First Niagara Financial (FNFG) 10-K 10 Feb 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 09, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	FIRST NIAGARA FINANCIAL GROUP INC
Entity Central Index Key	1,051,741
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		354,756,081
Public Float			$ 3,322,379,869
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 672	$ 420
Investment securities:
Available for sale, at fair value (amortized cost of $5,485 and $5,830 in 2015 and 2014; includes pledged securities that can be sold or repledged of $91 and $39 in 2015 and 2014)	5,471	5,915
Held to maturity, at amortized cost (fair value of $6,378 and $5,964 in 2015 and 2014; includes pledged securities that can be sold or repledged of $9 and $128 in 2015 and 2014)	6,388	5,942
Federal Home Loan Bank and Federal Reserve Bank common stock, at amortized cost	410	412
Loans held for sale	46	40
Loans and leases (net of allowance for loan losses of $242 and $234 in 2015 and 2014)	23,796	22,803
Bank owned life insurance	437	426
Premises and equipment, net	410	407
Goodwill	1,348	1,350
Core deposit and other intangibles, net	48	67
Other assets	892	769
Total assets	39,918	38,551
Liabilities:
Deposits	28,701	27,781
Short-term borrowings	4,349	5,472
Long-term borrowings	2,308	734
Other	434	471
Total liabilities	35,792	34,458
Stockholders’ equity:
Preferred stock, $0.01 par value, 50,000,000 shares authorized; Series B, noncumulative perpetual preferred stock, $25 liquidation preference; 14,000,000 shares issued in 2015 and 2014	338	338
Common stock, $0.01 par value, 500,000,000 shares authorized; 366,002,045 shares issued in 2015 and 2014	4	4
Additional paid-in capital	4,231	4,235
Accumulated deficit	(255)	(330)
Accumulated other comprehensive (loss) income	(48)	9
Treasury stock, at cost, 11,239,793 and 12,613,836 shares in 2015 and 2014	(143)	(162)
Total stockholders’ equity	4,126	4,093
Total liabilities and stockholders’ equity	$ 39,918	$ 38,551

Consolidated Statements of Con3

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Amortized cost for securities available for sale	$ 5,485	$ 5,830
Fair value of pledged securities that can be sold or repledged	91	39
Fair value for securities held-to-maturity	6,378	5,964
Amortized cost of pledged securities that can be sold or repledged	9	128
Allowance for credit losses on loans and leases	$ 242	$ 234
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	50,000,000	50,000,000
Preferred stock, shares issued	14,000,000	14,000,000
Liquidation preference	$ 25	$ 25
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	500,000,000	500,000,000
Common stock, shares issued	366,002,045	366,002,045
Treasury stock, shares	11,239,793	12,613,836

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest income:
Loans and leases	$ 849	$ 847	$ 845
Investment securities and other	349	361	365
Total interest income	1,198	1,207	1,210
Interest expense:
Deposits	66	53	53
Borrowings	76	69	64
Total interest expense	142	122	117
Net interest income	1,056	1,086	1,093
Provision for credit losses	76	96	105
Net interest income after provision for credit losses	980	990	988
Noninterest income:
Deposit service charges	88	90	104
Insurance commissions	66	66	67
Merchant and card fees	52	50	49
Wealth management services	60	61	58
Mortgage banking	21	18	18
Capital markets income	19	18	22
Lending and leasing	17	18	17
Bank owned life insurance	13	15	17
Other income	7	(26)	12
Total noninterest income	342	310	366
Noninterest expense:
Salaries and employee benefits	452	463	461
Occupancy and equipment	105	112	111
Technology and communications	148	127	115
Marketing and advertising	38	35	20
Professional services	63	56	39
Amortization of intangibles	19	27	40
Federal deposit insurance premiums	43	40	35
Restructuring charges	21	22	0
Goodwill impairment	0	1,100	0
Deposit account remediation	0	22	0
Merger and acquisition integration expenses	14	0	0
Other expense	115	120	110
Total noninterest expense	1,019	2,124	931
Income (loss) before income taxes	302	(824)	423
Income tax (benefit)	79	(109)	128
Net income (loss)	224	(715)	295
Preferred stock dividend	30	30	30
Net income (loss) available to common stockholders	$ 193	$ (745)	$ 265
Earnings (loss) per share:
Basic (dollars per share)	$ 0.55	$ (2.13)	$ 0.75
Diluted (dollars per share)	$ 0.54	$ (2.13)	$ 0.75
Weighted average common shares outstanding:
Basic	351	350	350
Diluted	353	350	350
Dividends per common share	$ 0.32	$ 0.32	$ 0.32

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 224	$ (715)	$ 295
Securities available for sale:
Net unrealized losses arising during the year	(62)	(12)	(109)
Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity during the year	0	0	(34)
Net unrealized losses on securities available for sale	(62)	(12)	(143)
Net unrealized holding gains on securities transferred between available for sale and held to maturity:
Net unrealized holding gains on securities transferred during the year	0	0	34
Less: amortization of net unrealized holding gains to income during the year	(6)	(8)	(12)
Net unrealized holding (losses) gains on securities transferred during the year	(6)	(8)	22
Net unrealized (losses) gains on interest rate swaps designated as cash flow hedges arising during the year	(1)	1	1
Pension and post-retirement actuarial gains (losses)	12	(34)	25
Total other comprehensive (loss) income	(56)	(53)	(95)
Total comprehensive income (loss)	$ 167	$ (768)	$ 200

