Capital One(NYSE:COF) 
Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates t...
Website: http://www.capitalone.com
Founded: 1994
Full Time Employees: 50,800 (Dec 2021)
Sector: Financial Services
Industry: Credit Services
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At a glance:
- Credit Performance Normalizing, Watch Delinquencies: Capital One’s credit metrics are a key driver of earnings. Investors are focused on delinquency and charge-off trends—especially in credit cards—and whether losses stabilize or continue to rise as consumers feel the impact of higher rates and inflation.
- Net Interest Income Sensitive to Rates and Funding Costs: Higher interest rates can lift asset yields, but deposit betas and competition for funding can pressure margins. The trajectory of net interest margin depends on how quickly deposit and wholesale funding costs reprice versus loan yields.
- Card Loan Growth vs. Risk Appetite: Capital One’s growth in card balances and originations can support revenue, but underwriting standards and risk appetite matter. The market watches whether the company prioritizes prudent credit quality over aggressive growth.
- Expense Discipline and Technology Investment: Operating leverage is influenced by how effectively Capital One manages expenses while continuing heavy investment in technology, marketing, and compliance. Efficiency gains versus elevated spend are a recurring focus.
- Capital, Liquidity, and Regulatory Environment: Buybacks, dividends, and balance-sheet flexibility depend on capital generation and regulatory requirements. Changes in capital rules and stress-test outcomes can affect shareholder returns and strategic options.
Bull Thesis:
- Strong Credit Card Market Position and Brand Recognition: Capital One holds a significant market share in the U.S. credit card industry, supported by a well-recognized brand. This strong position provides a stable revenue base, pricing power, and a large customer acquisition funnel, allowing for continued growth even in competitive environments.
- Effective Digital Transformation and Technology Investment: Capital One has historically been a leader in leveraging data analytics and technology for risk management, customer acquisition, and enhancing digital banking experiences. Ongoing investments in AI, cloud computing, and digital platforms can drive operational efficiencies, improve customer engagement, and maintain a competitive edge.
- Beneficiary of Higher Interest Rates (Net Interest Margin Expansion): As a significant lender, Capital One generally benefits from a rising interest rate environment. Higher rates can lead to an expansion of its Net Interest Margin (NIM) as the yield on its loan portfolio increases, assuming deposit costs do not rise disproportionately, thereby boosting profitability.
- Resilient Consumer Spending and Credit Quality: Despite economic uncertainties, consumer spending has shown resilience, and unemployment remains low. If these trends continue, Capital One's credit quality could remain strong, leading to lower-than-expected charge-offs and delinquencies, which positively impacts earnings.
Bear Thesis:
- Rising Credit Losses and Delinquencies: With persistent inflation, higher interest rates, and potential economic slowdown, consumers may face increased financial strain. This could lead to a rise in credit card and auto loan delinquencies and charge-offs for Capital One, directly impacting its loan loss provisions and overall profitability.
- Intense Competition in the Credit Card Market: The credit card market is highly competitive, with numerous financial institutions and fintechs vying for market share. Aggressive rewards programs, introductory offers, and marketing by competitors could put pressure on Capital One's margins, customer acquisition costs, and retention rates.
- Sensitivity to Economic Downturns and Unemployment: As a consumer-focused lender, Capital One's performance is highly sensitive to macroeconomic conditions. A significant economic downturn or a rise in unemployment would directly impact consumers' ability to repay debts, leading to a deterioration in asset quality and increased credit losses.
- Funding Cost Pressures and Deposit Competition: While higher interest rates can benefit NIM, intense competition for deposits in a rising rate environment could drive up Capital One's funding costs. If deposit betas (the rate at which deposit costs rise relative to market rates) are high, it could compress NIM and offset some of the benefits from higher loan yields.
Main Competitors:
- JPMorgan Chase & Co. ($JPM) (Chase Credit Cards, Auto Loans, Consumer Banking), JPMorgan Chase competes directly with Capital One across its core segments. Through Chase, it offers a wide array of credit cards (from mass-market to premium rewards), a significant auto lending business, and comprehensive consumer banking services (checking, savings, mortgages) via its extensive branch network and digital platforms. They often target similar customer demographics, particularly in the prime and super-prime credit card markets.
- Discover Financial Services ($DFS) (Discover Credit Cards, Personal Loans, Banking), Discover is a direct competitor primarily in the credit card space, known for its cashback rewards programs and strong customer service, often appealing to a similar value-conscious customer base as Capital One. They also offer banking products (checking, savings, CDs) and personal loans, directly overlapping with Capital One's consumer finance and digital banking offerings.
- Ally Financial Inc. ($ALLY) (Ally Bank (Savings, Checking, CDs), Auto Loans), Ally competes strongly in two key areas: digital banking and auto finance. As an online-only bank, Ally Bank offers competitive rates on savings and checking accounts, directly challenging Capital One 360's digital banking model. Furthermore, Ally is one of the largest auto lenders in the U.S., making it a significant competitor to Capital One's auto loan business.
- Bank of America Corporation ($BAC) (Bank of America Credit Cards, Auto Loans, Consumer Banking), Bank of America is a comprehensive financial institution that competes with Capital One across its primary business lines. It offers a broad portfolio of credit cards, a substantial auto lending operation, and a vast network of consumer banking services (checking, savings, wealth management) through its extensive physical branches and digital platforms, appealing to a wide range of consumers and small businesses.
Moat:
Capital One operates in highly competitive segments of the financial services industry. Its primary moat lies in its sophisticated data analytics and risk management capabilities, particularly in credit card underwriting across various credit tiers, allowing it to effectively price and manage risk. Its direct banking model (Capital One 360) offers competitive rates and a strong digital experience, appealing to digitally-savvy consumers. However, competition is fierce from large incumbent banks with broader product portfolios and extensive branch networks (e.g., JPMorgan Chase, Bank of America), specialized credit card issuers (e.g., Discover), and agile digital-first banks and fintechs (e.g., Ally, Chime) that often offer lower fees or higher interest rates. Key competitive factors include interest rates, rewards programs, fees, customer service, digital user experience, and brand reputation.
Income Statements:
Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-12-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-12-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-12-31 |
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interest income: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
loans, including loans held for sale | 15,229,000,000 | 12,449,000,000 | 10,157,000,000 | 10,434,000,000 | 10,547,000,000 | 9,993,000,000 | 9,920,000,000 | 9,934,000,000 | 9,696,000,000 | 9,057,000,000 | 8,723,000,000 | 8,360,000,000 | 7,578,000,000 | 6,605,000,000 | 6,367,000,000 | 6,451,000,000 | 6,205,000,000 | 5,753,000,000 | 5,854,000,000 | 5,954,000,000 | 5,758,000,000 | 5,820,000,000 | 6,542,000,000 | 19,479,000,000 | 6,383,000,000 | 6,368,000,000 | 6,358,000,000 | 6,247,000,000 | 5,989,000,000 | 6,134,000,000 | 5,383,000,000 | 5,148,000,000 | 5,085,000,000 | 4,961,000,000 | 4,753,000,000 | 4,531,000,000 | 4,540,000,000 | 4,463,000,000 | 4,279,000,000 | 4,307,000,000 | 4,398,000,000 | 4,579,000,000 | 4,596,000,000 | 4,649,000,000 | |||||||||
investment securities | 823,000,000 | 784,000,000 | 770,000,000 | 753,000,000 | 733,000,000 | 700,000,000 | 687,000,000 | 669,000,000 | 627,000,000 | 639,000,000 | 615,000,000 | 548,000,000 | 499,000,000 | 435,000,000 | 402,000,000 | 368,000,000 | 317,000,000 | 370,000,000 | 391,000,000 | 422,000,000 | 443,000,000 | 482,000,000 | 530,000,000 | 1,782,000,000 | 629,000,000 | 655,000,000 | 627,000,000 | 593,000,000 | 539,000,000 | 452,000,000 | 386,000,000 | 405,000,000 | 415,000,000 | 401,000,000 | 386,000,000 | 382,000,000 | 406,000,000 | 398,000,000 | 409,000,000 | 416,000,000 | 414,000,000 | 396,000,000 | 391,000,000 | 374,000,000 | 361,000,000 | 335,000,000 | 335,000,000 | 298,000,000 | 244,000,000 | 264,000,000 | 313,000,000 | ||
other | 711,000,000 | 595,000,000 | 491,000,000 | 530,000,000 | 580,000,000 | 587,000,000 | 570,000,000 | 542,000,000 | 550,000,000 | 470,000,000 | 416,000,000 | 250,000,000 | 123,000,000 | 55,000,000 | 15,000,000 | 12,000,000 | 16,000,000 | 16,000,000 | 16,000,000 | 15,000,000 | 14,000,000 | 16,000,000 | 37,000,000 | 176,000,000 | 64,000,000 | 69,000,000 | 63,000,000 | 55,000,000 | 68,000,000 | 51,000,000 | 25,000,000 | 18,000,000 | 17,000,000 | 22,000,000 | 25,000,000 | 24,000,000 | 28,000,000 | 26,000,000 | 24,000,000 | 30,000,000 | 27,000,000 | 23,000,000 | 23,000,000 | 28,000,000 | 28,000,000 | 18,000,000 | 26,000,000 | 26,000,000 | 17,000,000 | 21,000,000 | 19,000,000 | 19,000,000 | |
total interest income | 16,763,000,000 | 13,828,000,000 | 11,418,000,000 | 11,717,000,000 | 11,860,000,000 | 11,280,000,000 | 11,177,000,000 | 11,145,000,000 | 10,873,000,000 | 10,166,000,000 | 9,754,000,000 | 9,158,000,000 | 8,200,000,000 | 7,095,000,000 | 6,784,000,000 | 6,831,000,000 | 6,538,000,000 | 6,139,000,000 | 6,261,000,000 | 6,391,000,000 | 6,215,000,000 | 6,318,000,000 | 7,109,000,000 | 21,437,000,000 | 7,076,000,000 | 7,092,000,000 | 7,048,000,000 | 6,895,000,000 | 6,596,000,000 | 6,637,000,000 | 5,794,000,000 | 5,571,000,000 | 5,517,000,000 | 5,384,000,000 | 5,164,000,000 | 4,937,000,000 | 4,974,000,000 | 4,887,000,000 | 4,712,000,000 | 4,753,000,000 | 4,839,000,000 | 4,998,000,000 | 5,010,000,000 | 5,051,000,000 | 5,115,000,000 | 5,254,000,000 | 4,616,000,000 | 3,979,000,000 | 3,701,000,000 | 3,835,000,000 | 3,699,000,000 | 3,752,000,000 | |
interest expense: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
deposits | 3,597,000,000 | 3,120,000,000 | 2,715,000,000 | 2,862,000,000 | 2,945,000,000 | 2,874,000,000 | 2,812,000,000 | 2,745,000,000 | 2,611,000,000 | 2,277,000,000 | 1,856,000,000 | 1,335,000,000 | 689,000,000 | 293,000,000 | 218,000,000 | 222,000,000 | 228,000,000 | 237,000,000 | 269,000,000 | 347,000,000 | 476,000,000 | 611,000,000 | 731,000,000 | 2,550,000,000 | 870,000,000 | 817,000,000 | 756,000,000 | 681,000,000 | 622,000,000 | 539,000,000 | 306,000,000 | 292,000,000 | 283,000,000 | 277,000,000 | 271,000,000 | 272,000,000 | 271,000,000 | 271,000,000 | 272,000,000 | 276,000,000 | 288,000,000 | 309,000,000 | 318,000,000 | 326,000,000 | 348,000,000 | 371,000,000 | 373,000,000 | 311,000,000 | 264,000,000 | 294,000,000 | 307,000,000 | 322,000,000 | |
securitized debt obligations | 165,000,000 | 164,000,000 | 176,000,000 | 205,000,000 | 234,000,000 | 258,000,000 | 261,000,000 | 263,000,000 | 249,000,000 | 236,000,000 | 211,000,000 | 170,000,000 | 120,000,000 | 65,000,000 | 29,000,000 | 30,000,000 | 29,000,000 | 28,000,000 | 32,000,000 | 34,000,000 | 43,000,000 | 56,000,000 | 99,000,000 | 384,000,000 | 139,000,000 | 143,000,000 | 138,000,000 | 127,000,000 | 124,000,000 | 107,000,000 | 56,000,000 | 47,000,000 | 48,000,000 | 43,000,000 | 39,000,000 | 36,000,000 | 33,000,000 | 32,000,000 | 39,000,000 | 38,000,000 | 40,000,000 | 42,000,000 | 45,000,000 | 56,000,000 | 58,000,000 | 64,000,000 | 69,000,000 | 80,000,000 | 80,000,000 | 89,000,000 | 113,000,000 | 140,000,000 | |
senior and subordinated notes | 582,000,000 | 535,000,000 | 505,000,000 | 540,000,000 | 596,000,000 | 591,000,000 | 606,000,000 | 608,000,000 | 579,000,000 | 528,000,000 | 489,000,000 | 430,000,000 | 319,000,000 | 194,000,000 | 131,000,000 | 121,000,000 | 116,000,000 | 122,000,000 | 129,000,000 | 128,000,000 | 132,000,000 | 180,000,000 | 239,000,000 | 849,000,000 | 310,000,000 | 314,000,000 | 297,000,000 | 288,000,000 | 289,000,000 | 251,000,000 | 121,000,000 | 111,000,000 | 106,000,000 | 89,000,000 | 82,000,000 | 80,000,000 | 79,000,000 | 71,000,000 | 78,000,000 | 77,000,000 | 75,000,000 | 76,000,000 | 82,000,000 | 82,000,000 | 85,000,000 | 85,000,000 | 87,000,000 | 88,000,000 | 89,000,000 | 84,000,000 | 63,000,000 | 64,000,000 | |
other borrowings | 15,000,000 | 14,000,000 | 9,000,000 | 12,000,000 | 9,000,000 | 11,000,000 | 10,000,000 | 10,000,000 | 11,000,000 | 12,000,000 | 12,000,000 | 26,000,000 | 69,000,000 | 26,000,000 | 9,000,000 | 8,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 9,000,000 | 11,000,000 | 15,000,000 | 60,000,000 | 11,000,000 | 27,000,000 | 37,000,000 | 13,000,000 | 10,000,000 | 22,000,000 | 34,000,000 | 28,000,000 | 24,000,000 | 14,000,000 | 12,000,000 | 12,000,000 | 15,000,000 | 16,000,000 | 8,000,000 | 12,000,000 | 13,000,000 | 11,000,000 | 12,000,000 | 17,000,000 | 96,000,000 | 88,000,000 | 86,000,000 | 86,000,000 | 86,000,000 | 85,000,000 | 80,000,000 | 86,000,000 | |
