7Baggers

Citizens Financial Group, Inc
(NYSE:CFG) 

CFG stock logo

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segm...

Founded: 1828
Full Time Employees: 17,930
Sector: Financial Services
Industry: Banks-Regional
Financial ServicesRegional Bank
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At a glance:
Bull Thesis:
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Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 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 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 2019-09-30 2019-06-30 
                               
      interest income:
    		                           
      interest and fees on loans and leases
    		1,884,000,000 1,901,000,000 1,897,000,000 1,851,000,000 1,829,000,000 1,910,000,000 1,976,000,000 2,011,000,000 2,051,000,000 2,144,000,000 2,166,000,000 2,132,000,000 2,047,000,000 1,893,000,000 1,657,000,000 1,370,000,000 1,056,000,000 1,078,000,000 1,058,000,000 1,061,000,000 1,105,000,000 1,120,000,000 1,192,000,000 1,302,000,000 1,312,000,000 1,356,000,000 1,392,000,000 
      interest and fees on loans held for sale
    		21,000,000 22,000,000 31,000,000 36,000,000 16,000,000 32,000,000 18,000,000 13,000,000 14,000,000 18,000,000 20,000,000 20,000,000 15,000,000 16,000,000 18,000,000 17,000,000            
      investment securities
    		424,000,000 434,000,000 433,000,000 428,000,000 418,000,000 419,000,000 423,000,000 417,000,000 399,000,000 339,000,000 290,000,000 267,000,000 266,000,000 258,000,000 243,000,000 201,000,000 119,000,000 116,000,000 124,000,000 128,000,000 121,000,000 121,000,000 130,000,000 147,000,000 159,000,000 153,000,000 164,000,000 
      interest-bearing deposits in banks
    		91,000,000 89,000,000 97,000,000 92,000,000 89,000,000 112,000,000 121,000,000 130,000,000 140,000,000 171,000,000 111,000,000 100,000,000 69,000,000 75,000,000 36,000,000 13,000,000 4,000,000 6,000,000 3,000,000 3,000,000 3,000,000 2,000,000 1,000,000 5,000,000 7,000,000 8,000,000 7,000,000 
      total interest income
    		2,420,000,000 2,446,000,000 2,458,000,000 2,407,000,000 2,352,000,000 2,462,000,000 2,539,000,000 2,575,000,000 2,610,000,000 2,676,000,000 2,595,000,000 2,531,000,000 2,402,000,000 2,252,000,000 1,969,000,000 1,626,000,000 1,202,000,000 1,222,000,000 1,211,000,000 1,216,000,000 1,249,000,000 1,280,000,000 1,350,000,000 1,478,000,000 1,501,000,000 1,538,000,000 1,580,000,000 
      interest expense:
    		                           
      deposits
    		715,000,000 781,000,000 816,000,000 802,000,000 795,000,000 883,000,000 990,000,000 965,000,000 987,000,000 974,000,000 898,000,000 723,000,000 550,000,000 396,000,000 176,000,000 54,000,000 33,000,000 35,000,000 42,000,000 50,000,000 69,000,000 89,000,000 124,000,000 227,000,000 263,000,000 297,000,000 308,000,000 
      short-term borrowed funds
    		4,000,000  5,000,000 9,000,000 8,000,000 1,000,000 3,000,000 4,000,000 7,000,000 7,000,000 8,000,000 22,000,000 6,000,000 2,000,000 11,000,000 10,000,000     1,000,000   1,000,000    
      long-term borrowed funds
    		139,000,000 128,000,000 149,000,000 159,000,000 158,000,000 166,000,000 177,000,000 196,000,000 174,000,000 207,000,000 167,000,000 198,000,000 203,000,000 159,000,000 117,000,000 57,000,000 42,000,000 42,000,000 45,000,000 49,000,000 50,000,000 54,000,000 66,000,000 90,000,000 93,000,000 94,000,000 102,000,000 
      total interest expense
    		858,000,000 909,000,000 970,000,000 970,000,000 961,000,000 1,050,000,000 1,170,000,000 1,165,000,000 1,168,000,000 1,188,000,000 1,073,000,000 943,000,000 759,000,000 557,000,000 304,000,000 121,000,000 76,000,000 77,000,000 87,000,000 99,000,000 120,000,000 143,000,000 190,000,000 318,000,000 358,000,000 393,000,000 414,000,000 
      net interest income
    		1,562,000,000 1,537,000,000 1,488,000,000 1,437,000,000 1,391,000,000 1,412,000,000 1,369,000,000 1,410,000,000 1,442,000,000 1,488,000,000 1,522,000,000 1,588,000,000 1,643,000,000 1,695,000,000 1,665,000,000 1,505,000,000 1,126,000,000 1,145,000,000 1,124,000,000 1,117,000,000 1,129,000,000 1,137,000,000 1,160,000,000 1,160,000,000 1,143,000,000 1,145,000,000 1,166,000,000 
      provision for credit losses
    		140,000,000 137,000,000 154,000,000 164,000,000 153,000,000 162,000,000 172,000,000 182,000,000 171,000,000 171,000,000 172,000,000 176,000,000 168,000,000   216,000,000 -25,000,000 -33,000,000  -140,000,000 373,000,000 428,000,000  600,000,000 70,750,000 101,000,000  
      net interest income after provision for credit losses
    		1,422,000,000 1,400,000,000 1,334,000,000 1,273,000,000 1,238,000,000 1,250,000,000 1,197,000,000 1,228,000,000 1,271,000,000 1,317,000,000 1,350,000,000 1,412,000,000 1,475,000,000   1,289,000,000 1,151,000,000 1,178,000,000  1,257,000,000 491,250,000 709,000,000  560,000,000 797,000,000 1,044,000,000  
      noninterest income:
    		                           
      service charges and fees
    		112,000,000 112,000,000 112,000,000 111,000,000 109,000,000 109,000,000 109,000,000 106,000,000 96,000,000 104,000,000 105,000,000 101,000,000 100,000,000 105,000,000 109,000,000 108,000,000 100,000,000 110,000,000 100,000,000 99,000,000 104,000,000 97,000,000 84,000,000 118,000,000 128,000,000 128,000,000 126,000,000 
      capital markets fees
    		134,000,000 140,000,000 166,000,000 105,000,000 100,000,000 121,000,000 94,000,000 134,000,000 118,000,000 87,000,000 67,000,000 82,000,000 83,000,000 98,000,000 89,000,000 88,000,000 184,000,000 72,000,000 91,000,000 81,000,000 88,000,000 58,000,000 61,000,000 43,000,000 66,000,000 39,000,000 57,000,000 
      wealth fees
    		100,000,000 98,000,000 93,000,000 88,000,000 81,000,000 75,000,000 76,000,000 75,000,000                    
      card fees
    		83,000,000 86,000,000 87,000,000 90,000,000 83,000,000 97,000,000 93,000,000 92,000,000 86,000,000 70,000,000 74,000,000 80,000,000 72,000,000 71,000,000 71,000,000 71,000,000 65,000,000 66,000,000 64,000,000 55,000,000 56,000,000 57,000,000 48,000,000 56,000,000 64,000,000 67,000,000 64,000,000 
      mortgage banking fees
    		42,000,000 52,000,000 49,000,000 73,000,000 59,000,000 60,000,000 46,000,000 54,000,000 49,000,000 57,000,000 69,000,000 59,000,000 57,000,000 54,000,000 66,000,000 72,000,000 76,000,000 108,000,000 85,000,000 165,000,000 193,000,000 287,000,000 276,000,000 159,000,000 80,000,000 117,000,000 62,000,000 
      foreign exchange and derivative products
    		44,000,000 34,000,000 42,000,000 41,000,000 39,000,000 35,000,000 36,000,000 39,000,000 36,000,000 43,000,000 48,000,000 44,000,000 48,000,000 35,000,000 42,000,000 60,000,000            
      letter of credit and loan fees
    		50,000,000 49,000,000 48,000,000 45,000,000 44,000,000 45,000,000 45,000,000 43,000,000 42,000,000 42,000,000 43,000,000 43,000,000 40,000,000 41,000,000 40,000,000 40,000,000 41,000,000 39,000,000 38,000,000 38,000,000 38,000,000 37,000,000 31,000,000 34,000,000 35,000,000 34,000,000 33,000,000 
      securities gains
    		7,000,000 8,000,000 2,000,000 5,000,000 7,000,000 4,000,000 9,000,000  5,000,000 9,000,000 5,000,000 9,000,000 5,000,000 4,000,000  1,000,000 1,000,000 3,000,000 3,000,000 3,000,000  1,000,000 3,000,000  4,000,000 3,000,000 4,000,000 
      other income
    		34,000,000 41,000,000 31,000,000 42,000,000 22,000,000 28,000,000 24,000,000 10,000,000 17,000,000 20,000,000 18,000,000 23,000,000 17,000,000 36,000,000 34,000,000 -12,000,000 32,000,000 26,000,000 16,000,000 15,000,000 12,000,000 37,000,000 8,000,000 10,000,000 16,000,000 21,000,000 28,000,000 
      total noninterest income
    		606,000,000 620,000,000 630,000,000 600,000,000 544,000,000 574,000,000 532,000,000 553,000,000 517,000,000 500,000,000 492,000,000 506,000,000 485,000,000 505,000,000 512,000,000 494,000,000 594,000,000 514,000,000 485,000,000 542,000,000 578,000,000 654,000,000 590,000,000 497,000,000 494,000,000 493,000,000 462,000,000 
      noninterest expense:
    		                           
