,935			$	880
Greater than or equal to 620			93,850				7,517				46,344				913
Other internal credit metrics (2, 3, 4)			-				18,008				38,979				969
Total credit card and other consumer		$	104,659			$	26,037			$	90,258			$	2,762

(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 may include delinquency status, geography or other factors.
(3)		Direct/indirect consumer includes $29.6 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $6.6 billion of loans the Corporation no longer originates.
(4)		Non-U.S. credit card represents the select European countries’ credit card portfolios and a portion of the Canadian credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At June 30, 2011, 95 percent of this portfolio was current or less than 30 days past due, two percent was 30-89 days past due and three percent was 90 days past due or more.

Commercial (1)
		June 30, 2011
										Commercial								U.S. Small
		U.S.				Commercial				Lease				Non-U.S.				Business
(Dollars in millions)		Commercial				Real Estate				Financing				Commercial				Commercial
Risk Ratings
Pass rated		$	164,199			$	28,026			$	20,390			$	41,105			$	2,724
Reservable criticized			12,478				16,002				1,001				1,824				939
Refreshed FICO score
Less than 620			n/a				n/a				n/a				n/a				682
Greater than or equal to 620			n/a				n/a				n/a				n/a				4,952
Other internal credit metrics (2, 3)			n/a				n/a				n/a				n/a				4,632
Total commercial credit		$	176,677			$	44,028			$	21,391			$	42,929			$	13,929

(1)		Includes $181 million of PCI loans in the commercial portfolio segment and excludes $4.4 billion of loans accounted for under the fair value option.
(2)		Other internal credit metrics may include delinquency status, application scores, geography or other factors.
(3)		U.S. small business commercial includes business card and small business loans which are evaluated using internal credit metrics, including delinquency status. At June 30, 2011, 97 percent was current or less than 30 days past due.
n/a		= not applicable

Home Loans
		December 31, 2010
						Legacy Asset																				Legacy Asset				Countrywide
		Core Portfolio				Servicing				Countrywide				Core Portfolio				Legacy Asset				Countrywide				Servicing				Discontinued
		Residential				Residential				Residential				Home				Servicing Home				Home Equity				Discontinued				Real Estate
(Dollars in millions)		Mortgage (1)				Mortgage (1)				Mortgage PCI				Equity (1)				Equity (1)				PCI				Real Estate (1)				PCI (2)
Refreshed LTV (2)
Less than 90 percent		$	95,874			$	21,357			$	3,710			$	51,555			$	22,125			$	2,313			$	1,033			$	6,713
Greater than 90 percent but less than 100 percent			11,581				8,234				1,664				7,534				6,504				1,215				155				1,319
Greater than 100 percent			14,047				29,043				5,218				12,430				25,243				9,062				268				3,620
Fully-insured loans (3)			45,425				21,820				-				-				-				-				-				-
Total home loans		$	166,927			$	80,454			$	10,592			$	71,519			$	53,872			$	12,590			$	1,456			$	11,652
Refreshed FICO score
Less than 620		$	5,193			$	22,126			$	4,016			$	3,932			$	11,562			$	3,206			$	663			$	7,168
Greater than or equal to 620			116,309				36,508				6,576				67,587				42,310				9,384				793				4,484
Fully-insured loans (3)			45,425				21,820				-				-				-				-				-				-
Total home loans		$	166,927			$	80,454			$	10,592			$	71,519			$	53,872			$	12,590			$	1,456			$	11,652

(1)		Excludes Countrywide PCI loans.
(2)		Refreshed LTV percentages for PCI loans were calculated using the carrying value net of the related valuation allowance.
(3)		Credit quality indicators are not reported for fully-insured loans as principal repayment is insured.