total interest expense | 4,359,000,000 | 3,833,000,000 | 3,405,000,000 | 3,619,000,000 | 3,784,000,000 | 3,734,000,000 | 3,689,000,000 | 3,626,000,000 | 3,450,000,000 | 3,053,000,000 | 2,568,000,000 | 1,961,000,000 | 1,197,000,000 | 578,000,000 | 387,000,000 | 381,000,000 | 382,000,000 | 396,000,000 | 439,000,000 | 518,000,000 | 660,000,000 | 858,000,000 | 1,084,000,000 | 3,843,000,000 | 1,330,000,000 | 1,301,000,000 | 1,228,000,000 | 1,109,000,000 | 1,045,000,000 | 919,000,000 | 517,000,000 | 478,000,000 | 461,000,000 | 423,000,000 | 404,000,000 | 400,000,000 | 398,000,000 | 390,000,000 | 397,000,000 | 403,000,000 | 416,000,000 | 438,000,000 | 457,000,000 | 481,000,000 | 587,000,000 | 608,000,000 | 615,000,000 | 565,000,000 | 519,000,000 | 552,000,000 | 563,000,000 | 612,000,000 | |
net interest income | 12,404,000,000 | 9,995,000,000 | 8,013,000,000 | 8,098,000,000 | 8,076,000,000 | 7,546,000,000 | 7,488,000,000 | 7,519,000,000 | 7,423,000,000 | 7,113,000,000 | 7,186,000,000 | 7,197,000,000 | 7,003,000,000 | 6,517,000,000 | 6,397,000,000 | 6,450,000,000 | 6,156,000,000 | 5,743,000,000 | 5,822,000,000 | 5,873,000,000 | 5,555,000,000 | 5,460,000,000 | 6,025,000,000 | 17,594,000,000 | 5,746,000,000 | 5,791,000,000 | 5,820,000,000 | 5,786,000,000 | 5,551,000,000 | 5,718,000,000 | 5,277,000,000 | 5,093,000,000 | 5,056,000,000 | 4,961,000,000 | 4,760,000,000 | 4,537,000,000 | 4,576,000,000 | 4,497,000,000 | 4,315,000,000 | 4,350,000,000 | 4,423,000,000 | 4,560,000,000 | 4,553,000,000 | 4,570,000,000 | 4,528,000,000 | 4,646,000,000 | 4,001,000,000 | 3,414,000,000 | 3,182,000,000 | 3,283,000,000 | 3,136,000,000 | 3,140,000,000 | |
benefit from credit losses | 2,714,000,000 | 11,430,000,000 | 2,369,000,000 | 2,642,000,000 | 2,482,000,000 | 3,909,000,000 | 2,683,000,000 | 2,857,000,000 | 2,284,000,000 | 2,490,000,000 | 2,795,000,000 | 264,000,000 | 331,000,000 | 4,246,000,000 | 5,423,000,000 | 4,894,000,000 | 1,342,000,000 | 1,693,000,000 | 1,638,000,000 | 1,268,000,000 | 1,276,000,000 | 1,674,000,000 | 1,588,000,000 | 1,592,000,000 | 1,527,000,000 | 1,380,000,000 | 1,092,000,000 | 1,129,000,000 | 935,000,000 | 993,000,000 | 704,000,000 | 735,000,000 | 957,000,000 | 849,000,000 | 762,000,000 | 885,000,000 | 1,151,000,000 | 1,014,000,000 | 1,677,000,000 | 573,000,000 | |||||||||||||
net interest income after benefit from credit losses | 9,690,000,000 | -1,435,000,000 | 5,644,000,000 | 5,456,000,000 | 5,594,000,000 | 3,637,000,000 | 4,805,000,000 | 4,662,000,000 | 5,139,000,000 | 4,623,000,000 | 4,391,000,000 | 4,781,000,000 | 5,334,000,000 | 5,432,000,000 | 5,720,000,000 | 6,069,000,000 | 6,498,000,000 | 6,903,000,000 | 6,645,000,000 | 5,609,000,000 | 5,224,000,000 | 1,214,000,000 | 602,000,000 | 12,700,000,000 | 4,404,000,000 | 4,098,000,000 | 4,182,000,000 | 4,518,000,000 | 4,275,000,000 | 4,044,000,000 | 3,689,000,000 | 3,501,000,000 | 3,529,000,000 | 3,581,000,000 | 3,668,000,000 | 3,408,000,000 | 3,641,000,000 | 3,504,000,000 | 3,611,000,000 | 3,615,000,000 | 3,466,000,000 | 3,711,000,000 | 3,791,000,000 | 3,685,000,000 | 3,377,000,000 | 3,632,000,000 | 2,324,000,000 | 2,841,000,000 | |||||
non-interest income: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
discount and interchange fees | 1,812,000,000 | 1,478,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
service charges and other customer-related fees | 849,000,000 | 658,000,000 | 509,000,000 | 554,000,000 | 501,000,000 | 459,000,000 | 462,000,000 | 424,000,000 | 453,000,000 | 411,000,000 | 379,000,000 | 395,000,000 | 415,000,000 | 415,000,000 | 400,000,000 | 435,000,000 | 407,000,000 | 384,000,000 | 352,000,000 | 338,000,000 | 320,000,000 | 258,000,000 | 327,000,000 | 978,000,000 | 352,000,000 | 353,000,000 | 352,000,000 | 410,000,000 | 391,000,000 | 432,000,000 | 387,000,000 | 371,000,000 | 404,000,000 | 426,000,000 | 423,000,000 | 429,000,000 | 437,000,000 | 471,000,000 | 460,000,000 | 474,000,000 | 504,000,000 | 530,000,000 | 534,000,000 | 550,000,000 | 595,000,000 | 557,000,000 | 539,000,000 | 415,000,000 | 452,000,000 | 542,000,000 | 460,000,000 | 525,000,000 | |
net securities loss | |||||||||||||||||||||||||||||||||||||||||||||||||||||
total non-interest income | 2,955,000,000 | 2,497,000,000 | 1,987,000,000 | 2,092,000,000 | 1,938,000,000 | 1,960,000,000 | 1,914,000,000 | 1,987,000,000 | 1,943,000,000 | 1,899,000,000 | 1,717,000,000 | 1,843,000,000 | 1,802,000,000 | 1,715,000,000 | 1,776,000,000 | 1,668,000,000 | 1,674,000,000 | 1,631,000,000 | 1,291,000,000 | 1,464,000,000 | 1,826,000,000 | 1,096,000,000 | 1,224,000,000 | 3,875,000,000 | 1,378,000,000 | 1,292,000,000 | 1,193,000,000 | 1,176,000,000 | 1,641,000,000 | 1,191,000,000 | 1,184,000,000 | 1,161,000,000 | 1,164,000,000 | 1,233,000,000 | 1,140,000,000 | 1,135,000,000 | 1,071,000,000 | 1,142,000,000 | 1,153,000,000 | 1,020,000,000 | 1,121,000,000 | 1,091,000,000 | 1,085,000,000 | 981,000,000 | 1,096,000,000 | 1,136,000,000 | 1,054,000,000 | 1,521,000,000 | 868,000,000 | 871,000,000 | 857,000,000 | 942,000,000 | |
non-interest expense: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
salaries and associate benefits | 3,496,000,000 | 2,999,000,000 | 2,546,000,000 | 2,329,000,000 | 2,391,000,000 | 2,200,000,000 | 2,478,000,000 | 2,284,000,000 | 2,274,000,000 | 2,317,000,000 | 2,427,000,000 | 2,266,000,000 | 2,187,000,000 | 1,946,000,000 | 2,026,000,000 | 1,941,000,000 | 1,852,000,000 | 1,781,000,000 | 1,847,000,000 | 1,755,000,000 | 1,719,000,000 | 1,704,000,000 | 1,627,000,000 | 4,830,000,000 | 1,558,000,000 | 1,573,000,000 | 1,345,000,000 | 1,432,000,000 | 1,430,000,000 | 1,520,000,000 | 1,317,000,000 | 1,279,000,000 | 1,270,000,000 | 1,215,000,000 | 1,189,000,000 | 1,360,000,000 | 1,211,000,000 | 1,128,000,000 | 1,125,000,000 | 1,161,000,000 | 1,103,000,000 | 1,145,000,000 | 1,104,000,000 | 1,080,000,000 | 1,039,000,000 | 1,002,000,000 | 971,000,000 | 891,000,000 | 817,000,000 | 750,000,000 | 715,000,000 | 741,000,000 | |
occupancy and equipment | 856,000,000 | 737,000,000 | 615,000,000 | 674,000,000 | 587,000,000 | 551,000,000 | 554,000,000 | 628,000,000 | 518,000,000 | 506,000,000 | 508,000,000 | 554,000,000 | 502,000,000 | 481,000,000 | 513,000,000 | 527,000,000 | 481,000,000 | 523,000,000 | 472,000,000 | 572,000,000 | 506,000,000 | 523,000,000 | 517,000,000 | 1,577,000,000 | 521,000,000 | 493,000,000 | 610,000,000 | 515,000,000 | 503,000,000 | 490,000,000 | 499,000,000 | 465,000,000 | 458,000,000 | 511,000,000 | 444,000,000 | 439,000,000 | 435,000,000 | 419,000,000 | 447,000,000 | 405,000,000 | 429,000,000 | 369,000,000 | 356,000,000 | 350,000,000 | |||||||||
marketing | 1,403,000,000 | 1,345,000,000 | 1,202,000,000 | 1,375,000,000 | 1,113,000,000 | 1,064,000,000 | 1,010,000,000 | 1,254,000,000 | 972,000,000 | 886,000,000 | 897,000,000 | 1,118,000,000 | 978,000,000 | 1,003,000,000 | 918,000,000 | 999,000,000 | 751,000,000 | 620,000,000 | 501,000,000 | 563,000,000 | 283,000,000 | 273,000,000 | 491,000,000 | 1,728,000,000 | 546,000,000 | 517,000,000 | 831,000,000 | 504,000,000 | 425,000,000 | 414,000,000 | 393,000,000 | 415,000,000 | 428,000,000 | 564,000,000 | 418,000,000 | 387,000,000 | 375,000,000 | 392,000,000 | 335,000,000 | 325,000,000 | 427,000,000 | 299,000,000 | 330,000,000 | 317,000,000 | 393,000,000 | 316,000,000 | 334,000,000 | 321,000,000 | 420,000,000 | 312,000,000 | 329,000,000 | 276,000,000 | |
professional services | 641,000,000 | 653,000,000 | 437,000,000 | 630,000,000 | 402,000,000 | 316,000,000 | 262,000,000 | 359,000,000 | 295,000,000 | 290,000,000 | 324,000,000 | 481,000,000 | 471,000,000 | 458,000,000 | 397,000,000 | 449,000,000 | 358,000,000 | 341,000,000 | 292,000,000 | 394,000,000 | 327,000,000 | 304,000,000 | 287,000,000 | 923,000,000 | 314,000,000 | 291,000,000 | 426,000,000 | 275,000,000 | 234,000,000 | 210,000,000 | 296,000,000 | 304,000,000 | 278,000,000 | 349,000,000 | 313,000,000 | 334,000,000 | 296,000,000 | 304,000,000 | 296,000,000 | 287,000,000 | 347,000,000 | 320,000,000 | 329,000,000 | 307,000,000 | |||||||||
communications and data processing | 476,000,000 | 413,000,000 | 399,000,000 | 398,000,000 | 358,000,000 | 355,000,000 | 351,000,000 | 345,000,000 | 344,000,000 | 344,000,000 | 350,000,000 | 352,000,000 | 349,000,000 | 339,000,000 | 339,000,000 | 326,000,000 | 319,000,000 | 315,000,000 | 302,000,000 | 295,000,000 | 310,000,000 | 308,000,000 | 302,000,000 | 961,000,000 | 329,000,000 | 303,000,000 | 326,000,000 | 311,000,000 | 317,000,000 | 306,000,000 | 252,000,000 | 262,000,000 | 243,000,000 | 247,000,000 | 226,000,000 | 208,000,000 | 202,000,000 | 196,000,000 | 203,000,000 | 196,000,000 | 218,000,000 | 224,000,000 | 233,000,000 | 210,000,000 | 205,000,000 | 198,000,000 | 203,000,000 | 173,000,000 | 177,000,000 | 178,000,000 | 162,000,000 | 164,000,000 | |
amortization of intangibles | 514,000,000 | 271,000,000 | 16,000,000 | 19,000,000 | 20,000,000 | 19,000,000 | 19,000,000 | 22,000,000 | 24,000,000 | 22,000,000 | 14,000,000 | 25,000,000 | 17,000,000 | 14,000,000 | 14,000,000 | 13,000,000 | 5,000,000 | 5,000,000 | 6,000,000 | 8,000,000 | 14,000,000 | 16,000,000 | 22,000,000 | 83,000,000 | 29,000,000 | 30,000,000 | 43,000,000 | 44,000,000 | 43,000,000 | 44,000,000 | 89,000,000 | 95,000,000 | 101,000,000 | 103,000,000 | 106,000,000 | 111,000,000 | 110,000,000 | 130,000,000 | 136,000,000 | 143,000,000 | 166,000,000 | 161,000,000 | 167,000,000 | 177,000,000 | |||||||||
total non-interest expense | 8,263,000,000 | 6,991,000,000 | 5,902,000,000 | 6,089,000,000 | 5,314,000,000 | 4,946,000,000 | 5,137,000,000 | 5,717,000,000 | 4,860,000,000 | 4,794,000,000 | 4,945,000,000 | 5,080,000,000 | 4,949,000,000 | 4,583,000,000 | 4,551,000,000 | 4,678,000,000 | 4,186,000,000 | 3,966,000,000 | 3,740,000,000 | 4,009,000,000 | 3,548,000,000 | 3,770,000,000 | 3,729,000,000 | 11,704,000,000 | 3,779,000,000 | 3,671,000,000 | 4,132,000,000 | 3,773,000,000 | 3,424,000,000 | 3,573,000,000 | 3,361,000,000 | 3,295,000,000 | 3,223,000,000 | 3,480,000,000 | 3,160,000,000 | 3,307,000,000 | 3,049,000,000 | 2,985,000,000 | 2,979,000,000 | 2,932,000,000 | 3,280,000,000 | 3,147,000,000 | 3,059,000,000 | 3,028,000,000 | 3,255,000,000 | 3,045,000,000 | 3,142,000,000 | 2,504,000,000 | 2,618,000,000 | 2,297,000,000 | 2,255,000,000 | 2,162,000,000 | |
income from continuing operations before income taxes | 4,382,000,000 | -5,929,000,000 | 1,729,000,000 | 1,459,000,000 | 2,218,000,000 | 651,000,000 | 1,582,000,000 | 932,000,000 | 2,222,000,000 | 1,728,000,000 | 1,163,000,000 | 1,544,000,000 | 2,187,000,000 | 2,564,000,000 | 2,945,000,000 | 3,059,000,000 | 3,986,000,000 | 4,568,000,000 | 4,196,000,000 | 3,064,000,000 | 3,502,000,000 | -1,460,000,000 | -1,903,000,000 | 4,871,000,000 | 2,003,000,000 | 1,719,000,000 | 1,243,000,000 | 1,921,000,000 | 2,492,000,000 | 1,662,000,000 | 1,512,000,000 | 1,367,000,000 | 1,470,000,000 | 1,334,000,000 | 1,648,000,000 | 1,236,000,000 | 1,663,000,000 | 1,661,000,000 | 1,785,000,000 | 1,703,000,000 | 1,307,000,000 | 1,655,000,000 | 1,817,000,000 | 1,638,000,000 | 1,218,000,000 | 1,723,000,000 | 236,000,000 | 1,858,000,000 | 571,000,000 | 1,235,000,000 | 1,395,000,000 | 1,386,000,000 | |
income tax benefit | 1,189,000,000 | -1,666,000,000 | 695,500,000 | 882,000,000 | 1,031,000,000 | 869,000,000 | -2,500,000 | 1,096,000,000 | -543,000,000 | -563,000,000 | |||||||||||||||||||||||||||||||||||||||||||
income from continuing operations, net of tax | 3,193,000,000 | -4,263,000,000 | 1,232,000,000 | 1,694,000,000 | 2,031,000,000 | 2,403,000,000 | 2,426,000,000 | 3,104,000,000 | 3,537,000,000 | 3,327,000,000 | 2,568,000,000 | 2,406,000,000 | -917,000,000 | -1,340,000,000 | 3,917,000,000 | 1,616,000,000 | 1,410,000,000 | 1,264,000,000 | 1,501,000,000 | 1,917,000,000 | 1,343,000,000 | 1,016,000,000 | 943,000,000 | 1,018,000,000 | 908,000,000 | 1,118,000,000 | 852,000,000 | 1,134,000,000 | 1,125,000,000 | 1,204,000,000 | 1,124,000,000 | 882,000,000 | 1,130,000,000 | 1,236,000,000 | 1,144,000,000 | 848,000,000 | 1,188,000,000 | 193,000,000 | 1,505,000,000 | 411,000,000 | 865,000,000 | 945,000,000 | 1,032,000,000 | ||||||||||
income from discontinued operations, net of tax | -1,000,000 | -14,000,000 | -1,000,000 | -1,000,000 | -2,000,000 | -2,000,000 | -1,000,000 | 4,000,000 | 9,000,000 | 2,000,000 | -3,000,000 | 1,000,000 | -11,000,000 | 3,000,000 | -11,000,000 | -1,000,000 | -5,000,000 | 12,000,000 | -4,000,000 | 11,000,000 | 19,000,000 | -44,000,000 | -10,000,000 | 30,000,000 | -23,000,000 | -13,000,000 | -119,000,000 | -78,000,000 | -5,000,000 | -10,000,000 | -100,000,000 | -102,000,000 | -4,000,000 | -52,000,000 | -34,000,000 | -16,000,000 | |||||||||||||||||
net income | 3,192,000,000 | -4,277,000,000 | 1,404,000,000 | 1,096,000,000 | 1,777,000,000 | 597,000,000 | 1,280,000,000 | 706,000,000 | 1,790,000,000 | 1,431,000,000 | 960,000,000 | 1,232,000,000 | 1,694,000,000 | 2,031,000,000 | 2,403,000,000 | 2,425,000,000 | 3,104,000,000 | 3,536,000,000 | 3,325,000,000 | 2,566,000,000 | 2,406,000,000 | -918,000,000 | -1,340,000,000 | 3,921,000,000 | 1,625,000,000 | 1,412,000,000 | 1,261,000,000 | 1,502,000,000 | 1,906,000,000 | 1,346,000,000 | 1,005,000,000 | 942,000,000 | 1,013,000,000 | 920,000,000 | 1,114,000,000 | 863,000,000 | 1,153,000,000 | 1,081,000,000 | 1,194,000,000 | 1,154,000,000 | 859,000,000 | 1,117,000,000 | 1,117,000,000 | 1,066,000,000 | 843,000,000 | 1,178,000,000 | 93,000,000 | 1,403,000,000 | 407,000,000 | 813,000,000 | 911,000,000 | 1,016,000,000 | |
yoy | 79.63% | -816.42% | 9.69% | 55.24% | -0.73% | -58.28% | 33.33% | -42.69% | 5.67% | -29.54% | -60.05% | -49.20% | -45.43% | -42.56% | -27.73% | -5.49% | 29.01% | -485.19% | -348.13% | -34.56% | 48.06% | -165.01% | -206.26% | 161.05% | -14.74% | 4.90% | 25.47% | 59.45% | 88.15% | 46.30% | -9.78% | 9.15% | -12.14% | -14.89% | -6.70% | -25.22% | 34.23% | -3.22% | 6.89% | 8.26% | 1.90% | -5.18% | 1101.08% | -24.02% | 107.13% | 44.90% | -89.79% | 38.09% | |||||