      salaries and employee benefits
    		758,000,000 716,000,000 705,000,000 681,000,000 696,000,000 674,000,000 647,000,000 645,000,000 691,000,000 667,000,000 659,000,000 615,000,000 658,000,000 633,000,000 639,000,000 683,000,000 551,000,000 509,000,000 524,000,000 548,000,000 537,000,000 524,000,000 513,000,000 549,000,000 502,000,000 508,000,000 507,000,000 
      equipment and software
    		197,000,000 199,000,000 197,000,000 193,000,000 194,000,000 193,000,000 194,000,000 190,000,000 192,000,000 215,000,000 191,000,000 181,000,000 169,000,000 170,000,000 159,000,000 169,000,000 146,000,000 157,000,000 155,000,000 152,000,000        
      outside services
    		162,000,000 148,000,000 161,000,000 169,000,000 155,000,000 170,000,000 146,000,000 165,000,000 158,000,000 174,000,000 160,000,000 177,000,000 176,000,000 170,000,000 172,000,000 189,000,000 175,000,000 144,000,000 137,000,000 139,000,000 148,000,000 139,000,000 131,000,000 135,000,000 142,000,000 128,000,000 118,000,000 
      occupancy
    		114,000,000 109,000,000 106,000,000 108,000,000 112,000,000 112,000,000 108,000,000 113,000,000 114,000,000 125,000,000 107,000,000 136,000,000 124,000,000 110,000,000 106,000,000 111,000,000 86,000,000 77,000,000 82,000,000 88,000,000 84,000,000 81,000,000 82,000,000 84,000,000 88,000,000 80,000,000 82,000,000 
      other operating expense
    		147,000,000 171,000,000 166,000,000 168,000,000 157,000,000 167,000,000 164,000,000 188,000,000 203,000,000 431,000,000 176,000,000 197,000,000 169,000,000 157,000,000 165,000,000 153,000,000 103,000,000 124,000,000 93,000,000 91,000,000 102,000,000 95,000,000 111,000,000 111,000,000 121,000,000 127,000,000 118,000,000 
      total noninterest expense
    		1,378,000,000 1,343,000,000 1,335,000,000 1,319,000,000 1,314,000,000 1,316,000,000 1,259,000,000 1,301,000,000 1,358,000,000 1,612,000,000 1,293,000,000 1,306,000,000 1,296,000,000 1,240,000,000 1,241,000,000 1,305,000,000 1,061,000,000 1,011,000,000 991,000,000 1,018,000,000 1,012,000,000 988,000,000 979,000,000 1,012,000,000 986,000,000 973,000,000 951,000,000 
      income before income tax expense
    		650,000,000 677,000,000 629,000,000 554,000,000 468,000,000 508,000,000 470,000,000 480,000,000 430,000,000 205,000,000 549,000,000 612,000,000 664,000,000 828,000,000 813,000,000 478,000,000 684,000,000 681,000,000 831,000,000 781,000,000 571,000,000 375,000,000 307,000,000 45,000,000 541,000,000 564,000,000 580,000,000 
      income tax expense
    		133,000,000 149,000,000 135,000,000 118,000,000 95,000,000 107,000,000 88,000,000 88,000,000 96,000,000 16,000,000 119,000,000 134,000,000 153,000,000 175,000,000 177,000,000 114,000,000 154,000,000 151,000,000 183,000,000 170,000,000 115,000,000 61,000,000 54,000,000 11,000,000 91,000,000 115,000,000 127,000,000 
      net income
    		517,000,000 528,000,000 494,000,000 436,000,000 373,000,000 401,000,000 382,000,000 392,000,000 334,000,000 189,000,000 430,000,000 478,000,000 511,000,000 653,000,000 636,000,000 364,000,000 530,000,000 530,000,000 648,000,000 611,000,000 456,000,000 314,000,000 253,000,000 34,000,000 450,000,000 449,000,000 453,000,000 
      yoy
    		38.61% 31.67% 29.32% 11.22% 11.68% 112.17% -11.16% -17.99% -34.64% -71.06% -32.39% 31.32% -3.58% 23.21% -1.85% -40.43% 16.23% 68.79% 156.13% 1697.06% 1.33% -30.07% -44.15%     
      qoq
    		-2.08% 6.88% 13.30% 16.89% -6.98% 4.97% -2.55% 17.37% 76.72% -56.05% -10.04% -6.46% -21.75% 2.67% 74.73% -31.32% 0.00% -18.21% 6.06% 33.99% 45.22% 24.11% 644.12% -92.44% 0.22% -0.88%  
      net income available to common stockholders
    		484,000,000 489,000,000 457,000,000 402,000,000 340,000,000 367,000,000 344,000,000 357,000,000 304,000,000 159,000,000 400,000,000 444,000,000 488,000,000 621,000,000 611,000,000 332,000,000 498,000,000 504,000,000 616,000,000 588,000,000 424,000,000 289,000,000 225,000,000 12,000,000 427,000,000 432,000,000 435,000,000 
      weighted-average common shares outstanding:
    		                           
      basic
    		425,344,491,000,000 433,173,162,000,000 431,365,552,000,000 433,640,210,000,000 438,320,757,000,000 450,678,038,000,000 446,561,996,000,000 454,142,489,000,000 461,358,681,000,000 475,089,384,000,000 469,481,085,000,000 479,470,543,000,000 485,444,313,000,000 475,959,815,000,000 495,651,083,000,000 491,497,026,000,000 425,669,451,000,000 426,086,717,000,000 425,948,706,000,000 425,953,716,000,000 427,062,537,000,000 426,846,096,000,000 426,613,053,000,000 427,718,421,000,000 449,731,453,000,000 445,703,987,000,000 458,154,335,000,000 
      diluted
    		429,894,837,000,000 436,890,731,000,000 435,472,350,000,000 436,539,774,000,000 442,200,180,000,000 453,510,245,000,000 449,913,467,000,000 456,561,022,000,000 463,797,964,000,000 476,693,148,000,000 471,183,719,000,000 480,975,281,000,000 487,712,146,000,000 477,803,142,000,000 497,477,501,000,000 493,296,114,000,000 427,435,818,000,000 427,840,964,000,000 427,561,572,000,000 427,880,530,000,000 428,157,780,000,000 427,992,349,000,000 427,566,920,000,000 429,388,855,000,000 451,213,701,000,000 447,134,595,000,000 459,304,224,000,000 
      per common share information:
    		                           