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Millions	Total	Preferred stock	Common stock	Additional paid-in capital	Retained earnings (accumulated deficit)	Accumulated other comprehensive income (loss)	Common stock held by ESOP	Treasury stock
Beginning Balance at Dec. 31, 2012	$ 4,927	$ 338	$ 4	$ 4,231	$ 399	$ 157	$ (18)	$ (184)
Net income (loss)	295				295
Other comprehensive (loss) income, net	(95)					(95)
ESOP shares committed to be released (177,942 shares and 297,080 shares in 2013 and 2014, respectively)	2			0			1
Stock-based compensation expense	9			9
Net tax expense from stock-based compensation	(1)			(1)
Exercise of stock options and restricted stock activity (1,320,324 shares, 1,151,193 shares, and 1,374,053 shares in 2013, 2014, and 2015, respectively)	(1)			(4)	(15)			19
Preferred stock dividends	(30)				(30)
Common stock dividends of $0.32 per share	(112)				(112)
Ending Balance at Dec. 31, 2013	4,993	338	4	4,235	536	62	(17)	(165)
Net income (loss)	(715)				(715)
Other comprehensive (loss) income, net	(53)					(53)
ESOP shares committed to be released (177,942 shares and 297,080 shares in 2013 and 2014, respectively)	2			0			2
Repurchase of shares upon ESOP termination (1,704,290)	1				0		15	(14)
Stock-based compensation expense	11			11
Net tax expense from stock-based compensation	(1)			(1)
Exercise of stock options and restricted stock activity (1,320,324 shares, 1,151,193 shares, and 1,374,053 shares in 2013, 2014, and 2015, respectively)	(2)			(11)	(8)			17
Preferred stock dividends	(30)				(30)
Common stock dividends of $0.32 per share	(113)				(113)
Ending Balance at Dec. 31, 2014	4,093	338	4	4,235	(330)	9	0	(162)
Net income (loss)	224				224
Other comprehensive (loss) income, net	(56)					(56)
Stock-based compensation expense	13			13
Exercise of stock options and restricted stock activity (1,320,324 shares, 1,151,193 shares, and 1,374,053 shares in 2013, 2014, and 2015, respectively)	(3)			(17)	(6)			19
Preferred stock dividends	(30)				(30)
Common stock dividends of $0.32 per share	(113)				(113)
Ending Balance at Dec. 31, 2015	$ 4,126	$ 338	$ 4	$ 4,231	$ (255)	$ (48)	$ 0	$ (143)

Consolidated Statements of Cha7

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Stockholders' Equity [Abstract]
Repurchase of shares upon ESOP termination		1,704,290
ESOP shares committed to be released	0	297,080	177,942
Exercise of stock options and restricted stock activity, shares	1,374,053	1,151,193	1,320,324
Common stock, dividend per share	$ 0.32	$ 0.32	$ 0.32

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income (loss)	$ 224	$ (715)	$ 295
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Goodwill impairment	0	1,100	0
Amortization of fees and discounts, net	23	45	49
Provision for credit losses	76	96	105
Depreciation of premises and equipment	78	58	53
Amortization of intangibles	19	27	40
Origination of loans held for sale	(754)	(648)	(1,295)
Proceeds from sales of loans held for sale	755	668	1,412
ESOP and stock based-compensation expense	13	13	11
Deferred income tax expense (benefit)	6	(150)	5
Other, net	(77)	(10)	40
Net cash provided by operating activities	364	484	716
Cash flows from investing activities:
Proceeds from sales of securities available for sale	271	331	485
Proceeds from maturities of securities available for sale	339	371	196
Principal payments received on securities available for sale	1,064	952	1,124
Purchases of securities available for sale	(1,362)	(162)	(1,497)
Principal payments received on securities held to maturity	1,388	781	868
Purchases of securities held to maturity	(1,917)	(2,743)	(636)
Proceeds from maturities of securities held to maturity	53	35	0
Proceeds from sales of (payments for purchases of) Federal Home Loan Bank and Federal Reserve Bank common stock	1	57	(49)
Net increase in loans and leases	(1,058)	(1,634)	(1,767)
Purchases of premises and equipment	(99)	(57)	(67)
Other, net	(17)	(68)	(32)
Net cash used in investing activities	(1,337)	(2,136)	(1,375)
Cash flows from financing activities:
Net increase (decrease) in deposits	920	1,119	(1,004)
(Repayments of) proceeds from short-term borrowings, net	(1,123)	650	1,839
Proceeds from long-term borrowings	1,575	0	0
Repayments of long-term borrowings	(2)	(2)	0
Repurchase of shares upon ESOP termination	0	(14)	0
Dividends paid on noncumulative preferred stock	(30)	(30)	(30)
Dividends paid on common stock	(113)	(113)	(112)
Other, net	0	(1)	(1)
Net cash provided by financing activities	1,225	1,610	692
Net increase (decrease) in cash and cash equivalents	252	(43)	32
Cash and cash equivalents at beginning of period	420	463	431
Cash and cash equivalents at end of period	672	420	463
Cash paid during the period for:
Income taxes	66	52	57
Interest expense	138	123	126
Other noncash activity:
Securities available for sale purchased not settled	0	18	0
Securities transferred from available for sale to held to maturity (at fair value)	$ 0	$ 0	$ 3,001