qoq | -174.63% | -404.63% | 28.10% | -38.32% | 197.65% | -53.36% | 81.30% | -60.56% | 25.09% | 49.06% | -22.08% | -27.27% | -16.59% | -15.48% | -0.91% | -21.88% | -12.22% | 6.35% | 29.58% | 6.65% | -362.09% | -31.49% | -134.17% | 141.29% | 15.08% | 11.97% | -16.05% | -21.20% | 41.60% | 33.93% | 6.69% | -7.01% | 10.11% | -17.41% | 29.08% | -25.15% | 6.66% | -9.46% | 3.47% | 34.34% | -23.10% | 0.00% | 4.78% | 26.45% | -28.44% | 1166.67% | -93.37% | 244.72% | -49.94% | -10.76% | -10.33% | ||
dividends and undistributed earnings allocated to participating securities | -33,000,000 | -4,000,000 | -22,000,000 | -17,000,000 | -28,000,000 | -9,000,000 | -23,000,000 | -10,000,000 | -28,000,000 | -23,000,000 | -16,000,000 | -14,000,000 | -21,000,000 | -25,000,000 | -28,000,000 | -21,000,000 | -26,000,000 | -30,000,000 | -28,000,000 | -15,000,000 | -20,000,000 | -1,000,000 | -3,000,000 | -29,000,000 | -12,000,000 | -12,000,000 | -8,000,000 | -9,000,000 | -12,000,000 | -10,000,000 | -6,000,000 | -6,000,000 | -6,000,000 | -4,000,000 | -6,000,000 | -4,000,000 | -6,000,000 | -5,000,000 | -5,000,000 | -3,000,000 | -5,000,000 | -4,000,000 | -5,000,000 | -3,000,000 | -5,000,000 | -1,000,000 | -7,000,000 | ||||||
preferred stock dividends | -73,000,000 | -65,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -57,000,000 | -74,000,000 | -79,000,000 | -60,000,000 | -61,000,000 | -68,000,000 | -67,000,000 | -90,000,000 | -55,000,000 | -202,000,000 | -80,000,000 | -52,000,000 | -80,000,000 | -53,000,000 | -80,000,000 | -52,000,000 | -37,000,000 | -65,000,000 | -37,000,000 | -68,000,000 | -29,000,000 | -29,000,000 | -32,000,000 | -20,000,000 | -13,000,000 | -13,000,000 | -14,000,000 | -13,000,000 | -13,000,000 | -13,000,000 | |||||||||
discount on redeemed preferred stock | 6,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
net income available to common stockholders | 3,086,000,000 | -4,340,000,000 | 1,325,000,000 | 1,022,000,000 | 1,692,000,000 | 531,000,000 | 1,200,000,000 | 639,000,000 | 1,705,000,000 | 1,351,000,000 | 887,000,000 | 1,161,000,000 | 1,616,000,000 | 1,949,000,000 | 2,318,000,000 | 2,296,000,000 | 2,987,000,000 | 3,446,000,000 | 3,236,000,000 | 2,466,000,000 | 2,319,000,000 | -1,009,000,000 | -1,420,000,000 | 3,659,000,000 | 1,533,000,000 | 1,348,000,000 | 1,173,000,000 | 1,440,000,000 | 1,814,000,000 | 1,284,000,000 | 962,000,000 | 871,000,000 | 970,000,000 | 848,000,000 | 1,079,000,000 | 830,000,000 | 1,115,000,000 | 1,056,000,000 | 1,177,000,000 | 1,136,000,000 | 842,000,000 | 1,099,000,000 | 1,100,000,000 | 1,048,000,000 | 825,000,000 | 1,173,000,000 | 92,000,000 | 1,396,000,000 | |||||
basic earnings per common share: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
net income from continuing operations | 4,830,000 | -8,550,000 | 1,670,000 | 4,460,000 | 3,530,000 | 3,080,000 | 4,210,000 | 4,980,000 | 5,650,000 | 5,520,000 | 6,810,000 | 7,650,000 | 7,060,000 | 5,400,000 | 5,070,000 | -2,210,000 | -3,100,000 | 7,830,000 | 3,240,000 | 2,870,000 | 2,520,000 | 3,010,000 | 3,760,000 | 2,630,000 | 1,940,000 | 1,700,000 | 1,860,000 | 1,590,000 | 2,010,000 | 1,500,000 | 2,000,000 | 1,970,000 | 2,090,000 | 1,940,000 | |||||||||||||||||||
net income from discontinued operations | -30,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
net income per basic common share | 4,830,000 | -8,580,000 | 3,460,000 | 2,670,000 | 4,420,000 | 1,390,000 | 3,140,000 | 1,670,000 | 4,460,000 | 3,530,000 | 2,320,000 | 3,080,000 | 4,210,000 | 4,980,000 | 5,650,000 | 5,520,000 | 6,810,000 | 7,650,000 | 7,060,000 | 5,390,000 | 5,070,000 | -2,210,000 | -3,100,000 | 7,840,000 | 3,260,000 | 2,870,000 | 2,510,000 | 3,010,000 | 3,740,000 | 2,640,000 | 1,920,000 | 1,700,000 | 1,850,000 | 1,610,000 | 2,000,000 | 1,520,000 | 2,030,000 | 1,890,000 | 2,070,000 | 1,990,000 | 1,470,000 | 1,890,000 | 1,890,000 | 1,810,000 | 1,410,000 | 2,030,000 | 160,000 | 2,740,000 | 830,000 | 1,780,000 | 2,000,000 | 2,240,000 | |
diluted earnings per common share: | |||||||||||||||||||||||||||||||||||||||||||||||||||||
net income per diluted common share | 4,830,000 | -8,580,000 | 3,450,000 | 2,670,000 | 4,410,000 | 1,380,000 | 3,130,000 | 1,670,000 | 4,450,000 | 3,520,000 | 2,310,000 | 3,070,000 | 4,200,000 | 4,960,000 | 5,620,000 | 5,500,000 | 6,780,000 | 7,620,000 | 7,030,000 | 5,380,000 | 5,060,000 | -2,210,000 | -3,100,000 | 7,810,000 | 3,240,000 | 2,860,000 | 2,500,000 | 2,990,000 | 3,710,000 | 2,620,000 | 1,900,000 | 1,690,000 | 1,840,000 | 1,590,000 | 1,980,000 | 1,500,000 | 2,000,000 | 1,860,000 | 2,040,000 | 1,960,000 | 1,450,000 | 1,860,000 | 1,870,000 | 1,790,000 | 1,410,000 | 2,010,000 | 160,000 | 2,720,000 | 850,000 | 1,770,000 | 1,970,000 | 2,210,000 | |
interchange fees | 1,223,000,000 | 1,260,000,000 | 1,228,000,000 | 1,249,000,000 | 1,145,000,000 | 1,207,000,000 | 1,234,000,000 | 1,213,000,000 | 1,139,000,000 | 1,177,000,000 | 1,195,000,000 | 1,201,000,000 | 1,033,000,000 | 1,005,000,000 | 1,022,000,000 | 1,016,000,000 | 817,000,000 | 818,000,000 | 775,000,000 | 672,000,000 | 752,000,000 | 2,359,000,000 | 820,000,000 | 758,000,000 | 743,000,000 | 714,000,000 | 723,000,000 | 643,000,000 | 603,000,000 | 616,000,000 | 596,000,000 | 617,000,000 | 555,000,000 | 567,000,000 | 496,000,000 | 523,000,000 | 535,000,000 | 440,000,000 | 489,000,000 | 476,000,000 | 486,000,000 | 445,000,000 | 459,000,000 | 452,000,000 | 408,000,000 | 328,000,000 | 346,000,000 | 321,000,000 | 331,000,000 | 320,000,000 | |||
income tax provision | 325,000,000 | 366,000,000 | 441,000,000 | 54,000,000 | 302,000,000 | 226,000,000 | 432,000,000 | 297,000,000 | 203,000,000 | 312,000,000 | 493,000,000 | 533,000,000 | 542,000,000 | 954,000,000 | 387,000,000 | 309,000,000 | -21,000,000 | 420,000,000 | 575,000,000 | 319,000,000 | 496,000,000 | 424,000,000 | 452,000,000 | 426,000,000 | 530,000,000 | 384,000,000 | 529,000,000 | 536,000,000 | 581,000,000 | 579,000,000 | 425,000,000 | 525,000,000 | 581,000,000 | 494,000,000 | 370,000,000 | 535,000,000 | 43,000,000 | 353,000,000 | 160,000,000 | 370,000,000 | 450,000,000 | 354,000,000 | |||||||||||
net securities gains | -8,750,000 | -35,000,000 | -4,000,000 | 2,000,000 | 4,000,000 | 25,000,000 | 11,000,000 | 15,000,000 | 24,000,000 | -20,000,000 | -196,000,000 | -1,000,000 | 8,000,000 | ||||||||||||||||||||||||||||||||||||||||
benefit for credit losses | 2,416,000,000 | 1,669,000,000 | 1,085,000,000 | 677,000,000 | 381,000,000 | -342,000,000 | -1,160,000,000 | -823,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
issuance cost for redeemed preferred stock | -34,000,000 | -12,000,000 | -17,000,000 | -22,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
income from discontinued operations | 10,000 | 20,000 | -10,000 | -20,000 | 10,000 | -20,000 | -10,000 | 20,000 | -10,000 | 20,000 | 30,000 | -80,000 | -20,000 | 50,000 | -40,000 | -20,000 | -200,000 | -130,000 | -10,000 | -20,000 | -170,000 | -200,000 | -10,000 | -110,000 | -70,000 | -30,000 | |||||||||||||||||||||||||||
dividends declared and paid per common share | 300,000 | 400,000 | 400,000 | 400,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
total other-than-temporary impairment | -1,000,000 | -11,000,000 | -7,000,000 | -11,000,000 | -12,000,000 | -9,000,000 | -10,000,000 | -3,000,000 | -3,000,000 | -16,000,000 | -12,000,000 | -6,000,000 | |||||||||||||||||||||||||||||||||||||||||
less: portion of other-than-temporary impairment recorded in aoci | -1,000,000 | 3,000,000 | 4,000,000 | 6,000,000 | 5,000,000 | -6,000,000 | 1,000,000 | 2,000,000 | -2,000,000 | 2,000,000 | 5,000,000 | 8,000,000 | -19,000,000 | ||||||||||||||||||||||||||||||||||||||||
net other-than-temporary impairment recognized in earnings | -2,000,000 | -8,000,000 | -3,000,000 | -5,000,000 | -7,000,000 | -15,000,000 | -9,000,000 | -5,000,000 | -1,000,000 | -11,000,000 | -4,000,000 | -25,000,000 | |||||||||||||||||||||||||||||||||||||||||
dividends paid per common share | 400,000 | 400,000 | 400,000 | 400,000 | 400,000 | 400,000 | 300,000 | 300,000 | 300,000 | 300,000 | 300,000 | 300,000 | 300,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | |||||||||||||||||||||||||||||||
bargain purchase gain | 594,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
acquisition-related | 60,000,000 | 37,000,000 | 50,000,000 | 46,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
income from continuing operations | 1,485,000 | 1,910,000 | 2,090,000 | 1,940,000 | 1,420,000 | 2,050,000 | 330,000 | 2,940,000 | 840,000 | 1,890,000 | 2,070,000 | 2,270,000 | |||||||||||||||||||||||||||||||||||||||||
loans held for investment, including past-due fees | 3,202,750,000 | 4,901,000,000 | 4,255,000,000 | 3,655,000,000 | 3,440,000,000 | 3,550,000,000 | 3,367,000,000 | 3,417,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
total other-than-temporary losses | -6,750,000 | -2,000,000 | -21,000,000 | -4,000,000 | -48,000,000 | -33,000,000 | -27,000,000 | -23,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
portion of other-than-temporary losses recorded in aoci | -3,250,000 | -11,000,000 | 8,000,000 | -10,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
net other-than-temporary impairment losses recognized in earnings | -12,000,000 | -13,000,000 | -13,000,000 | -14,000,000 | -3,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
supplies and equipment | 133,500,000 | 209,000,000 | 178,000,000 | 150,000,000 | 137,000,000 | 143,000,000 | 124,000,000 | 135,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
occupancy | 103,250,000 | 145,000,000 | 145,000,000 | 123,000,000 | 131,000,000 | 122,000,000 | 118,000,000 | 119,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
merger related | 66,750,000 | 48,000,000 | 133,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
benefit from loan and lease losses | 861,000,000 | 622,000,000 | 343,000,000 | 534,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
net interest income after benefit from loan and lease losses | 2,321,000,000 | 2,661,000,000 | 2,793,000,000 | 2,606,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
servicing and securitizations | 9,000,000 | 12,000,000 | 12,000,000 | 11,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
less: non-credit component of other-than-temporary impairment losses recorded in aoci | 17,000,000 | 27,000,000 | 21,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
net other-than-temporary losses recognized in earnings | -3,750,000 | -6,000,000 | -6,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
investment | 316,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
less: non-credit component of other-than-temporary losses recorded in aoci | 20,000,000 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-03-31 | 2019-06-30 | 2019-03-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 | 2010-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets: | |||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents: | |||||||||||||||||||||||||||||||||||||||||||||||
cash and due from banks | 4,606,000,000 | 4,854,000,000 | 4,108,000,000 | 3,793,000,000 | 3,976,000,000 | 5,298,000,000 | 4,671,000,000 | 3,869,000,000 | 4,620,000,000 | 3,360,000,000 | 3,347,000,000 | 5,054,000,000 | 3,716,000,000 | 4,825,000,000 | 5,107,000,000 | 5,281,000,000 | 5,444,000,000 | 5,312,000,000 | 4,670,000,000 | 4,839,000,000 | 4,267,000,000 | 4,545,000,000 | 5,184,000,000 | 4,572,000,000 | 4,547,000,000 | 4,499,000,000 | 4,220,000,000 | 3,350,000,000 | 3,253,000,000 | 3,241,000,000 | 2,701,000,000 | 2,879,000,000 | 2,853,000,000 | 2,652,000,000 | 3,598,000,000 | 3,373,000,000 | 2,855,000,000 | 2,176,000,000 | 1,947,000,000 | 1,855,000,000 | 2,297,000,000 | 2,183,000,000 | 1,794,000,000 | 1,954,000,000 | 2,028,000,000 | 2,128,000,000 | |
interest-bearing deposits and other short-term investments | 50,673,000,000 | 54,255,000,000 | 44,465,000,000 | 45,322,000,000 | 40,116,000,000 | 46,357,000,000 | 40,249,000,000 | 38,236,000,000 | 43,166,000,000 | 21,176,000,000 | 16,728,000,000 | 21,697,000,000 | 21,180,000,000 | 29,534,000,000 | 45,825,000,000 | 39,839,000,000 | 20,391,000,000 | 9,927,000,000 | 12,897,000,000 | 6,335,000,000 | 7,774,000,000 | 9,788,000,000 | |||||||||||||||||||||||||
total cash and cash equivalents | 55,279,000,000 | 59,109,000,000 | 48,573,000,000 | 49,298,000,000 | 45,414,000,000 | 51,028,000,000 | 44,869,000,000 | 41,596,000,000 | 46,513,000,000 | 24,892,000,000 | 21,553,000,000 | 26,804,000,000 | 26,624,000,000 | 34,846,000,000 | 50,495,000,000 | 44,106,000,000 | 24,936,000,000 | 15,111,000,000 | 17,469,000,000 | 10,882,000,000 | 12,273,000,000 | 14,008,000,000 | 9,094,000,000 | 7,149,000,000 | 5,235,000,000 | 6,837,000,000 | 7,156,000,000 | 8,891,000,000 | 6,148,000,000 | 6,732,000,000 | 6,182,000,000 | 5,718,000,000 | 4,653,000,000 | 6,746,000,000 | |||||||||||||
restricted cash for securitization investors | 3,248,000,000 | 2,469,000,000 | 392,000,000 | 421,000,000 | 2,415,000,000 | 474,000,000 | 435,000,000 | 452,000,000 | 460,000,000 | 399,000,000 | 697,000,000 | 281,000,000 | 234,000,000 | 242,000,000 | 1,779,000,000 | 895,000,000 | 364,000,000 | 710,000,000 | 1,969,000,000 | 746,000,000 | 1,023,000,000 | 309,000,000 | 287,000,000 | 265,000,000 | 960,000,000 | 586,000,000 | 253,000,000 | 234,000,000 | 405,000,000 | 361,000,000 | 550,000,000 | 390,000,000 | 377,000,000 | 1,018,000,000 | 760,000,000 | 370,000,000 | 1,090,000,000 | 984,000,000 | 1,328,000,000 | 2,556,000,000 | |||||||
securities available for sale | 89,733,000,000 | 87,196,000,000 | 84,362,000,000 | 83,500,000,000 | 79,250,000,000 | 78,398,000,000 | 74,837,000,000 | 78,412,000,000 | 81,925,000,000 | 75,303,000,000 | 83,022,000,000 | 89,076,000,000 | 98,149,000,000 | 101,766,000,000 | 99,165,000,000 | 99,853,000,000 | 81,423,000,000 | 45,658,000,000 | 45,888,000,000 | 47,384,000,000 | 50,691,000,000 | 47,155,000,000 | |||||||||||||||||||||||||
loans held for investment: | |||||||||||||||||||||||||||||||||||||||||||||||
