Annual report pursuant to Section 13 and 15(d)

Loans and Leases and Allowance for Credit Losses (Details 2)

v2.4.0.6
Loans and Leases and Allowance for Credit Losses (Details 2) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period $ 1,249,008 $ 1,482,479 $ 900,227
Recoveries of loans previously charged-off 120,664 129,433 84,791
Loan charge-offs (557,753) (1,003,907) (1,561,378)
Provision for loan and lease losses 167,730 641,299 2,069,931
Allowance for loans sold or transferred to hoans held for sale (14,821) (296) (11,092)
ALLL balance, end of period 964,828 1,249,008 1,482,479
AULC balance, beginning of period 42,127 48,879 44,139
Provision for unfunded loan commitments and letters of credit 6,329 (6,752) 4,740
AULC Balance, end of period 48,456 42,127 48,879
ACL balance, end of period 1,013,284 1,291,135 1,531,358
Loan and lease balances by credit quality indicator      
Total commercial and industrial 14,699,371 13,063,293  
Total commercial real estate 5,825,709 6,651,156  
Automobile 4,457,446 5,614,711  
Home equity 8,215,413 7,713,154  
Residential mortgage 5,228,276 4,500,366  
Other consumer 497,568 563,827  
Automobile loans including automobile loans transferred to loans held for sale 5,707,446 [1]    
Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 13,733,049 11,700,235  
Total commercial real estate 4,651,334 4,939,732  
OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 247,860 424,077  
Total commercial real estate 357,445 489,282  
Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 711,443 917,836  
Total commercial real estate 815,700 1,220,459  
Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 7,019 21,145  
Total commercial real estate 1,230 1,683  
750+[Member]
     
Loan and lease balances by credit quality indicator      
Automobile   2,516,130 [2]  
Residential mortgage 2,454,401 [2] 1,978,843 [2]  
Other consumer 185,333 [2] 206,952 [2]  
Automobile loans including automobile loans transferred to loans held for sale 2,635,082 [1],[2]    
650-749 [Member]
     
Loan and lease balances by credit quality indicator      
Automobile   2,267,363 [2]  
Residential mortgage 1,752,409 [2] 1,580,266 [2]  
Other consumer 206,749 [2] 234,558 [2]  
Automobile loans including automobile loans transferred to loans held for sale 2,276,990 [1],[2]    
Less than 650 [Member]
     
Loan and lease balances by credit quality indicator      
Automobile   724,584 [2]  
Residential mortgage 723,377 [2] 795,676 [2]  
Other consumer 83,431 [2] 102,254 [2]  
Automobile loans including automobile loans transferred to loans held for sale 707,141 [1],[2]    
Other (2) [Member]
     
Loan and lease balances by credit quality indicator      
Automobile   106,634 [3]  
Residential mortgage 298,089 [3] 145,581 [3]  
Other consumer 22,055 [3] 20,063 [3]  
Automobile loans including automobile loans transferred to loans held for sale 88,233 [1],[3]    
Commercial and industrial owner occupied [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 4,012,756 3,823,463  
Commercial and industrial owner occupied [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 3,624,103 3,265,266  
Commercial and industrial owner occupied [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 101,897 159,398  
Commercial and industrial owner occupied [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 285,561 392,969  
Commercial and industrial owner occupied [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 1,195 5,830  
Other commercial and industrial [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 10,686,615 9,239,830  
Other commercial and industrial [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 10,108,946 8,434,969  
Other commercial and industrial [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 145,963 264,679  
Other commercial and industrial [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 425,882 524,867  
Other commercial and industrial [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial and industrial 5,824 15,315  
Commercial and Industrial [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 340,614 492,205  
Recoveries of loans previously charged-off 44,686 61,839  
Loan charge-offs (134,385) (316,771)  
Provision for loan and lease losses 24,452 103,341  
Allowance for loans sold or transferred to hoans held for sale 0 0  
ALLL balance, end of period 275,367 340,614  
AULC balance, beginning of period 32,726 34,555  
Provision for unfunded loan commitments and letters of credit 6,932 (1,829)  
AULC Balance, end of period 39,658 32,726  
ACL balance, end of period 315,025 373,340  
Commercial real estate retail properties [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 1,585,483 1,762,217  
Commercial real estate retail properties [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 1,191,471 1,283,667  
Commercial real estate retail properties [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 122,337 128,067  
Commercial real estate retail properties [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 271,675 350,478  
Commercial real estate retail properties [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 0 5  
Commercial real estate Multi family [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 943,545 1,121,616  
Commercial real estate Multi family [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 801,717 898,935  
Commercial real estate Multi family [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 48,094 78,577  
Commercial real estate Multi family [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 93,449 143,689  
Commercial real estate Multi family [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 285 415  
Commercial real estate office [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 1,024,864 1,123,127  
Commercial real estate office [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 896,230 867,970  
Commercial real estate office [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 67,050 122,173  
Commercial real estate office [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 61,476 132,833  
Commercial real estate office [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 108 151  
Commercial real estate Industrial and warehouse [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 729,542 852,952  
Commercial real estate Industrial and warehouse [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 649,165 668,452  
Commercial real estate Industrial and warehouse [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 9,688 72,177  
Commercial real estate Industrial and warehouse [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 70,621 112,323  
Commercial real estate Industrial and warehouse [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 68 0  
Other commercial real estate [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 1,542,275 1,791,244  
Other commercial real estate [Member] | Pass [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 1,112,751 1,220,708  
Other commercial real estate [Member] | OLEM [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 110,276 88,288  
Other commercial real estate [Member] | Substandard [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 318,479 481,136  
Other commercial real estate [Member] | Doubtful [Member]
     