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1. Summary of Significant Accounting Policies First Niagara Financial Group, Inc. (the “Company”), a Delaware corporation, and its subsidiaries provide financial services to individuals and businesses in New York, Western and Eastern Pennsylvania, Connecticut, and Western Massachusetts. Through our wholly owned subsidiary, First Niagara Bank, N.A. (the “Bank”), a federally chartered national bank, we provide a full range of products and services through our retail consumer, commercial, business services, and wealth management operations, including retail banking, consumer and commercial lending, cash management, insurance and wealth management products. Our accounting and reporting policies conform to U.S. generally accepted accounting principles (“GAAP”) and general practices within the banking industry. Reclassifications of prior years’ amounts are made whenever necessary to conform to the current year’s presentation. The following is a description of our significant accounting policies: Principles of Consolidation Our Consolidated Financial Statements include the accounts of the Company and its subsidiaries. We have eliminated all significant intercompany balances in consolidation. Subsequent Events We reviewed subsequent events and determined that no further disclosures or measurements were required. Cash and Cash Equivalents For purposes of our Consolidated Statement of Cash Flows, cash and cash equivalents include cash and due from banks, money market investments, and federal funds sold which have an original term of less than three months. Investment Securities We have classified our investments in debt and equity securities as held to maturity or available for sale. We classify investment securities as held to maturity if we have the positive intent and ability to hold them to maturity. Held to maturity securities are reported at amortized cost. We classify investment securities not classified as held to maturity as available for sale, and report them at fair value with unrealized gains and losses, net of deferred taxes, reported in other comprehensive income as a separate component of stockholders’ equity. We are required to maintain an investment in common stock of the Federal Home Loan Bank (“FHLB”) of New York and Boston as well as the Federal Reserve Bank because our Bank is a member of the FHLB and the Federal Reserve System. We consider these stocks to be nonmarketable equity securities and carry them at cost. We conduct a quarterly review and evaluation of our investment securities portfolio to determine if any declines in fair value below amortized cost are other than temporary. In making this determination, we consider some or all of the following factors: the period of time the securities have been in an unrealized loss position, the percentage decline in fair value in comparison to the securities’ amortized cost, credit rating, the financial condition of the issuer and guarantor, where applicable, the delinquency or default rates of underlying collateral, credit enhancement, projected losses, level of credit loss, and projected cash flows. If we intend to sell a security with a fair value below amortized cost or if it is more likely than not that we will be required to sell such a security before recovery, we record an other than temporary impairment charge through current period earnings for the full decline in fair value below amortized cost. For debt securities that we do not intend to sell or it is more likely than not that we will not be required to sell before recovery, we record an other than temporary impairment charge through current period earnings for the amount of the valuation decline below amortized cost that is attributable to credit losses. The remaining difference between the debt security’s fair value and amortized cost (that is, decline in fair value not attributable to credit losses) is recognized in other comprehensive income. Our investment securities portfolio includes residential mortgage-backed securities and collateralized mortgage obligations. As the underlying collateral of each of these securities is comprised of a large number of similar residential mortgage loans for which prepayments are probable and the timing and amount of such prepayments can be reasonably estimated, we consider estimates of future principal prepayments of these underlying residential mortgage loans in the calculation of the constant effective yield used to apply the interest method for income recognition, with retroactive adjustments made as warranted. Purchases and sales of investment securities are recorded on trade date, with realized gains and losses on sales included in our Consolidated Statements of Income using the specific identification method. We amortize premiums and accrete discounts on our investment securities to interest income utilizing the interest method. Originated Loans and Leases Loans we originate and intend to hold in our portfolio are stated at the principal amount outstanding, adjusted for unamortized deferred fees and costs which we amortize to interest income over the expected life of the loan using the interest method. We discontinue accrual of interest on originated loans after payments become more than 90 days past due, or earlier if we do not expect the full collection of principal or interest, with the exception of credit cards. Credit cards are placed on nonaccrual status at 180 days past due. The delinquency status is based upon the contractual terms of the loans. We reverse all uncollected interest income that we previously recognized on nonaccrual loans. When we have doubt as to the collectibility of a loan’s principal, we apply interest payments to principal. With the exception of residential mortgage loans that are well secured and in the process of collection, cash receipts received on nonperforming impaired loans are first applied to the loan’s principal. Once the remaining principal balance has