Credit Card and Other Consumer
		December 31, 2010
		U.S. Credit				Non-U.S.				Direct/Indirect				Other
(Dollars in millions)		Card				Credit Card				Consumer				Consumer (1)
Refreshed FICO score
Less than 620		$	14,159			$	631			$	6,748			$	979
Greater than or equal to 620			99,626				7,528				48,209				961
Other internal credit metrics (2, 3, 4)			-				19,306				35,351				890
Total credit card and other consumer		$	113,785			$	27,465			$	90,308			$	2,830

(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 may include delinquency status, geography or other factors.
(3)		Direct/indirect consumer includes $24.0 billion of securities-based lending which is overcollateralized and therefore has minimal credit risk and $7.4 billion of loans the Corporation no longer originates.
(4)		Non-U.S. credit card represents the select European countries’ credit card portfolios and a portion of the Canadian credit card portfolio which is evaluated using internal credit metrics, including delinquency status. At December 31, 2010, 95 percent of this portfolio was current or less than 30 days past due, three percent was 30-89 days past due and two percent was 90 days past due or more.

Commercial (1)
		December 31, 2010
										Commercial								U.S. Small
		U.S.				Commercial				Lease				Non-U.S.				Business
(Dollars in millions)		Commercial				Real Estate				Financing				Commercial				Commercial
Risk Ratings
Pass rated		$	160,154			$	29,757			$	20,754			$	30,180			$	3,139
Reservable criticized			15,432				19,636				1,188				1,849				988
Refreshed FICO score
Less than 620			n/a				n/a				n/a				n/a				888
Greater than or equal to 620			n/a				n/a				n/a				n/a				5,083
Other internal credit metrics (2, 3)			n/a				n/a				n/a				n/a				4,621
Total commercial credit		$	175,586			$	49,393			$	21,942			$	32,029			$	14,719

(1)		Includes $204 million of PCI loans in the commercial portfolio segment and excludes $3.3 billion of loans accounted for under the fair value option.
(2)		Other internal credit metrics may include delinquency status, application scores, geography or other factors.
(3)		U.S. small business commercial includes business card and small business loans which are evaluated using internal credit metrics, including delinquency status. At December 31, 2010, 95 percent was current or less than 30 days past due.
n/a		= not applicable

Impaired Loans and Troubled Debt Restructurings

     A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans, all TDRs, including both commercial and consumer TDRs, and the renegotiated credit card, consumer lending and small business loan portfolios (collectively, the renegotiated portfolio). Impaired loans exclude nonperforming consumer loans unless they are classified as TDRs, all commercial leases and all loans accounted for under the fair value option. PCI loans are reported separately on page 160.

     The following tables present impaired loans in the Corporation’s home loans and commercial loan portfolio segments at June 30, 2011 and December 31, 2010. The impaired home loans table below consists primarily of loans managed by Legacy Asset Servicing. Certain impaired home loans and commercial loans do not have a related allowance as the valuation of these impaired loans exceeded the carrying value.

Impaired Loans - Home Loans
														Three Months Ended June 30
		June 30, 2011												2011								2010
		Unpaid												Average				Interest				Average				Interest
		Principal				Carrying				Related				Carrying				Income				Carrying				Income
(Dollars in millions)		Balance				Value				Allowance				Value				Recognized (1)				Value				Recognized (1)
With no recorded allowance
Residential mortgage		$	6,955			$	5,400				n/a			$	5,427			$	62			$	4,125			$	43
Home equity			1,381				395				n/a				419				5				483				5
Discontinued real estate			324				193				n/a				216				2				220				2
With an allowance recorded
Residential mortgage		$	11,914			$	10,371			$	1,320			$	9,828			$	77			$	5,058			$	46
Home equity			1,764				1,420				723				1,439				8				1,525				7
Discontinued real estate			303				204				51				181				2				168				2
Total
Residential mortgage		$	18,869			$	15,771			$	1,320			$	15,255			$	139			$	9,183			$	89
Home equity			3,145				1,815				723				1,858				13				2,008				12
Discontinued real estate			627				397				51				397				4				388				4
														Six Months Ended June 30
														2011								2010
With no recorded allowance
Residential mortgage														$	5,527			$	116			$	3,563			$	79
Home equity															452				10				455				9
Discontinued real estate															222				4				223				4
With an allowance recorded
Residential mortgage														$	8,790			$	147			$	5,035			$	101
Home equity															1,370				15				1,706				12
Discontinued real estate															175				3				160				3
Total
Residential mortgage														$	14,317			$	263			$	8,598			$	180
Home equity															1,822				25				2,161				21
Discontinued real estate															397				7				383				7
														Year Ended
		December 31, 2010												December 31, 2010
With no recorded allowance
Residential mortgage		$	5,493			$	4,382				n/a			$	4,429			$	184
Home equity			1,411				437				n/a				493				21
Discontinued real estate			361				218				n/a				219				8
With an allowance recorded
Residential mortgage		$	8,593			$	7,406			$	1,154			$	5,226			$	196
Home equity			1,521				1,284				676				1,509				23
Discontinued real estate			247				177				41				170				7
Total
Residential mortgage		$	14,086			$	11,788			$	1,154			$	9,655			$	380
Home equity			2,932				1,721				676				2,002				44
Discontinued real estate			608				395				41				389				15