      basic earnings
    		1,140,000 1,140,000 1,060,000 930,000 780,000 840,000 770,000 790,000 660,000 350,000 850,000 930,000 1,000,000 1,270,000 1,230,000 680,000 1,170,000 1,180,000 1,450,000 1,380,000 990,000 680,000 530,000 30,000 980,000 970,000 950,000 
      diluted earnings
    		1,130,000 1,120,000 1,050,000 920,000 770,000 830,000 770,000 780,000 650,000 350,000 850,000 920,000 1,000,000 1,260,000 1,230,000 670,000 1,170,000 1,180,000 1,440,000 1,370,000 990,000 680,000 530,000 30,000 980,000 970,000 950,000 
      interest and fees on other loans held for sale
    		     2,750,000 1,000,000 4,000,000 6,000,000 4,000,000 8,000,000 12,000,000 5,000,000 10,000,000 15,000,000 25,000,000 4,000,000 1,000,000 2,000,000 6,000,000 1,000,000 16,000,000 7,000,000 9,000,000 5,000,000 2,000,000 2,000,000 
      trust and investment services fees
    		        68,000,000 68,000,000 63,000,000 65,000,000 63,000,000 61,000,000 61,000,000 66,000,000 60,000,000 61,000,000 60,000,000 58,000,000 52,000,000 53,000,000 45,000,000 53,000,000 52,000,000 50,000,000 53,000,000 
      benefit for credit losses
    		             85,500,000 123,000,000             
      net interest income after benefit for credit losses
    		             993,750,000 1,542,000,000             
      interest and fees on loans held for sale, at fair value
    		                19,000,000 21,000,000 24,000,000 18,000,000 19,000,000 21,000,000 20,000,000 15,000,000 18,000,000 19,000,000 15,000,000 
      foreign exchange and interest rate products
    		                35,000,000 29,000,000 28,000,000 28,000,000 35,000,000 27,000,000 34,000,000 24,000,000 49,000,000 35,000,000 35,000,000 
      benefit from credit losses
    		                  -213,000,000    464,000,000    97,000,000 
      net interest income after benefit from credit losses
    		                  1,337,000,000    696,000,000    1,069,000,000 
      net impairment losses recognized in earnings on debt securities
    		                           
      equipment and software expense
    		                    141,000,000 149,000,000 142,000,000 133,000,000 133,000,000 130,000,000 126,000,000 
      federal funds purchased and securities sold under agreements to repurchase
    		                        1,000,000 2,000,000 3,000,000 
      other short-term borrowed funds
    		                        1,000,000  1,000,000 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 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 2019-09-30 2019-06-30 2019-03-31 2018-03-31 2017-06-30 2014-09-30 
                                      
        assets:
      		                                
        cash and due from banks
      		1,084,000,000 1,464,000,000 1,254,000,000 1,107,000,000 1,082,000,000 1,409,000,000 979,000,000 1,191,000,000 1,098,000,000 1,794,000,000 1,395,000,000 1,689,000,000 1,283,000,000 1,489,000,000 1,235,000,000 1,456,000,000 1,223,000,000 1,155,000,000 1,145,000,000 1,035,000,000 1,117,000,000 1,037,000,000 904,000,000 1,088,000,000 1,155,000,000 1,175,000,000 1,638,000,000 996,000,000 923,000,000 1,172,000,000 904,000,000 993,000,000 
        interest-bearing cash and due from banks
      		11,246,000,000 11,263,000,000 10,396,000,000 7,441,000,000 10,459,000,000 9,192,000,000 9,936,000,000 10,580,000,000 10,501,000,000 9,834,000,000 14,005,000,000 9,878,000,000 6,691,000,000 9,058,000,000 6,925,000,000 5,058,000,000 8,713,000,000 8,003,000,000 12,571,000,000 11,606,000,000 13,543,000,000 11,696,000,000 8,312,000,000 6,358,000,000 2,903,000,000 2,211,000,000 2,204,000,000 2,039,000,000 1,513,000,000 2,687,000,000 3,263,000,000 1,896,000,000 
        interest-bearing deposits in banks
      		830,000,000 961,000,000 694,000,000 680,000,000 685,000,000 635,000,000 648,000,000 559,000,000 392,000,000 405,000,000 324,000,000 284,000,000 320,000,000 303,000,000 261,000,000 469,000,000 685,000,000 316,000,000 289,000,000 401,000,000 308,000,000 306,000,000 328,000,000 475,000,000 280,000,000 297,000,000 158,000,000 186,000,000 167,000,000 142,000,000 433,000,000 292,000,000 
        debt securities available for sale, at fair value
      		36,361,000,000 35,697,000,000 35,419,000,000 34,658,000,000 34,208,000,000 32,765,000,000 32,835,000,000 31,938,000,000 31,187,000,000 29,777,000,000 25,069,000,000 24,755,000,000 23,845,000,000 24,007,000,000 23,478,000,000 24,961,000,000 25,319,000,000 26,067,000,000 24,911,000,000 24,583,000,000 24,467,000,000 22,942,000,000 22,884,000,000 22,144,000,000 22,307,000,000 20,613,000,000 21,502,000,000 21,698,000,000 21,504,000,000 19,958,000,000   
        debt securities held to maturity
      		7,800,000,000 7,933,000,000 8,124,000,000 8,293,000,000 8,469,000,000 8,599,000,000 8,738,000,000 8,895,000,000 9,054,000,000 9,184,000,000 9,320,000,000 9,520,000,000 9,677,000,000 9,834,000,000 10,071,000,000 9,567,000,000 2,056,000,000 2,242,000,000 2,492,000,000 2,711,000,000 2,995,000,000 3,235,000,000 2,578,000,000 2,856,000,000 3,071,000,000 3,202,000,000 3,319,000,000 3,447,000,000 3,345,000,000 4,555,000,000   
        loans held for sale
      		1,537,000,000 1,198,000,000 1,334,000,000 2,093,000,000 2,820,000,000 858,000,000                           
        loans and leases
      		143,667,000,000 142,692,000,000 140,870,000,000 139,304,000,000 137,635,000,000 139,203,000,000 141,632,000,000 141,842,000,000 143,188,000,000 145,959,000,000 149,746,000,000 151,320,000,000 154,688,000,000 156,662,000,000 156,140,000,000 156,172,000,000 131,305,000,000 128,163,000,000 123,318,000,000 122,581,000,000 122,195,000,000 123,090,000,000 124,071,000,000 125,713,000,000 127,528,000,000 119,088,000,000 117,880,000,000 116,838,000,000 117,615,000,000 111,425,000,000 109,046,000,000 90,749,000,000 
        less: allowance for loan and lease losses
      		-1,958,000,000 -1,943,000,000 -1,972,000,000 -2,008,000,000 -2,014,000,000 -2,061,000,000 -2,079,000,000 -2,125,000,000 -2,086,000,000 -2,098,000,000 -2,080,000,000 -2,044,000,000 -2,017,000,000 -1,983,000,000 -1,980,000,000 -1,964,000,000 -1,720,000,000 -1,758,000,000 -1,855,000,000 -1,947,000,000 -2,194,000,000 -2,443,000,000 -2,542,000,000 -2,448,000,000 -2,171,000,000 -1,252,000,000 -1,263,000,000 -1,227,000,000 -1,245,000,000 -1,246,000,000  1,201,000,000 
        net loans and leases
      		141,709,000,000 140,749,000,000 138,898,000,000 137,296,000,000 135,621,000,000 137,142,000,000 139,553,000,000 139,717,000,000 141,102,000,000 143,861,000,000 147,666,000,000 149,276,000,000 152,671,000,000 154,679,000,000 154,160,000,000 154,208,000,000 129,585,000,000 126,405,000,000 121,463,000,000 120,634,000,000 120,001,000,000 120,647,000,000 121,529,000,000 123,265,000,000 125,357,000,000 117,836,000,000 116,617,000,000 115,611,000,000 116,370,000,000 110,179,000,000 107,827,000,000 89,548,000,000 
        premises and equipment
      		874,000,000 915,000,000 857,000,000 855,000,000 855,000,000 875,000,000 862,000,000 863,000,000 872,000,000 895,000,000 878,000,000 876,000,000 866,000,000 844,000,000 827,000,000 885,000,000 793,000,000 768,000,000 732,000,000 735,000,000 743,000,000 759,000,000 747,000,000 751,000,000 746,000,000 761,000,000 747,000,000 740,000,000 746,000,000 687,000,000 600,000,000 541,000,000 
        bank-owned life insurance
      		3,464,000,000 3,441,000,000 3,422,000,000 3,408,000,000 3,386,000,000 3,364,000,000 3,346,000,000 3,325,000,000 3,311,000,000 3,291,000,000 3,275,000,000 3,263,000,000 3,244,000,000 3,236,000,000 3,222,000,000 3,207,000,000 2,960,000,000 2,843,000,000 2,428,000,000 2,268,000,000 2,135,000,000 1,756,000,000 1,751,000,000 1,739,000,000 1,736,000,000 1,725,000,000 1,720,000,000 1,711,000,000 1,705,000,000 1,669,000,000 1,636,000,000 1,370,000,000 
        goodwill
      		8,221,000,000 8,187,000,000 8,187,000,000 8,187,000,000 8,187,000,000 8,187,000,000 8,187,000,000 8,187,000,000 8,188,000,000 8,188,000,000 8,188,000,000 8,188,000,000 8,177,000,000 8,173,000,000 8,160,000,000 8,081,000,000 7,232,000,000 7,116,000,000 7,065,000,000 7,050,000,000 7,050,000,000 7,050,000,000 7,050,000,000 7,050,000,000 7,050,000,000 7,044,000,000 7,044,000,000 7,040,000,000 7,040,000,000 6,887,000,000 6,887,000,000 6,876,000,000 
        other intangible assets
      		112,000,000 115,000,000 123,000,000 129,000,000 137,000,000 146,000,000 137,000,000 139,000,000 148,000,000 157,000,000 167,000,000 175,000,000 185,000,000 197,000,000                   
        other assets
      		14,680,000,000 14,428,000,000 13,318,000,000 13,331,000,000 13,479,000,000 13,941,000,000 13,236,000,000 13,494,000,000 13,571,000,000 13,359,000,000 13,613,000,000 13,022,000,000 12,873,000,000 13,089,000,000 13,031,000,000 13,696,000,000 10,040,000,000 8,810,000,000 8,872,000,000 8,728,000,000 9,181,000,000 8,003,000,000 6,739,000,000 6,378,000,000 5,911,000,000 5,878,000,000 5,333,000,000 5,241,000,000 5,418,000,000 3,439,000,000 3,097,000,000 2,155,000,000 
        total assets
      		227,918,000,000 226,351,000,000 222,747,000,000 218,310,000,000 220,148,000,000 217,521,000,000 219,706,000,000 219,938,000,000 220,448,000,000 221,964,000,000 225,270,000,000 223,066,000,000 222,256,000,000 226,733,000,000 224,684,000,000 226,712,000,000 192,097,000,000 188,409,000,000 187,007,000,000 185,104,000,000 187,217,000,000 183,349,000,000 179,228,000,000 179,874,000,000 176,719,000,000 165,733,000,000 164,362,000,000 162,749,000,000 161,342,000,000 153,453,000,000 151,407,000,000 131,341,000,000 
        liabilities and stockholders’ equity:
      		                                