been collected in full, cash receipts are then applied as recoveries of any partially charged-off amount on the loan. Once a loan’s principal balance, including any previously charged-off amounts are collected in full, cash receipts are recorded as interest income. For residential mortgage loans, where the loan is both well secured and in the process of collection, we recognize interest income on a cash basis. Interest income on performing troubled debt restructurings, which are considered impaired loans, are applied in accordance with the terms of the modified loan. We return loans to accrual status when principal and interest payments are current, we expect full collectibility of principal and interest, and a consistent repayment record has been demonstrated. We charge loans off against our allowance for loan losses when it becomes evident that we will not fully collect the balance of the loan. For business and commercial real estate loans, we record a charge off when it is determined that the collection of all or a portion of a loan may not be collected and the amount of that loss is reasonably estimable. For our consumer loans secured by real estate, including our residential mortgages, home equity loans and home equity lines of credit, we order broker price opinions (“BPOs”) at 90 days past due and record partial or full charge-offs based upon the results of such valuations by no later than 180 days past due. All other closed end consumer loans are charged off at 120 days past due and all other open ended consumer lines, including credit card loans, are charged off at 180 days past due. We consider a loan impaired when, based on current information, it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of the agreement. Nonaccrual commercial real estate and business loans greater than $1 million are evaluated individually for impairment. Additionally, all loans modified in a troubled debt restructuring (“TDR”), regardless of size, are considered impaired. We measure the impairment in these loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical alternative, the loan’s observable market price or the fair value of the underlying collateral, if the loan is collateral dependent. At origination, a determination is made whether a loan will be held in our portfolio or is intended for sale in the secondary market. Loans that will be held in our portfolio are carried at amortized cost. Beginning in the second quarter of 2011, we elected the fair value option for substantially all residential mortgage loans held for sale as we believe the fair value measurement of such loans reduces certain timing differences in our Statement of Operations and better aligns with our management of the portfolio from a business perspective. This loan by loan election is made at the time of origination and is irrevocable. Residential mortgage loans held for sale for which the fair value option has not been elected, are recorded at the lower of the aggregate cost or market value (“LOCOM”). For residential mortgage loans held for sale where we have elected the fair value option any change in fair value subsequent to origination is recognized immediately in earnings in mortgage banking income. For residential mortgage loans held for sale that are recorded at LOCOM, we recognize any subsequent decreases in fair value in a valuation allowance through a charge to earnings at the time the decline in value occurs. We include gains and losses occurring during the holding period as well as those resulting from sales of our loans held for sale in mortgage banking income. Acquired Loans Loans that we acquired in acquisitions subsequent to January 1, 2009 were recorded at fair value with no carryover of the related allowance for loan losses at the time of acquisition. Determining the fair value of the loans involved estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. We have acquired loans in four separate acquisitions between January 2009 and May 2012. For each acquisition, we reviewed all loans greater than $1 million and considered the following factors as indicators that such an acquired loan had evidence of deterioration in credit quality and was therefore in the scope of Accounting Standards Codification (“ASC”) 310-30 (Loans and Debt Securities Acquired with Deteriorated Credit Quality): • Loans that were 90 days or more past due; • Loans that had an internal risk rating of substandard or worse. Substandard is consistent with regulatory definitions and is defined as having a well defined weakness that jeopardizes liquidation of the loan; • Loans that were classified as nonaccrual by the acquired bank at the time of acquisition; or • Loans that had been previously modified in a troubled debt restructuring. Individual acquired loans determined to have evidence of deterioration in credit quality are accounted for individually in accordance with ASC 310-30. Any acquired loans that were not individually in the scope of ASC 310-30 because they did not meet the criteria above were either (i) pooled into groups of similar loans based on the borrower type, loan purpose, and collateral type and accounted for under ASC 310-30 by analogy or (ii) accounted for under ASC 310-20 (Nonrefundable Fees and Other Costs.) Based on the guidance included in the December 18, 2009 letter from the AICPA Depository Institutions Panel to the Office of the Chief Accountant of the SEC, we have made an accounting policy election to apply ASC 310-30 by analogy to qualifying acquired pools of loans that (i) were acquired in a business combination or asset purchase, (ii) resulted in recognition of a discount attributable, at least in part, to credit quality; and (iii) were not subsequently accounted for at fair value. Acquired loans accounted for under ASC 310-30 The excess of expected cash flows from acquired loans over the estimated fair value of acquired loans at acquisition is referred to as the accretable discount and is recognized into interest income over the remaining life of the acquired loans using the interest method. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable discount. The nonaccretable discount represents estimated future credit losses expected to be incurred over the life of the acquired loans. Subsequent decreases to the expected cash flows require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonaccretable discount which we then reclassify as accretable discount that is recognized into interest income over the remaining life of the loan using the interest method. Our evaluation of the amount of future cash flows that we expect to collect takes into account actual credit performance of the acquired loans to date and our best estimates for the expected lifetime credit performance of the loans using currently available information. Charge-offs on acquired loans would be first applied to the nonaccretable discount portion of the fair value adjustment. To the extent that we experience a deterioration in credit quality in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. In accordance with ASC 310-30, recognition of income is dependent on having a reasonable expectation about the timing and amount of cash flows expected to be collected. We perform such an evaluation on a quarterly basis on both our acquired loans individually accounted for under ASC 310-30 and those in pools accounted for under ASC 310-30 by analogy. Cash flows for acquired loans individually accounted for under ASC 310-30 are estimated on a quarterly basis. Based on this evaluation, a determination is made as to whether or not we have a reasonable expectation about the timing and amount of cash flows. Such an expectation includes cash flows from normal customer repayment, foreclosure or other collection efforts. Cash flows for acquired loans accounted for on a pooled basis under ASC 310-30 by analogy are also estimated on a quarterly basis. For residential real estate, home equity and other consumer loans, cash flow loss estimates are calculated by a vintage and FICO based model which incorporates a projected forward loss curve. For commercial loans, lifetime loss rates are assigned to each pool with consideration given for pool make-up, including risk rating profile. Lifetime loss rates are developed from internally generated loss data and are applied to each pool. To the extent that we cannot reasonably estimate cash flows, interest income recognition is discontinued. The unit of account for loans in pools accounted for under ASC 310-30 by analogy is the pool of loans. Accordingly, as long as we can reasonably estimate cash flows for the pool as a whole, accretable yield on the pool is recognized and all individual loans within the pool - even those more than 90 days past due - would be considered to be accruing interest, and reported as such, in our financial statement disclosures, regardless of whether or not we expected to collect any principal or interest cash flows on an individual loan 90 days or more past due. Allowance for Loan Losses We establish our allowance for loan losses through a provision for credit losses. The level of the allowance for loan losses is based on our evaluation of the overall credit quality of our total loan portfolio. We segregate our loans between loans we originated which are accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired (referred to as “acquired” loans), as acquired loans were originally recorded at fair value, which included an estimate of lifetime credit losses, resulting in no carryover of the related allowance for loan losses. We continue to monitor and modify the level of our allowance for loan losses to ensure it is adequate to cover losses inherent in our loan portfolio. Originated loans We determine our allowance for loan losses by portfolio segment, which consists of commercial loans and consumer loans. Our commercial loan portfolio includes both business and commercial real estate loans. Our consumer loan portfolio includes residential real estate, home equity, indirect auto, credit card and other consumer loans. The allowance for loan losses is comprised of two components. The first component covers pools of loans for which there are incurred losses that are not yet individually identifiable. The allowance for pools of loans is based on net historical loan loss experience for similar loans with similar inherent risk characteristics and performance trends adjusted, as appropriate, for quantitative and qualitative risk factors specific to respective loan types. The second component covers loans that have been identified as impaired or are nonperforming as well as troubled debt restructurings (“TDRs”.) Commercial loan portfolio Commercial loans are initially evaluated using quantitative models whereby loans are grouped into pools based on similar risk characteristics such as loan type and grade to determine