unsecuritized loans held for investment | 389,808,000,000 | 384,413,000,000 | 295,939,000,000 | 292,061,000,000 | 289,124,000,000 | 285,577,000,000 | 284,953,000,000 | 280,933,000,000 | 280,093,000,000 | 277,576,000,000 | 271,339,000,000 | 257,505,000,000 | 238,475,000,000 | 226,130,000,000 | 219,182,000,000 | 217,878,000,000 | 231,318,000,000 | 211,556,000,000 | 208,591,000,000 | 204,796,000,000 | 201,222,000,000 | 213,313,000,000 | 206,763,000,000 | 202,778,000,000 | 195,705,000,000 | 179,748,000,000 | 175,407,000,000 | 170,040,000,000 | 165,021,000,000 | 161,224,000,000 | 156,072,000,000 | 152,332,000,000 | 151,231,000,000 | ||||||||||||||
loans held in consolidated trusts | 53,351,000,000 | 54,884,000,000 | 27,659,000,000 | 28,182,000,000 | 29,062,000,000 | 29,577,000,000 | 29,827,000,000 | 30,390,000,000 | 28,743,000,000 | 26,367,000,000 | 25,045,000,000 | 22,961,000,000 | 22,915,000,000 | 23,467,000,000 | 23,949,000,000 | 30,345,000,000 | 31,672,000,000 | 32,904,000,000 | 31,682,000,000 | 33,965,000,000 | 34,902,000,000 | 34,943,000,000 | 31,256,000,000 | 31,825,000,000 | 31,908,000,000 | ||||||||||||||||||||||
total loans held for investment | 443,159,000,000 | 439,297,000,000 | 323,598,000,000 | 320,243,000,000 | 318,186,000,000 | 315,154,000,000 | 314,780,000,000 | 311,323,000,000 | 308,836,000,000 | 303,943,000,000 | 296,384,000,000 | 280,466,000,000 | 261,390,000,000 | 249,597,000,000 | 243,131,000,000 | 248,223,000,000 | 262,990,000,000 | 244,460,000,000 | 240,273,000,000 | 238,761,000,000 | 236,124,000,000 | 248,256,000,000 | 238,019,000,000 | 234,603,000,000 | 227,613,000,000 | 213,329,000,000 | 209,705,000,000 | 203,978,000,000 | 201,592,000,000 | 198,528,000,000 | 192,941,000,000 | 191,814,000,000 | 191,512,000,000 | 191,333,000,000 | 203,132,000,000 | 202,749,000,000 | 173,822,000,000 | 129,952,000,000 | 128,965,000,000 | 124,092,000,000 | 1,285,261,393,410,840,000 | ||||||
allowance for credit losses | -23,103,000,000 | -23,873,000,000 | -15,899,000,000 | -15,968,000,000 | -16,534,000,000 | -16,649,000,000 | -15,380,000,000 | -14,290,000,000 | -14,955,000,000 | -14,646,000,000 | -14,318,000,000 | -11,620,000,000 | -12,209,000,000 | -11,491,000,000 | -11,308,000,000 | -13,354,000,000 | -11,573,000,000 | -12,346,000,000 | -14,017,000,000 | -14,382,000,000 | -16,129,000,000 | -14,073,000,000 | |||||||||||||||||||||||||
net loans held for investment | 420,056,000,000 | 415,424,000,000 | 307,699,000,000 | 303,709,000,000 | 301,537,000,000 | 299,774,000,000 | 299,825,000,000 | 296,677,000,000 | 294,518,000,000 | 291,734,000,000 | 284,893,000,000 | 269,158,000,000 | 249,817,000,000 | 237,251,000,000 | 229,114,000,000 | 232,094,000,000 | 248,917,000,000 | 237,327,000,000 | 232,960,000,000 | 231,542,000,000 | 228,756,000,000 | 240,689,000,000 | 231,761,000,000 | 228,722,000,000 | 222,197,000,000 | 208,482,000,000 | 205,029,000,000 | 199,573,000,000 | 197,380,000,000 | 194,530,000,000 | 188,843,000,000 | 187,481,000,000 | 187,105,000,000 | 186,727,000,000 | 197,978,000,000 | 197,751,000,000 | 169,762,000,000 | 125,672,000,000 | 124,477,000,000 | 119,025,000,000 | |||||||
loans held for sale | 670,000,000 | 198,000,000 | 686,000,000 | 96,000,000 | 808,000,000 | 1,631,000,000 | 742,000,000 | 1,211,000,000 | 363,000,000 | 1,729,000,000 | 875,000,000 | 1,155,000,000 | 6,300,000,000 | 6,522,000,000 | 2,896,000,000 | 3,433,000,000 | 1,056,000,000 | ||||||||||||||||||||||||||||||
premises and equipment | 5,576,000,000 | 5,687,000,000 | 4,579,000,000 | 4,409,000,000 | 4,440,000,000 | 4,396,000,000 | 4,366,000,000 | 4,373,000,000 | 4,378,000,000 | 4,359,000,000 | 4,365,000,000 | 4,265,000,000 | 4,265,000,000 | 4,238,000,000 | 4,238,000,000 | 4,257,000,000 | 4,204,000,000 | 4,227,000,000 | 4,277,000,000 | 4,334,000,000 | 4,333,000,000 | 4,336,000,000 | 4,243,000,000 | 4,205,000,000 | 4,149,000,000 | 4,095,000,000 | 4,055,000,000 | 3,561,000,000 | 3,556,000,000 | 3,542,000,000 | 3,629,000,000 | 3,602,000,000 | 3,684,000,000 | 3,752,000,000 | 3,764,000,000 | 3,807,000,000 | 3,792,000,000 | 3,766,000,000 | 3,736,000,000 | 3,519,000,000 | 3,556,000,000 | 3,062,000,000 | 2,785,000,000 | 2,754,000,000 | 2,739,000,000 | 2,718,000,000 | |
interest receivable | 3,456,000,000 | 3,373,000,000 | 2,599,000,000 | 2,577,000,000 | 2,494,000,000 | 2,514,000,000 | 2,469,000,000 | 2,297,000,000 | 2,250,000,000 | 1,853,000,000 | 1,611,000,000 | 1,479,000,000 | 1,418,000,000 | 1,372,000,000 | 1,380,000,000 | 1,551,000,000 | 1,687,000,000 | 1,544,000,000 | 1,615,000,000 | 1,518,000,000 | 1,493,000,000 | 1,496,000,000 | 1,251,000,000 | 1,236,000,000 | 1,221,000,000 | 1,101,000,000 | 1,056,000,000 | 1,078,000,000 | 1,268,000,000 | 1,473,000,000 | 1,325,000,000 | 1,304,000,000 | 1,454,000,000 | 1,378,000,000 | 1,614,000,000 | 1,623,000,000 | 1,157,000,000 | 958,000,000 | 1,027,000,000 | 1,025,000,000 | |||||||
goodwill | 28,863,000,000 | 28,335,000,000 | 15,070,000,000 | 15,083,000,000 | 15,062,000,000 | 15,062,000,000 | 15,048,000,000 | 15,060,000,000 | 14,779,000,000 | 14,771,000,000 | 14,778,000,000 | 14,784,000,000 | 14,652,000,000 | 14,654,000,000 | 14,654,000,000 | 14,648,000,000 | 14,645,000,000 | 14,545,000,000 | 14,546,000,000 | 14,513,000,000 | 14,531,000,000 | 14,536,000,000 | 14,493,000,000 | 14,495,000,000 | 14,492,000,000 | 13,983,000,000 | 13,984,000,000 | 13,978,000,000 | 13,970,000,000 | 13,977,000,000 | 13,974,000,000 | 13,906,000,000 | 13,900,000,000 | 13,900,000,000 | 13,901,000,000 | 13,864,000,000 | 13,595,000,000 | 13,593,000,000 | 13,596,000,000 | 13,597,000,000 | |||||||
other intangible assets | 17,042,000,000 | 18,157,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
other assets | 29,957,000,000 | 30,904,000,000 | 29,644,000,000 | 34,736,000,000 | 27,309,000,000 | 28,642,000,000 | 28,473,000,000 | 32,617,000,000 | 28,832,000,000 | 27,736,000,000 | 26,487,000,000 | 36,193,000,000 | 29,286,000,000 | 28,621,000,000 | 27,220,000,000 | 39,001,000,000 | 23,979,000,000 | 22,540,000,000 | 21,415,000,000 | 38,034,000,000 | 20,970,000,000 | 19,514,000,000 | 17,177,000,000 | 17,131,000,000 | 16,142,000,000 | 16,183,000,000 | 16,036,000,000 | 17,090,000,000 | 17,394,000,000 | 16,276,000,000 | 15,374,000,000 | 15,560,000,000 | 14,893,000,000 | 15,005,000,000 | 14,970,000,000 | 26,752,000,000 | |||||||||||
assets of discontinued operations | 7,997,000,000 | 8,116,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
total assets | 661,877,000,000 | 658,968,000,000 | 493,604,000,000 | 480,451,000,000 | 486,433,000,000 | 480,018,000,000 | 481,720,000,000 | 467,807,000,000 | 471,435,000,000 | 467,800,000,000 | 471,660,000,000 | 440,538,000,000 | 444,232,000,000 | 440,288,000,000 | 434,195,000,000 | 424,521,000,000 | 425,377,000,000 | 423,420,000,000 | 425,175,000,000 | 411,187,000,000 | 421,883,000,000 | 396,878,000,000 | 373,619,000,000 | 373,191,000,000 | 362,909,000,000 | 363,989,000,000 | 362,857,000,000 | 345,061,000,000 | 339,117,000,000 | 330,346,000,000 | 313,700,000,000 | 310,510,000,000 | 306,224,000,000 | 300,202,000,000 | 298,317,000,000 | 290,500,000,000 | 289,888,000,000 | 296,542,000,000 | 300,163,000,000 | 301,989,000,000 | 296,572,000,000 | 294,481,000,000 | 200,148,000,000 | 199,753,000,000 | 199,300,000,000 | 200,114,000,000 | |
liabilities: | |||||||||||||||||||||||||||||||||||||||||||||||
interest payable | 826,000,000 | 888,000,000 | 646,000,000 | 705,000,000 | 668,000,000 | 762,000,000 | 685,000,000 | 637,000,000 | 621,000,000 | 433,000,000 | 333,000,000 | 261,000,000 | 241,000,000 | 301,000,000 | 288,000,000 | 332,000,000 | 359,000,000 | 437,000,000 | 382,000,000 | 391,000,000 | 450,000,000 | 353,000,000 | 237,000,000 | 301,000,000 | 217,000,000 | 198,000,000 | 262,000,000 | 195,000,000 | 249,000,000 | 309,000,000 | 259,000,000 | 276,000,000 | 324,000,000 | 310,000,000 | 368,000,000 | 462,000,000 | 384,000,000 | 401,000,000 | 469,000,000 | 411,000,000 | |||||||
deposits: | |||||||||||||||||||||||||||||||||||||||||||||||
non-interest-bearing deposits | 27,649,000,000 | 27,879,000,000 | 26,500,000,000 | 26,871,000,000 | 26,378,000,000 | 27,005,000,000 | 27,617,000,000 | 29,817,000,000 | 28,794,000,000 | 29,312,000,000 | 31,186,000,000 | 36,343,000,000 | 34,391,000,000 | 37,004,000,000 | 37,781,000,000 | 34,897,000,000 | 36,804,000,000 | 34,994,000,000 | 34,003,000,000 | 27,556,000,000 | 29,633,000,000 | 24,547,000,000 | 23,374,000,000 | 24,908,000,000 | 24,839,000,000 | 25,620,000,000 | 26,176,000,000 | 25,565,000,000 | 25,424,000,000 | ||||||||||||||||||
interest-bearing deposits | 441,136,000,000 | 440,231,000,000 | 340,964,000,000 | 324,297,000,000 | 327,253,000,000 | 324,437,000,000 | 323,352,000,000 | 313,737,000,000 | 317,217,000,000 | 314,393,000,000 | 318,641,000,000 | 277,208,000,000 | 282,802,000,000 | 270,881,000,000 | 275,648,000,000 | 2,715,009,560,350,000 | 269,134,000,000 | 271,314,000,000 | 276,325,000,000 | 26,327,921,650,820,000 | 276,092,000,000 | 245,142,000,000 | 231,161,000,000 | 230,199,000,000 | 222,356,000,000 | 222,605,000,000 | 224,671,000,000 | 200,416,000,000 | 195,635,000,000 | 196,597,000,000 | 187,848,000,000 | 183,657,000,000 | 185,208,000,000 | 178,876,000,000 | 180,970,000,000 | 184,214,000,000 | |||||||||||
total deposits | 468,785,000,000 | 468,110,000,000 | 367,464,000,000 | 353,631,000,000 | 351,442,000,000 | 350,969,000,000 | 346,011,000,000 | 343,705,000,000 | 349,827,000,000 | 317,193,000,000 | 307,885,000,000 | 313,429,000,000 | 305,938,000,000 | 306,308,000,000 | 310,328,000,000 | 305,725,000,000 | 269,689,000,000 | 254,535,000,000 | 255,107,000,000 | 247,195,000,000 | 248,225,000,000 | 250,847,000,000 | 225,981,000,000 | 221,059,000,000 | 221,779,000,000 | 212,903,000,000 | 208,780,000,000 | 210,440,000,000 | 204,264,000,000 | 10,474,314,651,400,000 | |||||||||||||||||
securitized debt obligations | 13,642,000,000 | 14,658,000,000 | 11,716,000,000 | 16,507,000,000 | 15,881,000,000 | 17,291,000,000 | 17,661,000,000 | 17,675,000,000 | 17,417,000,000 | 17,861,000,000 | 17,813,000,000 | 15,603,000,000 | 15,926,000,000 | 17,466,000,000 | 13,740,000,000 | 123,361,190,960,000 | 12,635,000,000 | 10,561,000,000 | 12,071,000,000 | 155,332,321,490,000 | 13,566,000,000 | 17,141,000,000 | 16,959,000,000 | 19,273,000,000 | 18,649,000,000 | 19,649,000,000 | 18,665,000,000 | 18,411,000,000 | 16,130,000,000 | 14,913,000,000 | 15,656,000,000 | 13,785,000,000 | 12,717,000,000 | 10,508,000,000 | 10,010,000,000 | 9,783,000,000 | 9,544,000,000 | 10,831,000,000 | 11,046,000,000 | 12,686,000,000 | 13,608,000,000 | 15,474,000,000 | 17,120,000,000 | 19,860,000,000 | 24,506,000,000 | ||
other debt: | |||||||||||||||||||||||||||||||||||||||||||||||
federal funds purchased and securities loaned or sold under agreements to repurchase | 616,000,000 | 742,000,000 | 573,000,000 | 520,000,000 | 715,000,000 | 568,000,000 | 522,000,000 | 649,000,000 | 542,000,000 | 528,000,000 | 440,000,000 | 594,000,000 | 825,000,000 | 845,000,000 | 842,000,000 | 702,000,000 | 399,000,000 | 359,000,000 | 335,000,000 | 384,000,000 | 553,000,000 | 656,000,000 | 1,079,000,000 | 999,000,000 | 917,000,000 | 1,021,000,000 | 1,888,000,000 | 933,000,000 | 2,330,000,000 | 2,030,000,000 | 1,544,000,000 | 1,686,000,000 | 1,766,000,000 | 855,000,000 | 967,000,000 | 1,101,000,000 | 770,000,000 | 1,441,000,000 | 2,575,000,000 | 1,970,000,000 | |||||||
senior and subordinated notes | 36,662,000,000 | 36,706,000,000 | 29,459,000,000 | 31,529,000,000 | 32,911,000,000 | 29,925,000,000 | 32,108,000,000 | 31,109,000,000 | 31,283,000,000 | 31,627,000,000 | 30,398,000,000 | 29,286,000,000 | 30,615,000,000 | 30,489,000,000 | 26,976,000,000 | 255,304,881,910,000 | 23,983,000,000 | 24,878,000,000 | 25,467,000,000 | 296,216,792,290,000 | 28,448,000,000 | 32,049,000,000 | 31,822,000,000 | 30,645,000,000 | 31,291,000,000 | 32,920,000,000 | 31,051,000,000 | 24,001,000,000 | 21,872,000,000 | 21,736,000,000 | 21,773,000,000 | 19,987,000,000 | 20,559,000,000 | 18,534,000,000 | 16,628,000,000 | 14,891,000,000 | 12,395,000,000 | 12,406,000,000 | 13,255,000,000 | 11,756,000,000 | 12,079,000,000 | 11,948,000,000 | 11,051,000,000 | 8,664,000,000 | 8,545,000,000 | 85,712,763,220,000 | |
other borrowings | 562,000,000 | 560,000,000 | 25,000,000 | 24,000,000 | 25,000,000 | 24,000,000 | 25,000,000 | 121,000,000 | 24,000,000 | 7,538,000,000 | 10,543,000,000 | 4,048,000,000 | 58,000,000 | 59,000,000 | 70,000,000 | 79,000,000 | 6,092,000,000 | 93,000,000 | 105,000,000 | 1,881,000,000 | 188,000,000 | 321,000,000 | 16,329,000,000 | 20,180,000,000 | 12,931,000,000 | 4,328,000,000 | 10,106,000,000 | 6,820,000,000 | 10,871,000,000 | 10,446,000,000 | 3,900,000,000 | 8,220,000,000 | 11,228,000,000 | 12,336,000,000 | 12,968,000,000 | 9,086,000,000 | 4,693,000,000 | 4,703,000,000 | 6,636,000,000 | 4,776,000,000 | |||||||
total other debt | 37,840,000,000 | 38,008,000,000 | 30,057,000,000 | 33,455,000,000 | 30,665,000,000 | 32,700,000,000 | 31,830,000,000 | 32,397,000,000 | 30,964,000,000 | 38,681,000,000 | 41,472,000,000 | 31,618,000,000 | 24,866,000,000 | 25,782,000,000 | 26,379,000,000 | 29,229,000,000 | 38,540,000,000 | 32,274,000,000 | 31,085,000,000 | 33,556,000,000 | 33,661,000,000 | 32,028,000,000 | 41,409,000,000 | 43,051,000,000 | 35,584,000,000 | 27,122,000,000 | 31,981,000,000 | 28,312,000,000 | 31,735,000,000 | 29,104,000,000 | 20,335,000,000 | 22,301,000,000 | 25,400,000,000 | 26,446,000,000 | 25,691,000,000 | 22,266,000,000 | 17,411,000,000 | 17,195,000,000 | 17,875,000,000 | 15,291,000,000 | |||||||
other liabilities | 26,941,000,000 | 26,316,000,000 | 20,179,000,000 | 19,024,000,000 | 19,836,000,000 | 21,971,000,000 | 21,827,000,000 | 17,880,000,000 | 21,824,000,000 | 18,641,000,000 | 17,782,000,000 | 19,173,000,000 | 21,138,000,000 | 19,722,000,000 | 18,802,000,000 | 15,441,000,000 | 18,153,000,000 | 15,844,000,000 | 14,921,000,000 | 14,115,000,000 | 14,607,000,000 | 14,319,000,000 | 13,647,000,000 | 13,863,000,000 | 12,480,000,000 | 12,078,000,000 | 11,761,000,000 | 10,810,000,000 | 10,468,000,000 | 10,146,000,000 | 10,136,000,000 | 9,043,000,000 | 8,830,000,000 | 9,428,000,000 | 9,189,000,000 | 8,998,000,000 | 9,183,000,000 | 9,081,000,000 | 8,655,000,000 | 10,317,000,000 | 9,113,000,000 | 7,734,000,000 | 7,736,000,000 | 6,751,000,000 | 6,096,000,000 | 6,105,000,000 | |