        liabilities:
      		                                
        deposits:
      		                                
        noninterest-bearing
      		41,672,000,000 40,417,000,000 39,472,000,000 38,001,000,000 37,556,000,000 36,920,000,000 35,978,000,000 36,927,000,000 36,593,000,000 37,107,000,000 38,561,000,000 40,286,000,000 44,326,000,000 49,283,000,000 51,888,000,000 54,169,000,000 50,113,000,000 49,443,000,000 48,184,000,000 47,480,000,000 46,067,000,000 43,831,000,000 41,249,000,000 40,545,000,000 32,398,000,000 29,233,000,000 29,939,000,000 28,192,000,000 28,383,000,000 28,437,000,000 27,814,000,000 25,877,000,000 
        interest-bearing
      		142,363,000,000 142,896,000,000 140,539,000,000 137,085,000,000 140,020,000,000 137,856,000,000 139,210,000,000 139,425,000,000 139,835,000,000 140,235,000,000 139,636,000,000 137,381,000,000 127,868,000,000 131,441,000,000 126,678,000,000 124,756,000,000 108,663,000,000 104,918,000,000 104,037,000,000 103,156,000,000 105,282,000,000 103,333,000,000 101,672,000,000 103,073,000,000 101,077,000,000 96,080,000,000 94,775,000,000 95,812,000,000 95,533,000,000 87,293,000,000 85,799,000,000 67,586,000,000 
        total deposits
      		184,035,000,000 183,313,000,000 180,011,000,000 175,086,000,000 177,576,000,000 174,776,000,000 175,188,000,000 176,352,000,000 176,428,000,000 177,342,000,000 178,197,000,000 177,667,000,000 172,194,000,000 180,724,000,000 178,566,000,000 178,925,000,000 158,776,000,000 154,361,000,000 152,221,000,000 150,636,000,000 151,349,000,000 147,164,000,000 142,921,000,000 143,618,000,000 133,475,000,000 125,313,000,000 124,714,000,000 124,004,000,000 123,916,000,000 115,730,000,000 113,613,000,000 93,463,000,000 
        short-term borrowed funds
      		54,000,000 58,000,000 214,000,000 249,000,000 47,000,000  15,000,000 2,000,000 9,000,000 505,000,000 232,000,000 1,099,000,000 1,018,000,000 3,000,000 263,000,000 3,763,000,000 25,000,000 74,000,000 8,000,000 62,000,000 70,000,000 243,000,000 252,000,000 255,000,000 1,059,000,000        
        long-term borrowed funds
      		12,260,000,000 11,224,000,000 10,441,000,000 12,526,000,000 12,267,000,000 12,401,000,000 13,944,000,000 13,082,000,000 13,804,000,000 13,467,000,000 17,354,000,000 14,100,000,000 18,855,000,000 15,887,000,000 16,286,000,000 14,440,000,000 5,894,000,000 6,932,000,000 6,947,000,000 6,957,000,000 8,316,000,000 8,346,000,000 9,109,000,000 9,202,000,000 16,437,000,000 14,047,000,000 12,806,000,000 11,538,000,000 11,725,000,000 13,486,000,000 13,154,000,000 2,062,000,000 
        other liabilities
      		5,397,000,000 5,439,000,000 5,514,000,000 4,449,000,000 4,509,000,000 4,870,000,000 4,615,000,000 5,086,000,000 4,741,000,000 4,746,000,000 4,500,000,000 4,345,000,000 4,284,000,000 4,520,000,000 4,196,000,000 4,252,000,000 4,693,000,000 3,425,000,000 3,532,000,000 3,386,000,000 4,125,000,000 4,166,000,000 3,739,000,000 3,319,000,000 2,782,000,000 2,912,000,000 2,795,000,000 2,619,000,000 2,549,000,000 1,479,000,000 1,244,000,000 1,455,000,000 
        total liabilities
      		201,746,000,000 200,034,000,000 196,918,000,000 193,076,000,000 195,282,000,000 193,267,000,000 194,774,000,000 196,069,000,000 196,687,000,000 197,622,000,000 202,392,000,000 199,481,000,000 198,055,000,000 203,043,000,000 201,538,000,000 202,384,000,000 170,023,000,000 164,989,000,000 163,584,000,000 161,905,000,000 164,564,000,000 160,676,000,000 156,759,000,000 157,456,000,000 154,769,000,000 143,532,000,000 142,511,000,000 140,732,000,000 139,811,000,000 133,394,000,000 131,343,000,000 111,958,000,000 
        commitments and contingencies
      		                                
        stockholders’ equity:
      		                                
        preferred stock:
      		                                