the historical loss rate. By loan type, the historical loss experience over an established loss emergence and look back period for each loan pool is used to calculate historical loss rates that are used as the primary driver of the quantitative historical allowance estimate. The loss emergence and historical loss look-back periods may vary based on a variety of factors. For example, a relatively long look-back may be the appropriate measure during times of economic stability; however, during a period of significant or rapid economic expansion or contraction, a shorter measurement period may be more appropriate. The loss emergence and look back periods may vary by loan pool and are considered in the determination of the historical loss rates for each pool. Once the quantitative historical loss rates are established they may be adjusted for qualitative factors to reflect portfolio characteristics, credit concentrations and model imprecision conditions that are not captured in the historical loss rates, recent trends in loan volume and mix, delinquency, local and national economic factors, changes to the Bank’s lending policies and procedures, experience of lending staff, industrial and geographic factors, competition and legal or regulatory requirements. Simulation techniques such as Monte Carlo modeling, using varying levels of confidence, are used to make such qualitative adjustments. These simulations help estimate the impact of concentrations such as large loan risk aspects within a loan portfolio and ensure that a reasonable amount of tail risk is captured. The Monte Carlo output may be adjusted for changes in loss severity based on recent trends that would affect charge-off levels. All qualitative adjustments are supported with trend (or other relevant data), which are documented in the quarterly allowance for loan loss analysis. In addition, historical loss rates are modified when loan growth patterns or other trends indicate that the historical loss factors would not accurately reflect losses inherent in the current portfolio. Final adjustments to the historical loss rate calculation are made for known portfolio characteristics such as 100% cash secured loans and SBA guaranteed loans not captured in the modeling approach. Combining the quantitative and qualitative measurements, the Commercial loan component of our allowance for loan losses is recorded. Consumer loan portfolio We estimate the allowance for loan losses for our consumer loan portfolio by estimating the amount of loans that will eventually default based on their current delinquency severity. We then apply a loss rate to the amount of loans that we predict will default based on our historical net loss experience. This amount may be then adjusted, if necessary, for qualitative considerations to reflect changes in underwriting, market or industry conditions or based on changes in trends in the composition of the portfolio, including risk composition, seasoning, and underlying collateral. We obtain and review refreshed FICO scores on a quarterly basis, and trends are evaluated for consideration as a qualitative adjustment to the allowance. Other qualitative considerations include, but are not limited to, the evaluation of trends in property values, building permits and unemployment. Impaired loans We consider a commercial loan impaired, when, based on current information, it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of the agreement. Our threshold for evaluating commercial loans individually for impairment is $1 million . Additionally, all loans (commercial and consumer) modified in a troubled debt restructuring (“TDR”), regardless of size, are considered impaired. The need for specific valuation allowances are determined for impaired loans and recorded as necessary. We measure the impairment in these loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical alternative, the loan’s observable market price or the fair value of the underlying collateral, if the loan is collateral dependent. We then factor any related allowance for loan losses for these loans. Confirmed losses are charged off immediately. We typically would obtain an appraisal to use as the basis for the fair value of the underlying collateral. Acquired Loans Acquired loans accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy) For our acquired loans accounted for under ASC 310-30 for which subsequent decreases to the expected cash flows requires us to evaluate the need for an addition to the allowance for loan losses, our modeling techniques are similar to those we utilize for our originated loans. To the extent that we experience a deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. Acquired loans accounted for under ASC 310-20 We establish our allowance for loan losses through a provision for credit losses based upon an evaluation process that is similar to our evaluation process used for originated loans. This evaluation, which includes a review of loans on which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, carrying value of the loans, which includes the remaining net purchase discount or premium, and other factors that warrant recognition in determining our allowance for loan losses. Premises and Equipment Our premises and equipment are carried at cost, net of accumulated depreciation and amortization. We compute depreciation on the straight-line method over the estimated useful lives of the