liabilities of discontinued operations | 30,000,000 | 32,000,000 | |||||||||||||||||||||||||||||||||||||||||||||
total liabilities | 548,064,000,000 | 548,012,000,000 | 430,062,000,000 | 420,652,000,000 | 423,508,000,000 | 422,037,000,000 | 423,919,000,000 | 412,612,000,000 | 417,767,000,000 | 413,241,000,000 | 417,007,000,000 | 385,413,000,000 | 393,371,000,000 | 386,878,000,000 | 377,850,000,000 | 361,965,000,000 | 361,833,000,000 | 358,796,000,000 | 363,987,000,000 | 352,986,000,000 | 363,459,000,000 | 340,048,000,000 | 317,852,000,000 | 319,710,000,000 | 312,271,000,000 | 314,063,000,000 | 313,654,000,000 | 296,848,000,000 | 291,009,000,000 | 282,639,000,000 | 266,015,000,000 | 263,851,000,000 | 260,494,000,000 | 256,184,000,000 | 254,502,000,000 | 247,699,000,000 | 248,138,000,000 | 255,501,000,000 | 258,867,000,000 | 262,317,000,000 | 259,380,000,000 | 257,531,000,000 | 170,770,000,000 | 171,072,000,000 | 171,750,000,000 | 175,173,000,000 | |
commitments, contingencies and guarantees | |||||||||||||||||||||||||||||||||||||||||||||||
stockholders’ equity: | |||||||||||||||||||||||||||||||||||||||||||||||
preferred stock | |||||||||||||||||||||||||||||||||||||||||||||||
common stock | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | |||||||
additional paid-in capital | 63,725,000,000 | 63,465,000,000 | 36,693,000,000 | 36,216,000,000 | 36,012,000,000 | 35,808,000,000 | 35,334,000,000 | 35,163,000,000 | 34,952,000,000 | 34,579,000,000 | 34,425,000,000 | 34,286,000,000 | 35,051,000,000 | 35,472,000,000 | 33,671,000,000 | 33,793,000,000 | 33,450,000,000 | 32,262,000,000 | 32,160,000,000 | 31,978,000,000 | 31,868,000,000 | 31,779,000,000 | 30,439,000,000 | 29,786,000,000 | 29,709,000,000 | 29,594,000,000 | 29,063,000,000 | 27,939,000,000 | 27,272,000,000 | 27,210,000,000 | 26,605,000,000 | 26,426,000,000 | 26,339,000,000 | 26,256,000,000 | |||||||||||||
retained earnings | 63,624,000,000 | 60,892,000,000 | 65,616,000,000 | 63,698,000,000 | 62,211,000,000 | 61,905,000,000 | 60,529,000,000 | 59,028,000,000 | 57,898,000,000 | 56,240,000,000 | 54,836,000,000 | 53,099,000,000 | 48,944,000,000 | 46,461,000,000 | 43,167,000,000 | 37,653,000,000 | 36,552,000,000 | 38,386,000,000 | 37,030,000,000 | 34,883,000,000 | 33,626,000,000 | 31,996,000,000 | 29,245,000,000 | 28,479,000,000 | 27,808,000,000 | 26,407,000,000 | 25,540,000,000 | 24,925,000,000 | 23,162,000,000 | 22,270,000,000 | 21,259,000,000 | 19,731,000,000 | 18,804,000,000 | 17,876,000,000 | 16,054,000,000 | 14,905,000,000 | 14,841,000,000 | 13,091,000,000 | 12,287,000,000 | 11,399,000,000 | |||||||
accumulated other comprehensive loss | -5,917,000,000 | -6,819,000,000 | -7,529,000,000 | -6,287,000,000 | -9,701,000,000 | -9,534,000,000 | -12,224,000,000 | -9,818,000,000 | -8,540,000,000 | -660,000,000 | -1,877,000,000 | -1,793,000,000 | -1,599,000,000 | -41,000,000 | -142,000,000 | -397,000,000 | -212,000,000 | ||||||||||||||||||||||||||||||
treasury stock | -7,626,000,000 | -6,589,000,000 | -31,245,000,000 | -30,709,000,000 | -30,548,000,000 | -30,385,000,000 | -29,978,000,000 | -29,821,000,000 | -29,664,000,000 | -29,261,000,000 | -28,942,000,000 | -26,954,000,000 | -21,818,000,000 | -19,108,000,000 | -17,440,000,000 | -16,862,000,000 | -16,858,000,000 | -15,058,000,000 | -15,056,000,000 | -14,353,000,000 | -13,782,000,000 | -12,980,000,000 | -11,599,000,000 | -10,405,000,000 | -9,776,000,000 | -8,180,000,000 | -7,553,000,000 | -6,928,000,000 | -5,863,000,000 | -5,300,000,000 | |||||||||||||||||
total stockholders’ equity | 113,813,000,000 | 110,956,000,000 | 63,542,000,000 | 62,925,000,000 | 57,981,000,000 | 57,801,000,000 | 53,668,000,000 | 54,559,000,000 | 54,653,000,000 | 50,861,000,000 | 53,410,000,000 | 56,345,000,000 | 63,544,000,000 | 64,624,000,000 | 61,188,000,000 | 58,424,000,000 | 56,830,000,000 | 55,767,000,000 | 53,481,000,000 | 50,638,000,000 | 49,926,000,000 | 49,203,000,000 | 48,213,000,000 | 48,108,000,000 | 47,707,000,000 | 47,685,000,000 | 46,659,000,000 | 45,730,000,000 | 44,018,000,000 | 43,815,000,000 | 42,801,000,000 | 41,750,000,000 | 41,041,000,000 | 41,296,000,000 | 39,672,000,000 | 37,192,000,000 | 36,950,000,000 | 29,666,000,000 | 29,378,000,000 | 28,681,000,000 | 27,550,000,000 | ||||||
total liabilities and stockholders’ equity | 661,877,000,000 | 658,968,000,000 | 493,604,000,000 | 480,451,000,000 | 486,433,000,000 | 480,018,000,000 | 481,720,000,000 | 467,807,000,000 | 471,435,000,000 | 467,800,000,000 | 471,660,000,000 | 440,538,000,000 | 444,232,000,000 | 440,288,000,000 | 434,195,000,000 | 424,521,000,000 | 425,377,000,000 | 423,420,000,000 | 425,175,000,000 | 411,187,000,000 | 421,883,000,000 | 396,878,000,000 | 373,619,000,000 | 373,191,000,000 | 362,909,000,000 | 363,989,000,000 | 362,857,000,000 | 345,061,000,000 | 339,117,000,000 | 330,346,000,000 | 313,700,000,000 | 310,510,000,000 | 306,224,000,000 | 300,202,000,000 | 298,317,000,000 | 290,500,000,000 | 289,888,000,000 | 296,542,000,000 | 300,163,000,000 | 301,989,000,000 | 296,572,000,000 | 294,481,000,000 | 200,148,000,000 | 199,753,000,000 | 199,300,000,000 | 200,114,000,000 | |
interest-earning assets: | |||||||||||||||||||||||||||||||||||||||||||||||
loans: | |||||||||||||||||||||||||||||||||||||||||||||||
credit card | 153,115,000,000 | 141,675,000,000 | 121,055,000,000 | 1,060,161,547,414,600,000 | 1,106,341,557,514,080,100 | ||||||||||||||||||||||||||||||||||||||||||
consumer banking | 75,974,000,000 | 77,514,000,000 | 80,511,000,000 | 7,387,458,047,860,000 | 6,629,955,518,370,000 | ||||||||||||||||||||||||||||||||||||||||||
commercial banking | 89,007,000,000 | 92,984,000,000 | 92,273,000,000 | 7,743,821,192,740,000 | 7,796,824,383,130,000 | ||||||||||||||||||||||||||||||||||||||||||
other | 14,689,000,000 | 15,709,000,000 | 16,437,000,000 | 16,280,000,000 | 16,597,000,000 | 16,997,000,000 | 13,626,000,000 | -2,000,000 | 10,985,000,000 | 10,268,000,000 | 10,592,000,000 | ||||||||||||||||||||||||||||||||||||
total loans, including loans held for sale | 318,096,000,000 | 312,173,000,000 | 293,839,000,000 | 257,328,242,639,429,980 | 254,901,240,749,440,000 | ||||||||||||||||||||||||||||||||||||||||||
investment securities | 90,250,000,000 | 89,105,000,000 | 90,608,000,000 | 9,839,414,461,470,000 | 8,722,218,772,150,000 | 3,948,913,423,400,000 | |||||||||||||||||||||||||||||||||||||||||
cash equivalents and other interest-earning assets | 45,135,000,000 | 39,960,000,000 | 22,199,000,000 | 33,614,600,180,000 | 36,239,820,230,000 | ||||||||||||||||||||||||||||||||||||||||||
total interest-earning assets | 453,481,000,000 | 441,238,000,000 | 406,646,000,000 | 389,336,257,696,619,970 | 378,362,260,336,880,000 | 175,730,153,538,740,000 | |||||||||||||||||||||||||||||||||||||||||
liabilities and stockholders’ equity: | |||||||||||||||||||||||||||||||||||||||||||||||
interest-bearing liabilities: | |||||||||||||||||||||||||||||||||||||||||||||||
other borrowings and interest-bearing liabilities | 2,424,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total interest-bearing liabilities | 374,757,000,000 | 364,915,000,000 | 329,897,000,000 | 31,162,715,980,510,000 | 31,131,531,201,000,000 | 15,435,328,961,880,000 | |||||||||||||||||||||||||||||||||||||||||
stockholders’ equity | 59,799,000,000 | 55,195,000,000 | 55,125,000,000 | 62,556,000,000 | 58,201,000,000 | 24,941,000,000 | |||||||||||||||||||||||||||||||||||||||||
net interest income/spread | 31,208,000,000 | 29,241,000,000 | 27,114,000,000 | 241,716,110,000 | 229,135,880,000 | 124,576,860,000 | |||||||||||||||||||||||||||||||||||||||||
impact of non-interest-bearing funding | 680,000 | 600,000 | 240,000 | 100,000 | 180,000 | ||||||||||||||||||||||||||||||||||||||||||
net interest margin | 6,880,000 | 6,630,000 | 6,670,000 | 6,210,000 | 6,060,000 | 7,090,000 | |||||||||||||||||||||||||||||||||||||||||
other borrowings and liabilities | 2,394,000,000 | 7,800,000,000 | 2,261,351,570,000 | 2,882,441,550,000 | |||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income | -10,704,000,000 | -6,916,000,000 | -4,093,000,000 | 1,360,000,000 | 1,792,000,000 | 1,783,000,000 | 3,833,000,000 | 3,679,000,000 | 170,000,000 | 121,000,000 | 241,000,000 | -559,000,000 | -371,000,000 | -839,000,000 | -792,000,000 | 473,000,000 | 781,000,000 | 350,000,000 | 253,000,000 | 291,000,000 | 442,000,000 | 245,000,000 | |||||||||||||||||||||||||
investment securities: | |||||||||||||||||||||||||||||||||||||||||||||||
securities held to maturity | 35,475,000,000 | 36,503,000,000 | 34,631,000,000 | 33,464,000,000 | 23,075,000,000 | ||||||||||||||||||||||||||||||||||||||||||
total investment securities | 81,133,000,000 | 82,391,000,000 | 82,015,000,000 | 84,155,000,000 | 70,230,000,000 | ||||||||||||||||||||||||||||||||||||||||||
allowance for loan and lease losses | -7,133,000,000 | -7,313,000,000 | -7,219,000,000 | -7,368,000,000 | -7,567,000,000 | -6,258,000,000 | -5,881,000,000 | -5,416,000,000 | -4,847,000,000 | -4,676,000,000 | -4,405,000,000 | -4,212,000,000 | -3,998,000,000 | -7,257,000,000 | |||||||||||||||||||||||||||||||||
loans held for sale, at lower of cost or fair value | 1,829,000,000 | 905,000,000 | 1,402,000,000 | 1,480,000,000 | 1,498,000,000 | 994,000,000 | 1,220,000,000 | 1,251,000,000 | 566,000,000 | 1,066,000,000 | 1,331,000,000 | 427,000,000 | 709,000,000 | 259,000,000 | 180,000,000 | 6,248,000,000 | 6,410,000,000 | ||||||||||||||||||||||||||||||
interest-bearing deposits with banks | 5,744,000,000 | 3,840,000,000 | 1,909,000,000 | 3,952,000,000 | 4,275,000,000 | 6,038,000,000 | 3,212,000,000 | 2,954,000,000 | 2,641,000,000 | 2,481,000,000 | 2,279,000,000 | 4,563,000,000 | 3,860,000,000 | 3,352,000,000 | 28,165,000,000 | 3,238,000,000 | 4,037,000,000 | 5,397,000,000 | |||||||||||||||||||||||||||||
securities available for sale, at fair value | 41,511,000,000 | 39,960,000,000 | 40,092,000,000 | 39,431,000,000 | 39,136,000,000 | 39,321,000,000 | 39,665,000,000 | 41,113,000,000 | 40,721,000,000 | 43,132,000,000 | 62,602,000,000 | 63,968,000,000 | 61,464,000,000 | 55,289,000,000 | 60,810,000,000 | 38,400,000,000 | 39,474,000,000 | 41,566,000,000 | |||||||||||||||||||||||||||||
securities held to maturity, at carrying value | 25,019,000,000 | 25,120,000,000 | 25,080,000,000 | 23,711,000,000 | 23,668,000,000 | 23,241,000,000 | 22,182,000,000 | 20,688,000,000 | 20,150,000,000 | 18,276,000,000 | |||||||||||||||||||||||||||||||||||||
federal funds sold and securities purchased under agreements to resell | 56,000,000 | 85,000,000 | 184,000,000 | 2,000,000 | 284,000,000 | 180,000,000 | 168,000,000 | 382,000,000 | 198,000,000 | 236,000,000 | 254,000,000 | 330,000,000 | 308,000,000 | 1,326,000,000 | 652,000,000 | 546,000,000 | |||||||||||||||||||||||||||||||
non-interest bearing deposits | 25,182,000,000 | 25,055,000,000 | 25,123,000,000 | 25,232,000,000 | 25,388,000,000 | 24,920,000,000 | 24,110,000,000 | 22,281,000,000 | 22,097,000,000 | 21,317,000,000 | 20,767,000,000 | 20,072,000,000 | 19,274,000,000 | 17,541,000,000 | 16,839,000,000 | 16,349,000,000 | 14,267,000,000 | ||||||||||||||||||||||||||||||
restricted loans for securitization investors | 33,581,000,000 | 34,298,000,000 | 33,938,000,000 | 36,571,000,000 | 37,304,000,000 | 36,869,000,000 | 39,482,000,000 | 40,281,000,000 | 40,612,000,000 | 43,913,000,000 | 44,069,000,000 | 44,895,000,000 | 46,942,000,000 | 47,380,000,000 | 48,908,000,000 | ||||||||||||||||||||||||||||||||
customer deposits: | |||||||||||||||||||||||||||||||||||||||||||||||
total customer deposits | 205,890,000,000 | 208,324,000,000 | 206,834,000,000 | 209,865,000,000 | 212,410,000,000 | 213,255,000,000 | 213,931,000,000 | 216,528,000,000 | 128,318,000,000 | 126,117,000,000 | 125,446,000,000 | ||||||||||||||||||||||||||||||||||||
less: allowance for loan and lease losses | -4,098,000,000 | -4,333,000,000 | -4,407,000,000 | -4,606,000,000 | -5,154,000,000 | -4,998,000,000 | -4,060,000,000 | -4,280,000,000 | -4,488,000,000 | -5,067,000,000 | |||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; 50,000,000 shares authorized; 875,000 shares issued and outstanding as of march 31, 2014 and december 31, 2013 | |||||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive losses | -710,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; par value .01 per share; 65,042,260 and 64,476,425 shares as of march 31, 2014 and december 31, 2013, respectively | -4,359,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
interest bearing deposits | 184,553,000,000 | 187,768,000,000 | 191,093,000,000 | 192,488,000,000 | 193,859,000,000 | 197,254,000,000 | 110,777,000,000 | 109,278,000,000 | 109,097,000,000 | ||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; 50,000,000 shares authorized; 875,000 shares issued and outstanding as of september 30, 2013 and december 31, 2012 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; par value .01 per share; 53,877,453 and 49,599,452 shares as of september 30, 2013 and december 31, 2012, respectively | -3,574,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; 50,000,000 shares authorized; 875,000 shares issued and outstanding as of june 30, 2013 and december 31, 2012 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; par value .01 per share; 50,114,282 and 49,599,452 shares as of june 30, 2013 and december 31, 2012, respectively | -3,316,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
unsecuritized loans held for investment, at amortized cost | 150,721,000,000 | 159,219,000,000 | 158,680,000,000 | 128,927,000,000 | 83,010,000,000 | 81,585,000,000 | 75,184,000,000 | ||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; 50,000,000 shares authorized; 875,000 shares issued and outstanding as of march 31, 2013 and december 31, 2012 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; par value .01 per share; 50,098,318 and 49,599,452 shares as of march 31, 2013 and december 31, 2012, respectively | -3,315,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 5,969,000,000 | 5,979,000,000 | 30,656,000,000 | 6,358,000,000 | 6,643,000,000 | 7,971,000,000 | |||||||||||||||||||||||||||||||||||||||||