        25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at march 31, 2026 and december 31, 2025
      		2,111,000,000                                
        common stock:
      		                                
        0.01 par value...
      		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 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 6,000,000  
        additional paid-in capital
      		22,466,000,000 22,476,000,000 22,448,000,000 22,420,000,000 22,370,000,000 22,364,000,000 22,327,000,000 22,299,000,000 22,272,000,000 22,250,000,000 22,231,000,000 22,207,000,000 22,183,000,000 22,142,000,000 22,121,000,000 22,100,000,000 19,021,000,000 19,005,000,000 18,981,000,000 18,964,000,000 18,945,000,000 18,940,000,000 18,922,000,000 18,908,000,000 18,901,000,000 18,891,000,000 18,876,000,000 18,860,000,000 18,847,000,000 18,797,000,000 18,761,000,000 18,660,000,000 
        retained earnings
      		11,631,000,000 11,345,000,000 11,056,000,000 10,783,000,000 10,566,000,000 10,412,000,000 10,233,000,000 10,079,000,000 9,923,000,000 9,816,000,000 9,856,000,000 9,655,000,000 9,416,000,000 9,159,000,000 8,748,000,000 8,346,000,000 8,209,000,000 7,978,000,000 7,648,000,000 7,314,000,000 6,866,000,000 6,445,000,000 6,189,000,000 6,068,000,000 6,011,000,000 6,498,000,000 6,229,000,000 5,959,000,000 5,672,000,000 4,437,000,000 3,191,000,000 1,152,000,000 
        treasury stock
      		-7,955,000,000 -7,652,000,000 -7,526,000,000 -7,450,000,000 -7,249,000,000 -7,047,000,000 -6,820,000,000 -6,492,000,000 -6,290,000,000 -5,986,000,000 -5,986,000,000 -5,734,000,000 -5,475,000,000 -5,071,000,000 -4,920,000,000 -4,920,000,000 -4,918,000,000 -4,918,000,000 -4,718,000,000 -4,718,000,000 -4,718,000,000 -4,623,000,000 -4,623,000,000 -4,623,000,000 -4,623,000,000 -4,353,000,000 -3,953,000,000 -3,453,000,000 -3,333,000,000 -2,283,000,000   
        accumulated other comprehensive income
      		-2,088,000,000 -1,970,000,000 -2,267,000,000 -2,639,000,000 -2,941,000,000 -3,595,000,000 -2,926,000,000 -4,135,000,000 -4,164,000,000 -3,758,000,000 -5,243,000,000 -4,563,000,000 -3,943,000,000 -4,560,000,000 -4,823,000,000 -3,218,000,000 -2,258,000,000 -665,000,000 -508,000,000 -381,000,000   10,000,000 94,000,000 85,000,000        
        total stockholders’ equity
      		26,172,000,000 26,317,000,000 25,829,000,000 25,234,000,000 24,866,000,000 24,254,000,000 24,932,000,000 23,869,000,000 23,761,000,000 24,342,000,000 22,878,000,000 23,585,000,000 24,201,000,000 23,690,000,000 23,146,000,000 24,328,000,000 22,074,000,000 23,420,000,000 23,423,000,000 23,199,000,000 22,653,000,000 22,673,000,000 22,469,000,000 22,418,000,000 21,950,000,000 22,201,000,000 21,851,000,000 22,017,000,000 21,531,000,000 20,059,000,000 20,064,000,000  
        total liabilities and stockholders’ equity
      		227,918,000,000 226,351,000,000 222,747,000,000 218,310,000,000 220,148,000,000 217,521,000,000 219,706,000,000 219,938,000,000 220,448,000,000 221,964,000,000 225,270,000,000 223,066,000,000 222,256,000,000 226,733,000,000 224,684,000,000 226,712,000,000 192,097,000,000 188,409,000,000 187,007,000,000 185,104,000,000 187,217,000,000 183,349,000,000 179,228,000,000 179,874,000,000 176,719,000,000 165,733,000,000 164,362,000,000 162,749,000,000 161,342,000,000 153,453,000,000 151,407,000,000  
        25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at december 31, 2025 and 2024
      		 2,111,000,000                               
        derivative assets
      		  721,000,000 832,000,000 760,000,000 408,000,000 586,000,000 367,000,000 469,000,000 440,000,000 522,000,000 719,000,000 569,000,000 842,000,000 1,352,000,000 1,669,000,000 1,675,000,000 1,216,000,000 1,769,000,000 1,655,000,000 1,298,000,000 1,915,000,000 2,030,000,000 2,069,000,000 1,968,000,000 807,000,000 1,027,000,000 833,000,000 465,000,000 274,000,000 408,000,000 547,000,000 
        derivative liabilities
      		  738,000,000 766,000,000 883,000,000 1,220,000,000 1,012,000,000 1,547,000,000 1,705,000,000 1,562,000,000 2,109,000,000 2,270,000,000 1,704,000,000 1,909,000,000 2,227,000,000 1,004,000,000 635,000,000 197,000,000 187,000,000 144,000,000 111,000,000 128,000,000 100,000,000 198,000,000 234,000,000 120,000,000 161,000,000 106,000,000 173,000,000 331,000,000 159,000,000 638,000,000 
        25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at september 30, 2025 and december 31, 2024
      		  2,111,000,000                              
        25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at june 30, 2025 and december 31, 2024
      		   2,113,000,000                             
        25.00 par value,100,000,000 shares authorized; 2,150,000 shares issued and outstanding at march 31, 2025 and december 31, 2024
      		    2,113,000,000                            
        25.00 par value,100,000,000 shares authorized; 2,150,000 and 2,050,000 shares issued and outstanding at december 31, 2024 and 2023, respectively
      		     2,113,000,000                           
        loans held for sale, at fair value
      		      614,000,000 591,000,000 505,000,000 676,000,000 749,000,000 1,225,000,000 855,000,000 774,000,000 1,048,000,000 1,377,000,000 1,717,000,000 2,733,000,000 3,177,000,000 3,616,000,000 4,304,000,000 3,564,000,000 3,587,000,000 3,631,000,000 2,911,000,000 1,946,000,000 1,993,000,000 1,750,000,000 1,186,000,000 478,000,000 520,000,000 205,000,000 
        other loans held for sale
      		      49,000,000 92,000,000 50,000,000 103,000,000 99,000,000 196,000,000 1,000,000,000 208,000,000 914,000,000 2,078,000,000 99,000,000 735,000,000 93,000,000 82,000,000 75,000,000 439,000,000 127,000,000 1,362,000,000 350,000,000 1,384,000,000 22,000,000 455,000,000 66,000,000 322,000,000 187,000,000 3,000,000 
        25.00 par value,100,000,000 shares authorized; 2,150,000 and 2,050,000 shares issued and outstanding at september 30, 2024 and december 31, 2023, respectively
      		      2,112,000,000                          
        25.00 par value,100,000,000 shares authorized; 2,150,000 and 2,050,000 shares issued and outstanding at june 30, 2024 and december 31, 2023, respectively
      		       2,112,000,000                         
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at march 31, 2024 and december 31, 2023
      		        2,014,000,000                        
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at december 31, 2023 and 2022
      		         2,014,000,000                       
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at september 30, 2023 and december 31, 2022
      		          2,014,000,000                      
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at june 30, 2023 and december 31, 2022
      		           2,014,000,000                     
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at march 31, 2023 and december 31, 2022
      		            2,014,000,000                    
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at december 31, 2022 and 2021
      		             2,014,000,000                   
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at september 30, 2022 and december 31, 2021
      		              2,014,000,000                  
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at june 30, 2022 and december 31, 2021
      		               2,014,000,000                 
        25.00 par value,100,000,000 shares authorized; 2,050,000 shares issued and outstanding at march 31, 2022 and december 31, 2021
      		                2,014,000,000                
        deferred taxes
      		                  689,000,000 720,000,000 593,000,000 629,000,000 638,000,000 709,000,000 782,000,000 866,000,000 752,000,000 767,000,000 676,000,000 475,000,000 740,000,000 354,000,000 
        contingencies
      		                                