(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

Impaired Loans - Commercial
														Three Months Ended June 30
		June 30, 2011												2011								2010
		Unpaid												Average				Interest				Average				Interest
		Principal				Carrying				Related				Carrying				Income				Carrying				Income
(Dollars in millions)		Balance				Value				Allowance				Value				Recognized(1)				Value				Recognized (1)
With no recorded allowance
U.S. commercial		$	984			$	696				n/a			$	534			$	1			$	473			$	-
Commercial real estate			2,723				1,990				n/a				1,895				1				1,703				2
Non-U.S. commercial			161				72				n/a				92				-				-				-
U.S. small business commercial (2)			-				-				n/a				-				-				-				-
With an allowance recorded
U.S. commercial		$	3,067			$	2,255			$	340			$	2,463			$	2			$	3,882			$	9
Commercial real estate			4,330				3,219				165				3,491				2				5,263				7
Non-U.S. commercial			335				85				5				66				-				221				-
U.S. small business commercial (2)			705				677				268				707				6				1,080				9
Total
U.S. commercial		$	4,051			$	2,951			$	340			$	2,997			$	3			$	4,355			$	9
Commercial real estate			7,053				5,209				165				5,386				3				6,966				9
Non-U.S. commercial			496				157				5				158				-				221				-
U.S. small business commercial (2)			705				677				268				707				6				1,080				9
														Six Months Ended June 30
														2011								2010
With no recorded allowance
U.S. commercial														$	503			$	1			$	474			$	1
Commercial real estate															1,854				2				1,572				2
Non-U.S. commercial															71				-				-				-
U.S. small business commercial (2)															-				-				-				-
With an allowance recorded
U.S. commercial														$	2,692			$	3			$	4,006			$	12
Commercial real estate															3,709				4				5,481				10
Non-U.S. commercial															122				-				184				-
U.S. small business commercial (2)															762				13				1,079				18
Total
U.S. commercial														$	3,195			$	4			$	4,480			$	13
Commercial real estate															5,563				6				7,053				12
Non-U.S. commercial															193				-				184				-
U.S. small business commercial (2)															762				13				1,079				18
														Year Ended
		December 31, 2010												December 31, 2010
With no recorded allowance
U.S. commercial		$	968			$	441				n/a			$	547			$	3
Commercial real estate			2,655				1,771				n/a				1,736				8
Non-U.S. commercial			46				28				n/a				9				-
U.S. small business commercial (2)			-				-				n/a				-				-
With an allowance recorded
U.S. commercial		$	3,891			$	3,193			$	336			$	3,389			$	36
Commercial real estate			5,682				4,103				208				4,813				29
Non-U.S. commercial			572				217				91				190				-
U.S. small business commercial (2)			935				892				445				1,028				34
Total
U.S. commercial		$	4,859			$	3,634			$	336			$	3,936			$	39
Commercial real estate			8,337				5,874				208				6,549				37
Non-U.S. commercial			618				245				91				199				-
U.S. small business commercial (2)			935				892				445				1,028				34