loans held for sale, at lower-of-cost-or-fair value | 187,000,000 | 1,047,000,000 | 627,000,000 | 312,000,000 | 80,000,000 | 117,000,000 | |||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; 50,000,000 shares authorized; 875,000 shares and zero shares issued and outstanding as of september 30, 2012 and december 31, 2011, respectively | 853,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
paid-in capital | 25,265,000,000 | 25,217,000,000 | 25,136,000,000 | 19,234,000,000 | 19,188,000,000 | 19,141,000,000 | |||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 49,585,851 and 48,647,091 shares as of september 30, 2012 and december 31, 2011, respectively | -3,287,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
accounts receivable from securitizations | 96,000,000 | 96,000,000 | 101,000,000 | 106,000,000 | 112,000,000 | ||||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; authorized 50,000,000 shares; zero shares issued or outstanding as of june 30, 2012 and december 31, 2011 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 49,571,662 and 48,647,091 shares as of june 30, 2012 and december 31, 2011, respectively | -3,286,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; authorized 50,000,000 shares; zero shares issued or outstanding as of march 31, 2012 and december 31, 2011 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 49,576,117 and 48,647,091 shares as of march 31, 2012 and december 31, 2011, respectively | -3,286,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
less: net unrealized gains recorded in aoci | -289,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
net incomees on cash flow hedges recorded in aoci | 71,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
disallowed goodwill and other intangible assets | -13,855,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
disallowed deferred tax assets | -534,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
tier 1 common equity | 15,057,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
plus: tier 1 restricted core capital items | 3,635,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
tier 1 risk-based capital | 18,692,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
plus: long-term debt qualifying as tier 2 capital | 2,438,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
qualifying allowance for loan and lease losses | 1,979,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
other tier 2 components | 23,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
tier 2 risk-based capital | 4,440,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total risk-based capital | 23,132,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
risk-weighted assets | 155,657,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
calculated under capital standards and regulations based on the international capital framework commonly known as basel i. | |||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; authorized 50,000,000 shares; zero shares issued or outstanding as of september 30, 2011 and december 31, 2010 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 48,622,469 and 47,787,697 shares as of september 30, 2011 and december 31, 2010, respectively | -3,243,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
preferred stock, par value .01 per share; authorized 50,000,000 shares; zero shares issued or outstanding as of june 30, 2011 and december 31, 2010 | |||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 48,582,348 and 47,787,697 shares as of june 30, 2011 and december 31, 2010, respectively | -3,241,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
less: treasury stock, at cost; 48,567,602 and 47,787,697 shares as of march 31, 2011 and december 31, 2010, respectively | -3,240,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
consumer loans: | |||||||||||||||||||||||||||||||||||||||||||||||
domestic | 914,511,144,412,510,000 | ||||||||||||||||||||||||||||||||||||||||||||||
international | 7,499,121,216,160,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total consumer loans | 989,501,265,612,790,000 | ||||||||||||||||||||||||||||||||||||||||||||||
commercial loans | 2,957,612,784,320,000 | ||||||||||||||||||||||||||||||||||||||||||||||
other interest-earning assets: | |||||||||||||||||||||||||||||||||||||||||||||||
total other | 7,715,771,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total assets from discontinued operations | 43,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
liabilities and equity: | |||||||||||||||||||||||||||||||||||||||||||||||
securitized debt: | |||||||||||||||||||||||||||||||||||||||||||||||
total securitized debt | 341,858,092,370,000 | ||||||||||||||||||||||||||||||||||||||||||||||
other borrowings: | |||||||||||||||||||||||||||||||||||||||||||||||
total other borrowings | 68,543,465,050,000 | ||||||||||||||||||||||||||||||||||||||||||||||
total liabilities from discontinued operations | 448,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||
interest income to average earning assets | 8,740,000 | ||||||||||||||||||||||||||||||||||||||||||||||
interest expense to average earning assets | 1,650,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-03-31 | 2019-06-30 | 2019-03-31 | 2018-09-30 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-09-30 | 2014-06-30 | 2014-03-31 | 2013-09-30 | 2013-06-30 | 2013-03-31 | 2012-09-30 | 2012-06-30 | 2012-03-31 | 2011-12-31 | 2011-09-30 | 2011-06-30 | 2011-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
operating activities: | |||||||||||||||||||||||||||||||||||||||||||
income from continuing operations, net of tax | 3,193,000,000 | -4,263,000,000 | 1,404,000,000 | 1,093,000,000 | 1,777,000,000 | 597,000,000 | 1,280,000,000 | 706,000,000 | 1,790,000,000 | 1,431,000,000 | 960,000,000 | 1,232,000,000 | 1,694,000,000 | 2,031,000,000 | 2,403,000,000 | 2,426,000,000 | 3,104,000,000 | 3,537,000,000 | 3,327,000,000 | 2,568,000,000 | -1,340,000,000 | 1,616,000,000 | 1,410,000,000 | 1,501,000,000 | 1,016,000,000 | 943,000,000 | 1,018,000,000 | 1,118,000,000 | 852,000,000 | 1,134,000,000 | 1,125,000,000 | 1,204,000,000 | 1,124,000,000 | 1,130,000,000 | 1,236,000,000 | 1,144,000,000 | 1,188,000,000 | 193,000,000 | 1,505,000,000 | 411,000,000 | 865,000,000 | 945,000,000 | 1,032,000,000 |
income from discontinued operations, net of tax | -1,000,000 | -1,000,000 | 0 | -1,000,000 | -2,000,000 | -2,000,000 | 9,000,000 | 2,000,000 | 1,000,000 | -11,000,000 | -1,000,000 | -5,000,000 | -4,000,000 | 11,000,000 | 19,000,000 | -44,000,000 | -10,000,000 | 30,000,000 | -13,000,000 | -119,000,000 | -78,000,000 | -10,000,000 | -100,000,000 | -102,000,000 | -4,000,000 | -52,000,000 | -34,000,000 | -16,000,000 | |||||||||||||||
net income | 3,192,000,000 | -4,277,000,000 | 1,404,000,000 | 1,096,000,000 | 1,777,000,000 | 597,000,000 | 1,280,000,000 | 706,000,000 | 1,790,000,000 | 1,431,000,000 | 960,000,000 | 1,232,000,000 | 1,694,000,000 | 2,031,000,000 | 2,403,000,000 | 2,425,000,000 | 3,104,000,000 | 3,536,000,000 | 3,325,000,000 | 2,566,000,000 | -1,340,000,000 | 1,625,000,000 | 1,412,000,000 | 1,502,000,000 | 1,005,000,000 | 942,000,000 | 1,013,000,000 | 1,114,000,000 | 863,000,000 | 1,153,000,000 | 1,081,000,000 | 1,194,000,000 | 1,154,000,000 | 1,117,000,000 | 1,117,000,000 | 1,066,000,000 | 1,178,000,000 | 93,000,000 | 1,403,000,000 | 407,000,000 | 813,000,000 | 911,000,000 | 1,016,000,000 |
adjustments to reconcile net income to net cash from operating activities: | |||||||||||||||||||||||||||||||||||||||||||
benefit from credit losses | 2,714,000,000 | 11,430,000,000 | 2,369,000,000 | 2,642,000,000 | 2,482,000,000 | 3,909,000,000 | 2,683,000,000 | 2,284,000,000 | 2,490,000,000 | 2,795,000,000 | 264,000,000 | 5,423,000,000 | 1,342,000,000 | 1,693,000,000 | 1,268,000,000 | 1,588,000,000 | 1,592,000,000 | 1,527,000,000 | 1,092,000,000 | 1,129,000,000 | 935,000,000 | 993,000,000 | 704,000,000 | 735,000,000 | 849,000,000 | 762,000,000 | 885,000,000 | 1,014,000,000 | 1,677,000,000 | 573,000,000 | |||||||||||||
depreciation and amortization | 1,832,000,000 | 1,011,000,000 | 812,000,000 | 814,000,000 | 806,000,000 | 811,000,000 | 806,000,000 | 798,000,000 | 852,000,000 | 325,000,000 | 1,251,000,000 | 843,000,000 | 744,000,000 | 784,000,000 | 839,000,000 | 853,000,000 | 914,000,000 | 859,000,000 | 855,000,000 | 800,000,000 | 893,000,000 | 881,000,000 | 704,000,000 | 589,000,000 | 612,000,000 | 616,000,000 | 591,000,000 | 546,000,000 | 529,000,000 | 483,000,000 | 515,000,000 | 503,000,000 | 514,000,000 | 495,000,000 | 811,000,000 | 341,000,000 | 565,000,000 | 458,000,000 | 234,000,000 | 176,000,000 | 125,000,000 | 132,000,000 | 167,000,000 |
deferred tax benefit | 858,000,000 | -113,000,000 | |||||||||||||||||||||||||||||||||||||||||
net securities losses | 0 | 0 | 3,000,000 | 7,000,000 | -1,000,000 | 4,000,000 | -2,000,000 | 0 | -4,000,000 | ||||||||||||||||||||||||||||||||||
gain on sales of loans | 4,000,000 | 1,000,000 | -3,000,000 | 14,000,000 | 13,000,000 | 5,000,000 | 4,000,000 | 2,000,000 | -5,000,000 | -3,000,000 | -12,000,000 | 5,000,000 | -186,000,000 | 9,000,000 | -3,000,000 | 0 | -5,000,000 | 9,000,000 | -4,000,000 | -51,000,000 | -6,000,000 | -106,000,000 | |||||||||||||||||||||
stock-based compensation expense | 174,000,000 | 225,000,000 | 177,000,000 | 144,000,000 | 127,000,000 | 105,000,000 | 193,000,000 | 141,000,000 | 95,000,000 | 123,000,000 | 154,000,000 | 76,000,000 | 66,000,000 | 65,000,000 | 107,000,000 | 61,000,000 | 64,000,000 | 87,000,000 | 119,000,000 | 75,000,000 | 24,000,000 | 57,000,000 | 72,000,000 | 45,000,000 | |||||||||||||||||||
other fair value adjustments | |||||||||||||||||||||||||||||||||||||||||||
loans held for sale: | |||||||||||||||||||||||||||||||||||||||||||
originations and purchases | -1,390,000,000 | -1,089,000,000 | -1,208,000,000 | -1,085,000,000 | -535,000,000 | -591,000,000 | -1,477,000,000 | -612,000,000 | -651,000,000 | -2,102,000,000 | -1,237,000,000 | -1,928,000,000 | -2,854,000,000 | -2,117,000,000 | -1,923,000,000 | -2,130,000,000 | -3,778,000,000 | -1,319,000,000 | -1,914,000,000 | -3,316,000,000 | -2,258,000,000 | -3,494,000,000 | -1,877,000,000 | -2,447,000,000 | -2,858,000,000 | -1,653,000,000 | -1,611,000,000 | -1,296,000,000 | -1,868,000,000 | -1,916,000,000 | -1,435,000,000 | -1,225,000,000 | -695,000,000 | ||||||||||
proceeds from sales and paydowns | 870,000,000 | 1,670,000,000 | 724,000,000 | 983,000,000 | 890,000,000 | 1,387,000,000 | 610,000,000 | 585,000,000 | 872,000,000 | 1,911,000,000 | 1,064,000,000 | 3,437,000,000 | 1,888,000,000 | 2,318,000,000 | 2,036,000,000 | 2,896,000,000 | 2,520,000,000 | 2,056,000,000 | 1,651,000,000 | 4,023,000,000 | 1,507,000,000 | 2,402,000,000 | 2,467,000,000 | 2,133,000,000 | 2,755,000,000 | 1,560,000,000 | 1,573,000,000 | 1,708,000,000 | 2,328,000,000 | 1,234,000,000 | 1,722,000,000 | 782,000,000 | 667,000,000 | 6,478,000,000 | 519,000,000 | 803,000,000 | |||||||
changes in operating assets and liabilities: | |||||||||||||||||||||||||||||||||||||||||||
changes in interest receivable | -83,000,000 | 152,000,000 | -67,000,000 | 45,000,000 | -83,000,000 | 20,000,000 | -36,000,000 | -9,000,000 | -172,000,000 | -47,000,000 | -131,000,000 | -251,000,000 | -239,000,000 | -132,000,000 | -19,000,000 | -42,000,000 | -40,000,000 | 8,000,000 | 91,000,000 | 80,000,000 | 71,000,000 | 71,000,000 | -1,000,000 | -25,000,000 | -15,000,000 | -15,000,000 | -33,000,000 | ||||||||||||||||
changes in other assets | 77,000,000 | -708,000,000 | -9,000,000 | -1,339,000,000 | 1,357,000,000 | 226,000,000 | -670,000,000 | 1,199,000,000 | -428,000,000 | -453,000,000 | 398,000,000 | 2,925,000,000 | -320,000,000 | -862,000,000 | -4,716,000,000 | 719,000,000 | -1,650,000,000 | -1,613,000,000 | -1,570,000,000 | -73,000,000 | 1,325,000,000 | 352,000,000 | 899,000,000 | -8,000,000 | -193,000,000 | -1,136,000,000 | 801,000,000 | ||||||||||||||||
changes in interest payable | -62,000,000 | -105,000,000 | -20,000,000 | -39,000,000 | 37,000,000 | -94,000,000 | 113,000,000 | -36,000,000 | 48,000,000 | 16,000,000 | 94,000,000 | 94,000,000 | 100,000,000 | 72,000,000 | -20,000,000 | 40,000,000 | -60,000,000 | 13,000,000 | -64,000,000 | 20,000,000 | -80,000,000 | 55,000,000 | -76,000,000 | -59,000,000 | -64,000,000 | 84,000,000 | -82,000,000 | ||||||||||||||||
changes in other liabilities | 821,000,000 | 360,000,000 | 178,000,000 | -487,000,000 | -293,000,000 | 328,000,000 | -652,000,000 | 1,545,000,000 | 2,546,000,000 | -49,000,000 | -2,196,000,000 | -301,000,000 | 398,000,000 | -107,000,000 | 521,000,000 | -617,000,000 | 1,254,000,000 | 1,392,000,000 | -435,000,000 | 427,000,000 | 595,000,000 | 1,077,000,000 | -443,000,000 | 260,000,000 | 412,000,000 | 451,000,000 | 303,000,000 | ||||||||||||||||
net change from discontinued operations | 116,000,000 | -2,000,000 | 0 | 0 | -3,000,000 | -2,000,000 | -1,000,000 | 2,000,000 | 1,000,000 | ||||||||||||||||||||||||||||||||||
net cash from operating activities | 9,154,000,000 | 6,066,000,000 | 4,667,000,000 | 2,448,000,000 | 6,458,000,000 | 6,243,000,000 | 3,010,000,000 | 7,100,000,000 | 7,129,000,000 | 3,354,000,000 | 2,992,000,000 | 8,157,000,000 | 2,777,000,000 | 2,954,000,000 | -79,000,000 | 4,662,000,000 | 1,954,000,000 | 4,058,000,000 | 1,636,000,000 | 4,627,000,000 | 5,409,000,000 | 4,226,000,000 | 4,881,000,000 | 3,351,000,000 | 3,293,000,000 | 2,466,000,000 | 4,102,000,000 | 4,657,000,000 | 2,355,000,000 | 1,993,000,000 | 2,781,000,000 | 1,761,000,000 | 3,159,000,000 | 9,632,000,000 | 2,838,000,000 | 2,794,000,000 | 4,981,000,000 | 1,686,000,000 | 1,466,000,000 | 1,539,000,000 | 1,555,000,000 | 2,492,000,000 | 1,869,000,000 |
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