        25.00 par value,100,000,000 shares authorized; 2,050,000 and 2,000,000 shares issued and outstanding at december 31, 2021 and 2020, respectively
      		                 2,014,000,000               
        25.00 par value,100,000,000 shares authorized; 2,050,000 and 2,000,000 shares issued and outstanding at september 30, 2021 and december 31, 2020, respectively
      		                  2,014,000,000              
        25.00 par value,100,000,000 shares authorized; 2,050,000 and 2,000,000 shares issued and outstanding at june 30, 2021 and december 31, 2020, respectively
      		                   2,014,000,000             
        25.00 par value,100,000,000 shares authorized; 2,000,000 shares issued and outstanding at march 31, 2021 and december 31, 2020, respectively
      		                    1,965,000,000            
        accumulated other comprehensive loss
      		                    -411,000,000 -60,000,000    -411,000,000 -440,000,000 -488,000,000 -793,000,000 -1,145,000,000  -435,000,000 
        25.00 par value,100,000,000 shares authorized; 2,000,000 and 1,600,000 shares issued and outstanding at december 31, 2020 and 2019, respectively
      		                     1,965,000,000           
        equity investment securities, at fair value
      		                      57,000,000 50,000,000 47,000,000 47,000,000       
        equity investment securities, at cost
      		                      605,000,000 607,000,000 927,000,000 807,000,000       
        25.00 par value,100,000,000 shares authorized; 2,000,000 and 1,600,000 shares issued and outstanding at september 30, 2020 and december 31, 2019, respectively
      		                      1,965,000,000          
        due from broker
      		                       51,000,000   257,000,000 249,000,000 92,000,000 84,000,000 530,000,000 2,067,000,000 
        due to broker
      		                       155,000,000   206,000,000 257,000,000 93,000,000 84,000,000  2,087,000,000 
        25.00 par value,100,000,000 shares authorized; 2,000,000 and 1,600,000 shares issued and outstanding at june 30, 2020 and december 31, 2019, respectively
      		                       1,965,000,000         
        25.00 par value,100,000,000 shares authorized; 1,600,000 shares issued and outstanding at march 31, 2020 and december 31, 2019, respectively
      		                        1,570,000,000        
        federal funds purchased and securities sold under agreements to repurchase
      		                         265,000,000 867,000,000 1,132,000,000 668,000,000 315,000,000 429,000,000 5,184,000,000 
        other short-term borrowed funds
      		                         9,000,000 210,000,000 309,000,000 11,000,000 1,494,000,000 2,004,000,000 6,715,000,000 
        25.00 par value,100,000,000 shares authorized; 1,600,000 shares issued and outstanding at december 31, 2019 and 850,000 shares issued and outstanding at december 31, 2018
      		                         1,570,000,000       
        equity securities, at fair value
      		                          47,000,000 47,000,000 198,000,000 172,000,000   
        equity securities, at cost
      		                          734,000,000 706,000,000 604,000,000 748,000,000   
        preferred stock, 25.00 par value, 100,000,000 shares authorized
      		                          1,133,000,000 1,133,000,000 1,132,000,000    
        preferred stock, 25.00 par value, authorized 100,000,000 shares:
      		                                
        series a, non-cumulative perpetual, 25 par value (liquidation preference 1,000), 250,000 shares authorized and issued net of issuance costs and related premium at march 31, 2018 and december 31, 2017
      		                             247,000,000   
        securities available for sale, at fair value
      		                              19,257,000,000 18,666,000,000 
        securities held to maturity
      		                              4,967,000,000 5,289,000,000 
        other investment securities, at fair value
      		                              97,000,000  
        other investment securities, at cost
      		                              794,000,000  
        series a, non-cumulative perpetual, 25 par value,(liquidation preference 1,000), 250,000 shares authorized and issued net of issuance costs and related premium at june 30, 2017 and december 31, 2016
      		                              247,000,000  
        other investment securities
      		                               893,000,000 
        other branch assets held for sale
      		                                
        liabilities and stockholders' equity:
      		                                
        deposits held for sale
      		                                
        stockholders' equity:
      		                                
        25.00 par value, 100,000,000 shares authorized, no shares outstanding at september 30, 2014 and 1.00 par value, 30,000 shares authorized, no shares outstanding at december 31, 2013
      		                                
        .01 par value...
      		                               6,000,000 
        total stockholders' equity
      		                               19,383,000,000 
        total liabilities and stockholders' equity
      		                               131,341,000,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 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 2019-09-30 2019-06-30 2018-03-31 
                                     
          operating activities
        		                             
          net income
        		517,000,000 528,000,000 494,000,000 436,000,000 373,000,000 401,000,000 382,000,000 392,000,000 334,000,000 189,000,000 430,000,000 478,000,000 511,000,000 653,000,000 636,000,000 364,000,000 420,000,000 530,000,000 530,000,000 648,000,000 611,000,000 456,000,000 314,000,000 253,000,000 34,000,000 450,000,000 449,000,000 504,000,000 388,000,000 
          adjustments to reconcile net income to net change due to operating activities:
        		                             
          provision for credit losses
        		140,000,000 137,000,000 154,000,000 164,000,000 153,000,000 162,000,000 172,000,000 182,000,000 171,000,000    168,000,000        -140,000,000    600,000,000     
          net change in loans held for sale
        		-285,000,000 -333,000,000 216,000,000 35,000,000 -332,000,000       -370,000,000 -81,000,000 329,000,000 184,000,000 322,000,000 898,000,000 462,000,000 301,000,000 944,000,000 -622,000,000         
          depreciation, amortization, and accretion
        		113,000,000 112,000,000 119,000,000                           
          deferred income tax expense
        		52,000,000 11,000,000 22,000,000 -99,000,000 -16,000,000 -127,000,000 -18,000,000                       
          share-based compensation
        		33,000,000 23,000,000 23,000,000 43,000,000 31,000,000 21,000,000 21,000,000 21,000,000 34,000,000 14,000,000 18,000,000 22,000,000 33,000,000 16,000,000 16,000,000 19,000,000 33,000,000 12,000,000 12,000,000 13,000,000 22,000,000 14,000,000 11,000,000 2,000,000 21,000,000 -3,000,000 12,000,000 14,000,000 18,000,000 
          net gain on sale of assets
        		-7,000,000 -8,000,000 -2,000,000 -5,000,000 -9,000,000 -4,000,000 -9,000,000 0 -5,000,000                     
          net decrease in other assets
        		-256,000,000 -268,000,000 -2,000,000 325,000,000 34,000,000 -247,000,000 -291,000,000 324,000,000 -47,000,000    -372,000,000                 
          net increase in other liabilities
        		-70,000,000 -360,000,000 672,000,000 -137,000,000 -570,000,000 239,000,000 -233,000,000 -110,000,000 -206,000,000 -1,057,000,000 -279,000,000 148,000,000 849,000,000 459,000,000 229,000,000 -1,052,000,000 1,400,000,000 -76,000,000 586,000,000           
          net change due to operating activities
        		237,000,000 -158,000,000 1,696,000,000 886,000,000 -213,000,000 483,000,000 130,000,000 834,000,000 554,000,000 670,000,000 1,008,000,000 125,000,000 1,158,000,000 1,441,000,000 3,000,000,000 -1,876,000,000 1,554,000,000 1,105,000,000 1,280,000,000           
          investing activities
        		                             