Loan and lease balances by credit quality indicator      
Total commercial real estate 769 1,112  
Commercial Real Estate [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 588,251 751,875  
Recoveries of loans previously charged-off 34,658 28,433  
Loan charge-offs (182,759) (303,995)  
Provision for loan and lease losses (51,444) 111,938  
Allowance for loans sold or transferred to hoans held for sale 0 0  
ALLL balance, end of period 388,706 588,251  
AULC balance, beginning of period 6,158 12,194  
Provision for unfunded loan commitments and letters of credit (306) (6,036)  
AULC Balance, end of period 5,852 6,158  
ACL balance, end of period 394,558 594,409  
Automobile Loan [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 49,488 57,951  
Recoveries of loans previously charged-off 18,526 19,736  
Loan charge-offs (33,593) (46,308)  
Provision for loan and lease losses 17,042 18,109  
Allowance for loans sold or transferred to hoans held for sale (13,181) 0  
ALLL balance, end of period 38,282 49,488  
AULC balance, beginning of period 0 0  
Provision for unfunded loan commitments and letters of credit 0 0  
AULC Balance, end of period 0 0  
ACL balance, end of period 38,282 49,488  
Home Equity [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 150,630 102,039  
Recoveries of loans previously charged-off 7,630 1,458  
Loan charge-offs (109,427) (140,831) [4]  
Provision for loan and lease losses 95,040 187,964  
Allowance for loans sold or transferred to hoans held for sale 0 0  
ALLL balance, end of period 143,873 150,630  
AULC balance, beginning of period 2,348 1,179  
Provision for unfunded loan commitments and letters of credit (214) 1,169  
AULC Balance, end of period 2,134 2,348  
ACL balance, end of period 146,007 152,978  
Home equity secured by first-lien other [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 3,815,579 3,040,752  
Home equity secured by first-lien other [Member] | 750+[Member]
     
Loan and lease balances by credit quality indicator      
Home equity 2,196,566 [2] 1,643,792 [2]  
Home equity secured by first-lien other [Member] | 650-749 [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 1,287,444 [2] 1,082,143 [2]  
Home equity secured by first-lien other [Member] | Less than 650 [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 329,670 [2] 313,961 [2]  
Home equity secured by first-lien other [Member] | Other (2) [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 1,899 [3] 856 [3]  
Home equity Secured by second-lien [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 4,399,834 4,672,402  
Home equity Secured by second-lien [Member] | 750+[Member]
     
Loan and lease balances by credit quality indicator      
Home equity 2,119,292 [2] 2,224,545 [2]  
Home equity Secured by second-lien [Member] | 650-749 [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 1,646,117 [2] 1,768,450 [2]  
Home equity Secured by second-lien [Member] | Less than 650 [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 625,298 [2] 678,738 [2]  
Home equity Secured by second-lien [Member] | Other (2) [Member]
     
Loan and lease balances by credit quality indicator      
Home equity 9,127 [3] 669 [3]  
Residential Mortgage [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 93,289 55,903  
Recoveries of loans previously charged-off 8,388 10,532  
Loan charge-offs (65,069) (163,427) [5]  
Provision for loan and lease losses 52,226 190,577  
Allowance for loans sold or transferred to hoans held for sale (1,640) (296)  
ALLL balance, end of period 87,194 93,289  
AULC balance, beginning of period 1 2  
Provision for unfunded loan commitments and letters of credit 0 (1)  
AULC Balance, end of period 1 1  
ACL balance, end of period 87,195 93,290  
Other Consumer loan [Member]
     
Allowance For Credit Losses Roll Forward [Abstract]      
ALLL balance, beginning of period 26,736 22,506  
Recoveries of loans previously charged-off 6,776 7,435  
Loan charge-offs (32,520) (32,575)  
Provision for loan and lease losses 30,414 29,370  
Allowance for loans sold or transferred to hoans held for sale 0 0  
ALLL balance, end of period 31,406 26,736  
AULC balance, beginning of period 894 949  
Provision for unfunded loan commitments and letters of credit (83) (55)  
AULC Balance, end of period 811 894  
ACL balance, end of period $ 32,217 $ 27,630  
[1] Includes $1,250,000 thousand of loans reflected as loans held for sale related to a planned automobile securitization.
[2] Reflects currently updated customer credit scores.
[3] Reflects deferred fees and costs, loans in process, loans to legal entities, etc.
[4] Reflects $21 million of Franklin-related charge-offs.
[5] Reflects $71 million of Franklin-related charge-offs.