free cash flows | 9,154,000,000 | 6,066,000,000 | 4,667,000,000 | 2,448,000,000 | 6,458,000,000 | 6,243,000,000 | 3,010,000,000 | 7,100,000,000 | 7,129,000,000 | 3,354,000,000 | 2,992,000,000 | 8,157,000,000 | 2,777,000,000 | 2,954,000,000 | -79,000,000 | 4,662,000,000 | 1,954,000,000 | 4,058,000,000 | 1,636,000,000 | 4,627,000,000 | 5,409,000,000 | 4,226,000,000 | 4,881,000,000 | 3,351,000,000 | 3,293,000,000 | 2,466,000,000 | 4,102,000,000 | 4,657,000,000 | 2,355,000,000 | 1,993,000,000 | 2,781,000,000 | 1,761,000,000 | 3,159,000,000 | 9,632,000,000 | 2,838,000,000 | 2,794,000,000 | 4,981,000,000 | 1,686,000,000 | 1,466,000,000 | 1,539,000,000 | 1,555,000,000 | 2,492,000,000 | 1,869,000,000 |
investing activities: | |||||||||||||||||||||||||||||||||||||||||||
securities available for sale: | |||||||||||||||||||||||||||||||||||||||||||
purchases | -5,958,000,000 | -3,788,000,000 | -2,839,000,000 | -5,506,000,000 | -4,818,000,000 | -4,127,000,000 | -2,732,000,000 | -3,112,000,000 | -1,387,000,000 | -104,000,000 | -5,843,000,000 | -3,236,000,000 | -3,916,000,000 | -3,870,000,000 | -3,828,000,000 | -5,933,000,000 | -3,766,000,000 | -10,304,000,000 | -7,881,000,000 | -7,837,000,000 | -3,927,000,000 | -2,795,000,000 | -2,879,000,000 | -1,676,000,000 | -4,462,000,000 | -2,295,000,000 | -4,592,000,000 | -3,233,000,000 | -3,152,000,000 | -2,883,000,000 | |||||||||||||
proceeds from paydowns and maturities | 4,377,000,000 | 5,837,000,000 | 3,073,000,000 | 3,117,000,000 | 3,385,000,000 | 2,950,000,000 | 2,397,000,000 | 2,178,000,000 | 2,381,000,000 | 2,292,000,000 | 1,990,000,000 | 2,169,000,000 | 6,776,000,000 | 5,231,000,000 | 4,898,000,000 | 6,174,000,000 | 6,653,000,000 | 7,127,000,000 | 7,015,000,000 | 6,731,000,000 | 3,822,000,000 | 1,836,000,000 | 1,526,000,000 | 2,076,000,000 | 2,036,000,000 | 1,835,000,000 | 1,902,000,000 | 2,104,000,000 | 2,072,000,000 | 1,891,000,000 | |||||||||||||
proceeds from sales | 0 | 0 | 0 | 330,000,000 | 1,770,000,000 | 470,000,000 | 1,041,000,000 | 1,140,000,000 | 0 | 595,000,000 | 0 | 144,000,000 | 909,000,000 | 3,074,000,000 | 2,454,000,000 | 829,000,000 | 776,000,000 | 1,923,000,000 | 898,000,000 | 971,000,000 | 1,342,000,000 | 749,000,000 | 546,000,000 | 450,000,000 | 405,000,000 | 347,000,000 | 199,000,000 | 135,000,000 | |||||||||||||||
proceeds from sales of securities related to the transaction | 0 | ||||||||||||||||||||||||||||||||||||||||||
loans: | |||||||||||||||||||||||||||||||||||||||||||
net changes in loans originated as held for investment | -9,051,000,000 | -12,119,000,000 | 321,000,000 | -11,447,000,000 | -5,301,000,000 | -6,589,000,000 | 1,906,000,000 | -8,995,000,000 | -6,078,000,000 | -6,145,000,000 | 3,396,000,000 | -10,416,000,000 | -8,117,000,000 | -17,456,000,000 | 104,000,000 | ||||||||||||||||||||||||||||
principal recoveries of loans previously charged off | 1,468,000,000 | 1,223,000,000 | 956,000,000 | 804,000,000 | 823,000,000 | 717,000,000 | 657,000,000 | 573,000,000 | 582,000,000 | 587,000,000 | 546,000,000 | 460,000,000 | 539,000,000 | 538,000,000 | 554,000,000 | 605,000,000 | 593,000,000 | 694,000,000 | 614,000,000 | 554,000,000 | 666,000,000 | 649,000,000 | 674,000,000 | 619,000,000 | 366,000,000 | 373,000,000 | 384,000,000 | 373,000,000 | 380,000,000 | 403,000,000 | 401,000,000 | 398,000,000 | 404,000,000 | 377,000,000 | 410,000,000 | 417,000,000 | 337,000,000 | 362,000,000 | 406,000,000 | 346,000,000 | 371,000,000 | 391,000,000 | 435,000,000 |
changes in premises and equipment | -387,000,000 | -399,000,000 | -348,000,000 | -356,000,000 | -312,000,000 | -289,000,000 | -247,000,000 | ||||||||||||||||||||||||||||||||||||
net cash received in the transaction | 1,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net cash from other investing activities | -401,000,000 | -444,000,000 | -318,000,000 | -861,000,000 | -256,000,000 | -194,000,000 | -306,000,000 | -363,000,000 | -310,000,000 | -343,000,000 | -309,000,000 | -85,000,000 | -53,000,000 | -295,000,000 | -195,000,000 | -382,000,000 | -260,000,000 | -78,000,000 | 52,000,000 | -258,000,000 | -196,000,000 | -167,000,000 | -422,000,000 | -92,000,000 | -143,000,000 | -105,000,000 | -21,000,000 | 68,000,000 | |||||||||||||||
net cash from investing activities | -9,951,000,000 | 16,471,000,000 | 845,000,000 | -14,249,000,000 | -6,304,000,000 | -7,532,000,000 | 1,675,000,000 | -9,690,000,000 | -5,071,000,000 | -4,165,000,000 | -2,994,000,000 | -11,447,000,000 | -5,789,000,000 | -14,275,000,000 | 1,773,000,000 | -16,455,000,000 | -7,355,000,000 | -14,963,000,000 | 7,272,000,000 | -5,924,000,000 | 1,041,000,000 | -5,138,000,000 | 5,013,000,000 | -2,256,000,000 | -6,259,000,000 | -8,190,000,000 | -728,000,000 | 3,071,000,000 | 3,386,000,000 | -797,000,000 | -1,413,000,000 | 5,142,000,000 | -7,641,000,000 | -26,635,000,000 | 23,135,000,000 | -7,214,000,000 | -372,000,000 | -2,321,000,000 | -456,000,000 | ||||
see notes to consolidated financial statements. | |||||||||||||||||||||||||||||||||||||||||||
83 | |||||||||||||||||||||||||||||||||||||||||||
other | 22,000,000 | 48,000,000 | 28,000,000 | 6,000,000 | 0 | 31,000,000 | 97,000,000 | 2,000,000 | -62,000,000 | 14,000,000 | 20,000,000 | 0 | 4,000,000 | 16,000,000 | 38,000,000 | -30,000,000 | -28,000,000 | 66,000,000 | -43,000,000 | 0 | |||||||||||||||||||||||
84 | |||||||||||||||||||||||||||||||||||||||||||
deferred tax provision | 262,000,000 | -469,000,000 | 116,000,000 | -169,000,000 | -401,000,000 | -360,000,000 | -198,000,000 | 187,000,000 | 25,000,000 | 6,000,000 | 229,000,000 | 345,000,000 | -748,000,000 | -76,000,000 | 61,000,000 | 54,000,000 | |||||||||||||||||||||||||||
financing activities: | |||||||||||||||||||||||||||||||||||||||||||
deposits and borrowings: | |||||||||||||||||||||||||||||||||||||||||||
changes in deposits | 4,678,000,000 | 6,702,000,000 | -730,000,000 | 5,243,000,000 | -1,024,000,000 | 4,918,000,000 | -724,000,000 | 4,055,000,000 | |||||||||||||||||||||||||||||||||||
maturities and paydowns of securitized debt obligations | -2,626,000,000 | -2,208,000,000 | -3,537,000,000 | -589,000,000 | -998,000,000 | -746,000,000 | -719,000,000 | -1,325,000,000 | 0 | 0 | -175,000,000 | -17,000,000 | -1,321,000,000 | -1,470,000,000 | -1,287,000,000 | -915,000,000 | -1,102,000,000 | ||||||||||||||||||||||||||
issuance of senior and subordinated notes | 1,742,000,000 | 0 | 296,000,000 | 638,000,000 | |||||||||||||||||||||||||||||||||||||||
maturities and paydowns of senior and subordinated notes | -3,447,000,000 | ||||||||||||||||||||||||||||||||||||||||||
changes in other borrowings | 7,000,000 | -927,000,000 | 13,000,000 | -9,082,000,000 | 1,010,000,000 | ||||||||||||||||||||||||||||||||||||||
common stock: | |||||||||||||||||||||||||||||||||||||||||||
net proceeds from issuances | 93,000,000 | 63,000,000 | 46,000,000 | 52,000,000 | 47,000,000 | 35,000,000 | 34,000,000 | 30,000,000 | 31,000,000 | 29,000,000 | 24,000,000 | ||||||||||||||||||||||||||||||||
dividends paid | -234,000,000 | -185,000,000 | -188,000,000 | -191,000,000 | -191,000,000 | -202,000,000 | -205,000,000 | -211,000,000 | -217,000,000 | -218,000,000 | -167,000,000 | ||||||||||||||||||||||||||||||||
preferred stock: | |||||||||||||||||||||||||||||||||||||||||||
purchases of treasury stock | -375,000,000 | -386,000,000 | -2,000,000 | -65,000,000 | -571,000,000 | -1,194,000,000 | -629,000,000 | -970,000,000 | -627,000,000 | -625,000,000 | -563,000,000 | -563,000,000 | -941,000,000 | -39,000,000 | -258,000,000 | -1,000,000 | -28,000,000 | -1,000,000 | 0 | -42,000,000 | -1,000,000 | -2,000,000 | -1,000,000 | -38,000,000 | |||||||||||||||||||
proceeds from share-based payment activities | 1,000,000 | 20,000,000 | 18,000,000 | 0 | 0 | 3,000,000 | 15,000,000 | 49,000,000 | 19,000,000 | 19,000,000 | 58,000,000 | 12,000,000 | 29,000,000 | 29,000,000 | 15,000,000 | 12,000,000 | 29,000,000 | 16,000,000 | -2,000,000 | 17,000,000 | 19,000,000 | 23,000,000 | |||||||||||||||||||||
net cash from financing activities | -218,000,000 | 5,101,000,000 | -2,705,000,000 | -3,945,000,000 | -2,763,000,000 | 4,911,000,000 | 7,638,000,000 | -6,162,000,000 | 6,042,000,000 | -6,654,000,000 | -7,770,000,000 | -3,518,000,000 | -12,248,000,000 | 2,650,000,000 | 272,000,000 | 217,000,000 | 5,155,000,000 | -1,468,000,000 | -1,499,000,000 | 1,309,000,000 | |||||||||||||||||||||||
changes in cash, cash equivalents and restricted cash for securitization investors | 5,294,000,000 | 11,551,000,000 | -3,617,000,000 | 5,949,000,000 | -1,668,000,000 | ||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash for securitization investors, beginning of the period | 43,671,000,000 | 13,749,000,000 | 0 | 13,489,000,000 | 0 | ||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and restricted cash for securitization investors, end of the period | 48,965,000,000 | 25,300,000,000 | -3,617,000,000 | 19,438,000,000 | -1,668,000,000 | ||||||||||||||||||||||||||||||||||||||
supplemental cash flow information: | |||||||||||||||||||||||||||||||||||||||||||
interest paid | 3,211,000,000 | 1,157,000,000 | 1,163,000,000 | 1,248,000,000 | 1,085,000,000 | 581,000,000 | 394,000,000 | 543,000,000 | 468,000,000 | 396,000,000 | 457,000,000 | 450,000,000 | 347,000,000 | 451,000,000 | |||||||||||||||||||||||||||||
income tax paid | 3,000,000 | 64,000,000 | 111,000,000 | 70,000,000 | 204,000,000 | 479,000,000 | 1,017,000,000 | 55,000,000 | 402,000,000 | 225,000,000 | 903,000,000 | -19,000,000 | |||||||||||||||||||||||||||||||
net cash from acquisitions | |||||||||||||||||||||||||||||||||||||||||||
139 | |||||||||||||||||||||||||||||||||||||||||||
loss on sales of loans | |||||||||||||||||||||||||||||||||||||||||||
82 | |||||||||||||||||||||||||||||||||||||||||||
net cash from acquisition activities | 0 | 0 | -246,000,000 | -2,539,000,000 | -49,000,000 | -118,000,000 | -527,000,000 | 0 | |||||||||||||||||||||||||||||||||||
77 | |||||||||||||||||||||||||||||||||||||||||||
benefit for credit losses | 2,416,000,000 | 1,669,000,000 | 1,085,000,000 | 677,000,000 | 381,000,000 | -342,000,000 | -1,160,000,000 | -823,000,000 | |||||||||||||||||||||||||||||||||||
131 | |||||||||||||||||||||||||||||||||||||||||||
net purchases of premises and equipment | -259,000,000 | -206,000,000 | -235,000,000 | -290,000,000 | -221,000,000 | -193,000,000 | -230,000,000 | -194,000,000 | -163,000,000 | -163,000,000 | -178,000,000 | -167,000,000 | -154,000,000 | -213,000,000 | -183,000,000 | -240,000,000 | |||||||||||||||||||||||||||
73 | |||||||||||||||||||||||||||||||||||||||||||
71 | |||||||||||||||||||||||||||||||||||||||||||
68 | |||||||||||||||||||||||||||||||||||||||||||
121 | |||||||||||||||||||||||||||||||||||||||||||
72 | |||||||||||||||||||||||||||||||||||||||||||
69 | |||||||||||||||||||||||||||||||||||||||||||
securities held to maturity: | |||||||||||||||||||||||||||||||||||||||||||
net changes in loans held for investment | -17,648,000,000 | -11,025,000,000 | -12,215,000,000 | 7,055,000,000 | -4,947,000,000 | 686,000,000 | -6,364,000,000 | 2,969,000,000 | -4,250,000,000 | -4,797,000,000 | -8,542,000,000 | 271,000,000 | |||||||||||||||||||||||||||||||
125 | |||||||||||||||||||||||||||||||||||||||||||
74 | |||||||||||||||||||||||||||||||||||||||||||
net securities gains | -15,000,000 | -24,000,000 | |||||||||||||||||||||||||||||||||||||||||
79 | |||||||||||||||||||||||||||||||||||||||||||
issuance of securitized debt obligations | 1,248,000,000 | 1,121,000,000 | 1,496,000,000 | 0 | 3,067,000,000 | 1,820,000,000 | 1,072,000,000 | 1,247,000,000 | 549,000,000 | 1,498,000,000 | 948,000,000 | ||||||||||||||||||||||||||||||||
issuance of senior and subordinated notes and long-term fhlb advances | 1,995,000,000 | 1,403,000,000 | 1,243,000,000 | 750,000,000 | 5,430,000,000 | 8,600,000,000 | 6,350,000,000 | 1,494,000,000 | |||||||||||||||||||||||||||||||||||
maturities and paydowns of senior and subordinated notes and long-term fhlb advances | -1,500,000,000 | -751,000,000 | -2,000,000,000 | -1,751,000,000 | -7,000,000,000 | -1,351,000,000 | -14,050,000,000 | -5,802,000,000 | |||||||||||||||||||||||||||||||||||
redemptions | -875,000,000 | ||||||||||||||||||||||||||||||||||||||||||
non-cash items: | |||||||||||||||||||||||||||||||||||||||||||
net transfers from (to) loans held for investment to (from) loans held for sale | -73,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net transfers from loans held for investment to loans held for sale | 1,070,000,000 | 358,000,000 | 116,000,000 | -38,000,000 | -75,000,000 | 510,000,000 | 42,000,000 | 226,000,000 | 3,000,000 | 16,000,000 | 14,000,000 | 8,000,000 | |||||||||||||||||||||||||||||||
securitized debt obligations assumed in acquisition | |||||||||||||||||||||||||||||||||||||||||||
adjustments to reconcile net income to cash from operating activities: | |||||||||||||||||||||||||||||||||||||||||||
net gain on sales of securities available for sale | -1,000,000 | -3,000,000 | 1,000,000 | -2,000,000 | -6,000,000 | ||||||||||||||||||||||||||||||||||||||
impairment losses on securities available for sale | 0 | 2,000,000 | 8,000,000 | 5,000,000 | 7,000,000 | 15,000,000 | 9,000,000 | 1,000,000 | 5,000,000 | 11,000,000 | 4,000,000 | 25,000,000 | |||||||||||||||||||||||||||||||
gain on sales of loans held for sale | -20,000,000 | -36,000,000 | -5,000,000 | -34,000,000 | |||||||||||||||||||||||||||||||||||||||
stock plan compensation expense | 60,000,000 | 46,000,000 | 44,000,000 | -3,000,000 | 74,000,000 | 50,000,000 | 30,000,000 | 53,000,000 | 84,000,000 | 60,000,000 | 58,000,000 | 54,000,000 | 37,000,000 | 53,000,000 | 63,000,000 | 54,000,000 | 18,000,000 | 42,000,000 | 75,000,000 | ||||||||||||||||||||||||
net cash from discontinued operations | 12,000,000 | 1,000,000 | 13,000,000 | ||||||||||||||||||||||||||||||||||||||||
purchases of premises and equipment | -184,000,000 | -190,000,000 | -134,000,000 | -182,000,000 | -76,000,000 | -153,000,000 | -155,000,000 | -121,000,000 | -129,000,000 | ||||||||||||||||||||||||||||||||||
changes in restricted cash for securitization investors | -22,000,000 | 695,000,000 | 57,000,000 | ||||||||||||||||||||||||||||||||||||||||