          investment securities:
        		                             
          purchases of debt securities available for sale
        		-2,516,000,000 -3,918,000,000 -1,420,000,000 -1,760,000,000 -2,365,000,000 -3,258,000,000 -2,010,000,000 -1,430,000,000 -3,057,000,000 -4,511,000,000 -2,370,000,000 -1,983,000,000 -1,223,000,000 -1,004,000,000 -1,134,000,000 -5,982,000,000 -2,656,000,000 -3,737,000,000 -2,256,000,000 -2,157,000,000 -4,256,000,000         
          proceeds from maturities and paydowns of debt securities available for sale
        		1,137,000,000 1,248,000,000 961,000,000 963,000,000 846,000,000 1,192,000,000 794,000,000 725,000,000 593,000,000 520,000,000 552,000,000 506,000,000 423,000,000 579,000,000 679,000,000 961,000,000 1,203,000,000 1,751,000,000 1,738,000,000 2,040,000,000 2,281,000,000 2,360,000,000 2,062,000,000 1,511,000,000 1,010,000,000 1,218,000,000 1,103,000,000 819,000,000 806,000,000 
          proceeds from sales of debt securities available for sale
        		547,000,000 2,579,000,000 101,000,000 475,000,000 642,000,000 1,539,000,000 1,377,000,000 11,000,000 692,000,000 512,000,000 797,000,000 237,000,000 1,395,000,000 121,000,000 0 353,000,000 704,000,000 632,000,000 54,000,000 50,000,000 54,000,000 537,000,000    3,521,000,000 245,000,000 1,105,000,000 145,000,000 
          proceeds from maturities and paydowns of debt securities held to maturity
        		158,000,000 213,000,000 189,000,000 198,000,000 150,000,000 161,000,000 177,000,000 174,000,000 150,000,000 164,000,000 228,000,000 187,000,000 182,000,000 263,000,000 270,000,000 312,000,000 190,000,000 254,000,000 222,000,000 289,000,000 241,000,000 268,000,000 280,000,000 218,000,000 131,000,000 118,000,000 109,000,000 40,000,000 131,000,000 
          net decrease in interest-bearing deposits in banks
        		131,000,000 -267,000,000 -14,000,000 5,000,000 -50,000,000 13,000,000 -89,000,000 -167,000,000 13,000,000    -17,000,000        -2,000,000    17,000,000    50,000,000 
          purchases of loans
        		-49,000,000 -38,000,000 -139,000,000 -315,000,000 -188,000,000 -138,000,000 -77,000,000 -95,000,000 -345,000,000     0 -28,000,000 -261,000,000 -718,000,000             
          sales of loans
        		31,000,000 463,000,000 517,000,000 671,000,000 240,000,000 21,000,000 61,000,000 18,000,000 107,000,000 165,000,000 293,000,000 2,020,000,000 315,000,000 959,000,000 1,301,000,000 112,000,000 305,000,000             
          net decrease in loans and leases
        		-1,144,000,000 -1,958,000,000 -1,654,000,000 -1,502,000,000 -319,000,000 2,190,000,000 29,000,000 958,000,000 2,873,000,000    696,000,000        1,042,000,000         
          capital expenditures
        		                    -10,000,000     0 0 0 0 
          free cash flows
        		                    -700,000,000     727,000,000 393,000,000 -127,000,000 704,000,000 
          other
        		-97,000,000 -164,000,000 -3,000,000 -130,000,000 -50,000,000 -64,000,000 -67,000,000 15,000,000 23,000,000 120,000,000 -176,000,000 222,000,000 -227,000,000 -39,000,000 -5,000,000 -644,000,000 -83,000,000 -119,000,000 -82,000,000 -68,000,000 -47,000,000         
          net change due to investing activities
        		-1,802,000,000 -1,934,000,000 -1,497,000,000 -1,428,000,000 -1,108,000,000 1,608,000,000 161,000,000 179,000,000 1,039,000,000 225,000,000 382,000,000 3,149,000,000 1,492,000,000 -158,000,000 883,000,000 -9,448,000,000 -3,914,000,000 -7,499,000,000 -1,284,000,000           
          financing activities
        		                             
          net increase in deposits
        		722,000,000 3,302,000,000 4,925,000,000 -2,490,000,000 2,800,000,000 -412,000,000 -1,164,000,000 -76,000,000 -914,000,000 -855,000,000 530,000,000 5,473,000,000 -8,530,000,000 2,158,000,000 -359,000,000 -68,000,000 4,415,000,000 2,140,000,000 1,585,000,000 -713,000,000 4,185,000,000  -697,000,000 10,143,000,000 8,162,000,000  710,000,000 3,788,000,000 641,000,000 
          net increase in short-term borrowed funds
        		-4,000,000 -156,000,000 -35,000,000 202,000,000 47,000,000 -15,000,000 13,000,000 -7,000,000 -496,000,000 273,000,000 -867,000,000 81,000,000 1,015,000,000 -269,000,000 -3,500,000,000 3,726,000,000 -52,000,000 86,000,000 -57,000,000 -7,000,000 -176,000,000    780,000,000     
          proceeds from issuance of long-term borrowed funds
        		3,647,000,000 2,000,000,000 501,000,000 3,500,000,000 2,533,000,000 0 2,332,000,000 5,088,000,000 5,765,000,000 4,750,000,000 9,016,000,000 6,507,000,000 5,710,000,000 13,101,000,000 6,299,000,000        14,000,000 1,509,000,000 6,800,000,000  2,800,000,000 -1,750,000,000 6,250,000,000 
          repayments of long-term borrowed funds
        		-2,618,000,000 -1,224,000,000 -2,594,000,000 -3,251,000,000 -2,675,000,000 -1,545,000,000 -1,485,000,000 -5,819,000,000 -5,437,000,000 -8,652,000,000 -5,762,000,000 -11,252,000,000 -2,752,000,000 -13,501,000,000 -4,434,000,000 -752,000,000 -1,004,000,000 4,000,000 1,000,000 -1,353,000,000 -4,000,000         
          treasury stock purchased
        		-300,000,000 -125,000,000 -75,000,000 -200,000,000 -200,000,000 -225,000,000 -325,000,000 -200,000,000 -300,000,000 0    -151,000,000 0   -200,000,000 0 0 -95,000,000         
          dividends paid to common stockholders
        		-198,000,000 -200,000,000 -184,000,000 -185,000,000 -186,000,000 -188,000,000 -190,000,000 -194,000,000 -197,000,000 -199,000,000 -199,000,000 -205,000,000 -205,000,000      -167,000,000 -168,000,000 -167,000,000         
          dividends paid to preferred stockholders
        		-38,000,000 -33,000,000 -33,000,000 -33,000,000 -34,000,000 -38,000,000 -35,000,000 -30,000,000 -31,000,000 -31,000,000 -32,000,000 -24,000,000 -33,000,000      -33,000,000 -23,000,000 -32,000,000         
          net change due to financing activities
        		1,168,000,000 3,169,000,000 2,903,000,000 -2,451,000,000 2,261,000,000 -2,405,000,000 -1,147,000,000 -841,000,000 -1,622,000,000 -4,667,000,000 2,443,000,000 319,000,000 -5,223,000,000 1,104,000,000 -2,237,000,000 7,902,000,000 3,138,000,000 1,836,000,000 1,079,000,000           
          net change in cash and cash equivalents
        		-397,000,000 1,077,000,000 3,102,000,000 -2,993,000,000 940,000,000 -314,000,000 -856,000,000 172,000,000 -29,000,000 -3,772,000,000 3,833,000,000 3,593,000,000 -2,573,000,000 2,387,000,000 1,646,000,000 -3,422,000,000 778,000,000 -4,558,000,000 1,075,000,000           
          cash and cash equivalents at beginning of period
        		12,727,000,000 0 0 0 10,601,000,000 0 0 0 11,628,000,000 0 0 0 10,547,000,000 0 0 0 9,158,000,000 0 0 0 12,733,000,000  0 0 3,386,000,000  0 1,042,000,000 3,032,000,000 
          cash and cash equivalents at end of period
        		12,330,000,000 1,077,000,000 3,102,000,000 -2,993,000,000 11,541,000,000 -314,000,000 -856,000,000 172,000,000 11,599,000,000 -3,772,000,000 3,833,000,000 3,593,000,000 7,974,000,000 2,387,000,000 1,646,000,000 -3,422,000,000 9,936,000,000 -4,558,000,000 1,075,000,000 -2,019,000,000 14,660,000,000  1,770,000,000 3,388,000,000 4,058,000,000  807,000,000 -824,000,000 3,859,000,000 
          non-cash items:
        		                             
          transfer of loans from loans held for investment to lhfs
        		72,000,000 5,000,000 21,000,000 42,000,000 1,876,000,000                         
          net proceeds from issuance of preferred stock
        		 0    1,000,000 0           0 0    0    0   
          redemption of preferred stock
        		     0            0            
          supplemental disclosures:
        		                             
          interest paid
        		                             
          loans securitized and transferred to afs securities
        		 25,000,000     48,000,000                       
          depreciation, amortization and accretion
        		    123,000,000 124,000,000 129,000,000 143,000,000 102,000,000 126,000,000 122,000,000 112,000,000 118,000,000 117,000,000 121,000,000 260,000,000 67,000,000 172,000,000 136,000,000 165,000,000 152,000,000 154,000,000 103,000,000 109,000,000 201,000,000 193,000,000 165,000,000 153,000,000 122,000,000 
          acquisitions, net of cash acquired
        		             -20,000,000 -1,000,000 -91,000,000 -143,000,000 -151,000,000            
          purchases of bank-owned life insurance
        		                             
          net change in loans held for sale, at fair value
        		      -23,000,000 -86,000,000 171,000,000 73,000,000                    
          transfer of loans from loans held for investment to loans held for sale
        		      34,000,000 108,000,000 107,000,000                     
          adjustments to reconcile net income to net change in cash due to operating activities:
        		                             
          premium paid to exchange debt
        		                             
          benefit for credit losses
        		          172,000,000   132,000,000   3,000,000             
          deferred income tax benefit
        		          -21,000,000                   
          net gain on sales of assets
        		          -5,000,000 -9,000,000 -5,000,000  0 -1,000,000 -4,000,000             
          net increase in other assets
        		          95,000,000   -194,000,000   -1,216,000,000  -264,000,000           
          net increase in interest-bearing deposits in banks
        		          -40,000,000   -42,000,000   -369,000,000  112,000,000           
          net increase in loans and leases
        		          1,131,000,000   -990,000,000   -2,196,000,000  -881,000,000           
          purchase of bank-owned life insurance
        		              0 0 -100,000,000  -150,000,000 -125,000,000 -375,000,000         
          payments of employee tax withholding for share-based compensation
        		          0 -2,000,000 -24,000,000 -1,000,000 0 -1,000,000 -23,000,000 -1,000,000 0 0 -21,000,000         
          transfer of loans from portfolio to lhfs
        		          181,000,000                   
          transfer of securities from available for sale to held to maturity
        		              753,000,000               
          investors acquisition:
        		                             
          fair value of assets acquired, excluding cash and cash equivalents
        		              -69,000,000               
          goodwill and other intangible assets
        		              78,000,000               
          fair value of liabilities assumed
        		              9,000,000               
          common stock issued
        		              0               
          replacement equity awards
        		              0               
          treasury stock purchased, including excise tax
        		           -259,000,000 -404,000,000                 
          deferred income taxes
        		            -63,000,000 -67,000,000 46,000,000 125,000,000 -47,000,000 -643,000,000 15,000,000 119,000,000 80,000,000        8,000,000 
          dividends declared and paid to common stockholders
        		             -210,000,000 -209,000,000 -195,000,000 -165,000,000             
          dividends declared and paid to preferred stockholders
        		             -23,000,000 -34,000,000 -23,000,000 -33,000,000             
          income taxes paid
        		                             
          transfer of securities from held to maturity to available for sale
        		                             
          loans securitized and transferred to securities available for sale
        		                             
          loans securitized and transferred to securities held to maturity
        		                             
          stock issued for share-based compensation plans
        		                             
          stock issued for employee stock purchase plan
        		                             
          benefit from credit losses
        		                  -33,000,000       110,000,000 101,000,000 104,000,000 78,000,000 
          net gain on sales of:
        		                             
          debt securities
        		                  -3,000,000           
          premises and equipment
        		                  0           
          premium paid to exchange subordinated debt
        		                  0 0 -1,000,000         
          adjustments to reconcile net income to net cash from operating activities:
        		                             
          net gain on sale of debt securities
        		                    -3,000,000         
          increase in other assets
        		                    -773,000,000         
          decrease in other liabilities
        		                    -17,000,000         
          net cash from operating activities
        		                    -690,000,000     727,000,000 393,000,000 -127,000,000 704,000,000 
          net cash from investing activities
        		                    -1,072,000,000         
          net cash from financing activities
        		                    3,689,000,000  -988,000,000 2,305,000,000 10,767,000,000    1,241,000,000 
          increase in cash and cash equivalents
        		                    1,927,000,000  1,770,000,000 3,388,000,000 672,000,000    827,000,000 
          amortization of intangibles
        		                     5,000,000 0 3,000,000 3,000,000     
          increase in other liabilities
        		                     432,000,000 270,000,000   198,000,000    
          net decrease in equity securities, at fair value
        		                             
          net decrease in equity securities, at cost
        		                      2,000,000       
          net decrease in short-term borrowed funds
        		                             
          net increase in equity securities, at fair value
        		                             
          originations of mortgage loans held for sale
        		                             
          proceeds from sales of mortgage loans held for sale
        		                         7,165,000,000 6,117,000,000 6,493,000,000 655,000,000 
          purchases of commercial loans held for sale
        		                             
          proceeds from sales of commercial loans held for sale
        		                         473,000,000 394,000,000 747,000,000 451,000,000 
          mortgage servicing rights valuation charge-off
        		                         -14,000,000 1,000,000   
          debt securities impairment
        		                         0 1,000,000 0 1,000,000 
          equity securities
        		                             
          other loans held for sale
        		                             
          purchases of securities available for sale
        		                             
          purchases of debt securities held to maturity
        		                             
          purchases of equity securities, at fair value
        		                             
          proceeds from sales of equity securities, at fair value
        		                           647,000,000 36,000,000 
          purchases of equity securities, at cost
        		                             
          proceeds from sales of equity securities, at cost
        		                         110,000,000 42,000,000 255,000,000 131,000,000 
          purchases of mortgage servicing rights
        		                             
          net increase in bank-owned life insurance
        		                             
          premises and equipment:
        		                             
          purchases
        		                             
          proceeds from sales
        		                         0 0   
          capitalization of software
        		                             
          net decrease in federal funds purchased and securities sold under agreements to repurchase
        		                             
          net increase in other short-term borrowed funds
        		                          -102,000,000   
          mortgage servicing rights valuation (recovery) charge-off
        		                             
          decrease in other assets
        		                            331,000,000 
          net decrease in other short-term borrowed funds
        		                             
          amortization of terminated cash flow hedges
        		                             
          securities impairment
        		                             
          other investment securities
        		                             
          proceeds from maturities and paydowns of securities available for sale
        		                             
          proceeds from sales of securities available for sale
        		                             
          purchases of securities held to maturity
        		                             
          proceeds from maturities and paydowns of securities held to maturity
        		                             
          purchases of other investment securities, at fair value
        		                             
          proceeds from sales of other investment securities, at fair value
        		                             
          purchases of other investment securities, at cost
        		                             
          proceeds from sales of other investment securities, at cost