changes in other short-term borrowings | 79,000,000 | 82,000,000 | -64,000,000 | ||||||||||||||||||||||||||||||||||||||||
changes in cash and cash equivalents | 1,945,000,000 | 1,914,000,000 | -2,788,000,000 | ||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of the period | 0 | 0 | 8,023,000,000 | 0 | 0 | 7,242,000,000 | 6,291,000,000 | 0 | 0 | 11,058,000,000 | 0 | 0 | 5,838,000,000 | 0 | 0 | 0 | 5,249,000,000 | ||||||||||||||||||||||||||
cash and cash equivalents at end of the period | 1,945,000,000 | 1,914,000,000 | 5,235,000,000 | -319,000,000 | -1,735,000,000 | 8,891,000,000 | -584,000,000 | 550,000,000 | 6,182,000,000 | 1,065,000,000 | -2,093,000,000 | 6,746,000,000 | -10,000,000 | -24,677,000,000 | 30,656,000,000 | -520,000,000 | -285,000,000 | -1,328,000,000 | 7,971,000,000 | ||||||||||||||||||||||||
net (gain) loss on sales of securities available for sale | |||||||||||||||||||||||||||||||||||||||||||
(gain) loss on sales of loans held for sale | -45,000,000 | ||||||||||||||||||||||||||||||||||||||||||
increase in interest receivable | 150,000,000 | -76,000,000 | 316,000,000 | 9,000,000 | -71,000,000 | 69,000,000 | -2,000,000 | 45,000,000 | |||||||||||||||||||||||||||||||||||
increase in other assets | 514,000,000 | 875,000,000 | -319,000,000 | 608,000,000 | -372,000,000 | -570,000,000 | 318,000,000 | 474,000,000 | |||||||||||||||||||||||||||||||||||
decrease in interest payable | -59,000,000 | -48,000,000 | -94,000,000 | 78,000,000 | -82,000,000 | ||||||||||||||||||||||||||||||||||||||
increase in other liabilities | 73,000,000 | 423,000,000 | -778,000,000 | 307,000,000 | 969,000,000 | 633,000,000 | -506,000,000 | ||||||||||||||||||||||||||||||||||||
net cash (used) provided by discontinued operations | |||||||||||||||||||||||||||||||||||||||||||
net increase in loans held for investment | -4,895,000,000 | -4,304,000,000 | -1,703,000,000 | -1,878,000,000 | 5,875,000,000 | -7,170,000,000 | -2,133,000,000 | ||||||||||||||||||||||||||||||||||||
net cash used by other investing activities | -112,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net cash used by investing activities | -5,089,000,000 | ||||||||||||||||||||||||||||||||||||||||||
increase in restricted cash for securitization investors | -333,000,000 | -13,000,000 | 641,000,000 | -590,000,000 | -390,000,000 | 720,000,000 | -299,000,000 | 193,000,000 | 344,000,000 | 1,228,000,000 | -954,000,000 | ||||||||||||||||||||||||||||||||
net increase in deposits | 4,120,000,000 | -1,662,000,000 | 4,890,000,000 | -2,436,000,000 | 3,799,000,000 | -3,034,000,000 | -2,552,000,000 | -76,000,000 | -678,000,000 | -2,598,000,000 | 3,877,000,000 | -94,000,000 | 2,197,000,000 | 671,000,000 | 3,236,000,000 | ||||||||||||||||||||||||||||
net decrease in other short-term borrowings | -843,000,000 | ||||||||||||||||||||||||||||||||||||||||||
decrease in cash and cash equivalents | -584,000,000 | 550,000,000 | -109,000,000 | ||||||||||||||||||||||||||||||||||||||||
decrease in interest receivable | 25,000,000 | 1,000,000 | 93,000,000 | 42,000,000 | |||||||||||||||||||||||||||||||||||||||
increase in interest payable | -48,000,000 | 14,000,000 | -140,000,000 | -68,000,000 | 58,000,000 | -77,000,000 | |||||||||||||||||||||||||||||||||||||
decrease in other liabilities | -12,000,000 | -8,000,000 | 293,000,000 | 114,000,000 | -782,000,000 | 1,030,000,000 | -572,000,000 | ||||||||||||||||||||||||||||||||||||
net cash provided (used) by discontinued operations | |||||||||||||||||||||||||||||||||||||||||||
net cash provided (used) by financing activities | |||||||||||||||||||||||||||||||||||||||||||
increase in cash and cash equivalents | -1,735,000,000 | 1,649,000,000 | 1,065,000,000 | -2,093,000,000 | -4,312,000,000 | -10,000,000 | -24,677,000,000 | 24,818,000,000 | -520,000,000 | -285,000,000 | -1,328,000,000 | 2,722,000,000 | |||||||||||||||||||||||||||||||
decrease in other assets | 187,000,000 | -620,000,000 | -274,000,000 | 1,501,000,000 | 200,000,000 | -662,000,000 | 686,000,000 | ||||||||||||||||||||||||||||||||||||
net cash used by discontinued operations | -46,000,000 | 19,000,000 | -49,000,000 | ||||||||||||||||||||||||||||||||||||||||
net decrease in loans held for investment | 3,143,000,000 | 2,817,000,000 | -1,913,000,000 | 1,275,000,000 | 1,713,000,000 | ||||||||||||||||||||||||||||||||||||||
decrease restricted cash for securitization investors | |||||||||||||||||||||||||||||||||||||||||||
issuance of senior and subordinated notes and junior subordinated debentures | 2,988,000,000 | 2,982,000,000 | 0 | 0 | 1,250,000,000 | ||||||||||||||||||||||||||||||||||||||
maturities and redemptions of senior and subordinate notes | -1,250,000,000 | -1,001,000,000 | -1,099,000,000 | -275,000,000 | 0 | -710,000,000 | 210,000,000 | ||||||||||||||||||||||||||||||||||||
net decrease in other borrowings | -10,396,000,000 | 725,000,000 | 7,032,000,000 | -11,787,000,000 | 5,856,000,000 | ||||||||||||||||||||||||||||||||||||||
net cash used by financing activities | -3,415,000,000 | ||||||||||||||||||||||||||||||||||||||||||
income tax refund | -87,000,000 | ||||||||||||||||||||||||||||||||||||||||||
gain on sales | -15,000,000 | -13,000,000 | -7,000,000 | ||||||||||||||||||||||||||||||||||||||||
purchases of securities | -6,171,000,000 | -3,195,000,000 | -4,712,000,000 | ||||||||||||||||||||||||||||||||||||||||
proceeds from paydowns and maturities of securities | 2,741,000,000 | 1,946,000,000 | 2,030,000,000 | ||||||||||||||||||||||||||||||||||||||||
proceeds from sales of securities | 3,268,000,000 | 583,000,000 | 2,976,000,000 | ||||||||||||||||||||||||||||||||||||||||
net cash provided (used) by investing activities | -4,220,000,000 | ||||||||||||||||||||||||||||||||||||||||||
decrease in restricted cash for securitization investors | -44,000,000 | ||||||||||||||||||||||||||||||||||||||||||
net decrease in deposits | |||||||||||||||||||||||||||||||||||||||||||
redemption of junior subordinated debentures | 0 | 0 | -3,641,000,000 | ||||||||||||||||||||||||||||||||||||||||
net proceeds from issuances of common stock | 22,000,000 | 24,000,000 | 27,000,000 | 20,000,000 | 21,000,000 | 23,000,000 | 17,000,000 | 12,000,000 | 3,188,000,000 | 12,000,000 | 10,000,000 | 10,000,000 | 8,000,000 | ||||||||||||||||||||||||||||||
net proceeds from issuances of preferred stock | 0 | ||||||||||||||||||||||||||||||||||||||||||
dividends paid on common stock | -169,000,000 | -170,000,000 | -174,000,000 | -177,000,000 | -176,000,000 | -30,000,000 | -29,000,000 | -29,000,000 | -24,000,000 | -22,000,000 | -23,000,000 | -23,000,000 | -23,000,000 | ||||||||||||||||||||||||||||||
dividends paid on preferred stock | -20,000,000 | -13,000,000 | -13,000,000 | -13,000,000 | -13,000,000 | -13,000,000 | |||||||||||||||||||||||||||||||||||||
net debt exchange of senior and subordinated notes | |||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of the period. | |||||||||||||||||||||||||||||||||||||||||||
net gains on sales of securities available for sale | -13,000,000 | 1,000,000 | -2,000,000 | -2,000,000 | -1,000,000 | -30,000,000 | -11,000,000 | -8,000,000 | -240,000,000 | -8,000,000 | -3,000,000 | ||||||||||||||||||||||||||||||||
decrease (increase) in restricted cash for securitization investors | 324,000,000 | ||||||||||||||||||||||||||||||||||||||||||
issuance of senior and subordinated notes and junior subordinated debt | 1,994,000,000 | ||||||||||||||||||||||||||||||||||||||||||
bargain purchase gain | 0 | 0 | -594,000,000 | ||||||||||||||||||||||||||||||||||||||||
originations | -420,000,000 | -286,000,000 | -266,000,000 | ||||||||||||||||||||||||||||||||||||||||
gains on sales | -5,000,000 | ||||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities, net of effects of acquisitions: | |||||||||||||||||||||||||||||||||||||||||||
net cash from operating activities attributable to discontinued operations | -4,000,000 | -179,000,000 | -108,000,000 | -43,000,000 | -131,000,000 | 152,000,000 | 15,000,000 | 31,000,000 | 22,000,000 | 27,000,000 | |||||||||||||||||||||||||||||||||
purchases of securities available for sale | -2,582,000,000 | -4,581,000,000 | -5,921,000,000 | -10,036,000,000 | -5,088,000,000 | -4,007,000,000 | -1,503,000,000 | -3,582,000,000 | |||||||||||||||||||||||||||||||||||
proceeds from paydowns and maturities of securities available for sale | 3,299,000,000 | 3,609,000,000 | 4,877,000,000 | 4,294,000,000 | 3,812,000,000 | 4,839,000,000 | 2,645,000,000 | 2,350,000,000 | 2,118,000,000 | 2,597,000,000 | |||||||||||||||||||||||||||||||||
proceeds from sales of securities available for sale | 35,000,000 | 600,000,000 | 720,000,000 | 16,000,000 | 6,921,000,000 | 7,337,000,000 | 189,000,000 | 6,410,000,000 | 1,724,000,000 | 846,000,000 | |||||||||||||||||||||||||||||||||
additions of premises and equipment | -172,000,000 | -214,000,000 | -236,000,000 | -97,000,000 | -106,000,000 | -156,000,000 | -46,000,000 | -110,000,000 | -92,000,000 | -67,000,000 | |||||||||||||||||||||||||||||||||
net cash paid for acquisitions | |||||||||||||||||||||||||||||||||||||||||||
net increase in other borrowings | -8,994,000,000 | 3,748,000,000 | 4,724,000,000 | -6,713,000,000 | 2,471,000,000 | 512,000,000 | |||||||||||||||||||||||||||||||||||||
fair value of common stock issued in business acquisition | |||||||||||||||||||||||||||||||||||||||||||
net transfers of loans held for investment to loans held for sale | -12,000,000 | 82,000,000 | 6,738,000,000 | ||||||||||||||||||||||||||||||||||||||||
transfer from securities available for sale to securities held to maturity | |||||||||||||||||||||||||||||||||||||||||||
redemption of senior and subordinated notes | 0 | ||||||||||||||||||||||||||||||||||||||||||
issuance of securitized debt obligation | 700,000,000 | 750,000,000 | |||||||||||||||||||||||||||||||||||||||||
(gains) losses on sales | -10,000,000 | -18,000,000 | -13,000,000 | -16,000,000 | |||||||||||||||||||||||||||||||||||||||
redemption of subordinated note | -1,206,000,000 | ||||||||||||||||||||||||||||||||||||||||||
issuance of subordinated note | 1,206,000,000 | ||||||||||||||||||||||||||||||||||||||||||
impairment loss on securities available for sale | 34,000,000 | ||||||||||||||||||||||||||||||||||||||||||
originations/transfers in | 129,000,000 | -953,000,000 | -860,000,000 | ||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities, net of effect of acquisitions: | |||||||||||||||||||||||||||||||||||||||||||
net cash payment for companies acquired, net of cash received | 0 | ||||||||||||||||||||||||||||||||||||||||||
net decrease in securitized debt obligations | -922,000,000 | -1,866,000,000 | -1,053,000,000 | -593,000,000 | -2,740,000,000 | -4,646,000,000 | -2,409,000,000 | ||||||||||||||||||||||||||||||||||||
maturities of senior notes | -350,000,000 | 0 | -282,000,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||||
excess of the net fair value of assets acquired over consideration transferred for acquired businesses | 32,000,000 | 272,000,000 | -594,000,000 | ||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities, net of effects of acquisitions | |||||||||||||||||||||||||||||||||||||||||||
increase in accounts receivable from securitizations | 0 | -2,000,000 | 7,000,000 | 5,000,000 | 6,000,000 | 6,000,000 | |||||||||||||||||||||||||||||||||||||
net cash from (payment for) companies acquired, net of cash received | 13,740,000,000 | ||||||||||||||||||||||||||||||||||||||||||
benefit from loan and lease losses | 861,000,000 | 622,000,000 | 343,000,000 | 534,000,000 | |||||||||||||||||||||||||||||||||||||||
net gains on deconsolidation | |||||||||||||||||||||||||||||||||||||||||||
changes in assets and liabilities, net of effects from purchase of companies acquired and the effect of new accounting standards: | |||||||||||||||||||||||||||||||||||||||||||
proceeds from securitizations of loans | |||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of interest-only bonds | |||||||||||||||||||||||||||||||||||||||||||
net cash from (payment for) companies acquired | |||||||||||||||||||||||||||||||||||||||||||
redemptions of acquired debt and noncontrolling interests | |||||||||||||||||||||||||||||||||||||||||||
net payments from redemption of preferred stock and warrants | |||||||||||||||||||||||||||||||||||||||||||
net cash from financing activities attributable to discontinued operations | |||||||||||||||||||||||||||||||||||||||||||
impact of the net fair value of assets acquired and liabilities assumed for acquisitions | 0 | 0 | 0 | 3,000,000 | |||||||||||||||||||||||||||||||||||||||
cumulative effect from adoption of new consolidation accounting standards | |||||||||||||||||||||||||||||||||||||||||||
transfers in | -572,000,000 | -180,000,000 | -29,000,000 | ||||||||||||||||||||||||||||||||||||||||
losses on sales | -7,000,000 | 18,000,000 | 5,000,000 | ||||||||||||||||||||||||||||||||||||||||
sales (purchases) of securities available for sale | |||||||||||||||||||||||||||||||||||||||||||
net payment for companies acquired | |||||||||||||||||||||||||||||||||||||||||||
net cash from investing activities attributable to discontinued operations | |||||||||||||||||||||||||||||||||||||||||||
issuance of senior notes | |||||||||||||||||||||||||||||||||||||||||||
net payments for acquisitions | 0 | -1,444,000,000 | |||||||||||||||||||||||||||||||||||||||||
goodwill impairment | |||||||||||||||||||||||||||||||||||||||||||
gains on sales of auto loans | |||||||||||||||||||||||||||||||||||||||||||
gains on extinguishment/repurchase of debt/senior notes | |||||||||||||||||||||||||||||||||||||||||||
transfers in and originations | |||||||||||||||||||||||||||||||||||||||||||
net cash from companies acquired | |||||||||||||||||||||||||||||||||||||||||||
other decrease in investing activities | |||||||||||||||||||||||||||||||||||||||||||
repurchase of senior notes | |||||||||||||||||||||||||||||||||||||||||||
net (payments)/proceeds from issuance/(redemption) of preferred stock and warrants |