assets. We amortize our leasehold improvements on the straight-line method over the lesser of the life of the improvements or the lease term. We generally depreciate buildings over a period of 20 to 39 years, furniture and equipment over a period of 3 to 10 years, and capital leases over the lesser of the useful life or the respective lease term. Certain costs associated with software that is acquired, developed, or modified solely to meet internal needs are capitalized and amortized on a straight line basis over a period of 3 to 10 years. Direct costs of materials and services consumed in developing the software and internal payroll and payroll-related costs related to activities such as coding and testing the software are the types of costs capitalized. Capitalized costs for internal-use software are included in “Premises and equipment, net” in our balance sheet. Amortization of these costs is classified as “Technology and communications” expenses in our income statement. Goodwill and Intangible Assets We record the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired less the fair value of liabilities assumed as goodwill. We amortize our acquired identifiable intangible assets with definite useful economic lives over their useful economic life utilizing an accelerated amortization method. On a periodic basis, we assess whether events or changes in circumstances indicate that the carrying amounts of our core deposit and other intangible assets may be impaired. We do not amortize goodwill or any acquired identifiable intangible assets with an indefinite useful economic life, but we review them for impairment on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. Goodwill is reviewed for impairment at the reporting unit level. We define a reporting unit as a distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by that segment’s management. We have the option to first assess qualitative factors to determine whether there are events or circumstances that exist that make it more likely than not that the fair value of the reporting unit is less than its carrying amount (Step 0). If it is more likely than not that the fair value of the reporting unit is less than its carrying amount, or if we choose to bypass the qualitative assessment, we proceed to compare each reporting unit's fair value to carrying value to identify potential impairment (Step 1). If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. However, if the carrying amount of the reporting unit were to exceed its estimated fair value, a second step (Step 2) would be performed that would compare the implied fair value of the reporting unit's goodwill with the carrying amount of the goodwill for the reporting unit. The implied fair value of goodwill is determined in the same manner as goodwill that is recognized in a business combination. Significant judgment and estimates are involved in estimating the fair value of the assets and liabilities of the reporting units. We perform our annual impairment review of goodwill on November 1 of each year utilizing valuation methods we believe appropriate, given the availability and applicability of market-based inputs for those methods. Derivative Instruments We use interest rate swaps to manage our interest rate risk. We also act as an interest rate swap counterparty for certain commercial customers, and manage the interest rate risk of these positions by entering into offsetting interest rate swap agreements with third parties. Interest rate swaps are recorded on our Consolidated Statements of Condition as either an asset or liability at estimated fair value and recognition of the changes in fair value in the income statement depends upon whether the interest rate swaps are in a designated hedging relationship. The change in the fair value of interest rate swaps designated as fair value hedges, including both the effective and ineffective portions, is recognized in earnings. These amounts are offset by the change in fair value of the hedged item, which is also recognized in earnings. The gain or loss associated with the effective portion of our cash flow hedges is recognized in other comprehensive income and is subsequently reclassified into earnings in the period during which the hedged forecasted transactions affects earnings. The gain or loss associated with the ineffective portion of our cash flow hedges is recognized immediately in earnings. We formally document our risk management objectives, strategy, and the relationship between the hedging instrument and the hedged items. We evaluate the effectiveness of the hedge relationship both at inception of the hedge and on an ongoing basis. If the interest rate swap is not designated in a hedge relationship, gains or losses reflecting changes in fair value are recorded in earnings. Employee Benefits We maintain an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and we provide matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees. We also maintain noncontributory, qualified, defined benefit pension plans for certain employees who meet age and service requirements. We provide post-retirement benefits, principally health care and group life insurance, to employees who meet certain age and service requirements. We have frozen all benefit participation in our pension and post-retirement plans. Pension plans that we acquired in connection with our previous whole-bank acquisitions were frozen prior to or shortly after the completion of the transactions. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age, and compensation. The cost of our pension plan is based on actuarial estimates of current and future benefits for employees and is charged to current operating expenses. We recognize an asset for a plan’s overfunded status or a liability for a plan’s underfunded status in our financial statements. We report changes in the funded status of our pension and postretirement plans as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur. We measure our plans’ assets and obligations that determine its future funded status as of December 31 st each year. Stock-Based Compensation We maintain various long-term incentive stock benefit plans under which we grant stock options, restricted stock awards, and restricted stock units to certain key employees and directors. We recognize compensation expense in our income statement over the requisite service period, based on the grant-date fair value of the award. The fair values of stock options are estimated using the Black-Scholes option pricing model. For restricted stock awards and units, we recognize compensation expense on a straight-line basis over the vesting period for the fair value of the award, measured at the grant date. Income Taxes We account for income taxes under the asset and liability method. Our deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which we expect the deferred tax assets or liabilities to be realized or settled. Deferred tax assets are recognized only to the extent that it is probable that sufficient taxable profit will be available against which those unused tax losses, unused tax credits or deductible temporary differences can be utilized. As changes in tax laws or rates are enacted, we adjust our deferred tax assets and liabilities through income tax expense. We recognize penalties and accrued interest related to unrecognized tax benefits in income tax expense. Federal and State tax credits are accounted for as a reduction of income tax expense. Earnings per Share We compute earnings per common share (“EPS”) in accordance with the two-class method, which requires that our unvested restricted stock awards that contain nonforfeitable rights to dividends be treated as participating securities in the computation of EPS pursuant to the two-class method. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Our basic EPS is computed by dividing net income allocable to common stockholders by the weighted average number of our common shares outstanding for the period. Our diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in our earnings. Investment and Fiduciary Services Assets that we hold in a fiduciary or agency capacity for our customers are not included in our accompanying Consolidated Statements of Condition, since these assets are not

Business Combination

Business Combination	12 Months Ended
	Dec. 31, 2015
Business Combination, Description [Abstract]
Business combinations	Note 2. Business Combination On October 30, 2015, the Company and KeyCorp (“KeyCorp”) entered into an Agreement and Plan of Merger (the “Merger Agreement”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, the Company will merge with and into KeyCorp (the “Merger”), with KeyCorp as the surviving corporation in the Merger. The Merger Agreement was approved by the Board of Directors of each of the Company and KeyCorp. Subject to the terms and conditions of the Merger Agreement, at the effective time of the Merger (the “Effective Time”), Company shareholders will have the right to receive (i) 0.680 shares (the “Exchange Ratio”) of KeyCorp common stock, par value $1.00 per share, and (ii) $2.30 in cash, for each share of Company common stock, par value $0.01 per share. Subject to the terms and conditions of the Merger Agreement, at the effective time of the Merger, each share of Company preferred stock, Series B, par value $0.01 per share, will be converted into the right to receive a share of a newly created series of preferred stock of KeyCorp having such rights, preferences, privileges and voting powers not materially less favorable to such holders than such Company preferred stock. The Merger Agreement contains customary representations and warranties from both KeyCorp and the Company, and each party has agreed to customary covenants, including, among others, covenants relating to the conduct of its business during the interim period between the execution of the Merger Agreement and the Effective Time, its obligation to recommend that its shareholders adopt the Merger Agreement and, in the case of First Niagara, its non-solicitation obligations relating to alternative acquisition proposals. The completion of the Merger is subject to customary conditions, including, among others, (1) the adoption of the Merger Agreement by the Company's and KeyCorp’s shareholders and the approval by KeyCorp’s shareholders of amendments to KeyCorp’s articles of incorporation, (2) authorization for listing on the New York Stock Exchange of the shares of KeyCorp common stock and KeyCorp preferred stock to be issued in the Merger, (3) the effectiveness of the registration statement on Form S-4 for the KeyCorp common stock and the KeyCorp preferred stock to be issued in the Merger, (4) the absence of any order, injunction or other legal restraint preventing the completion of the Merger or making the consummation of the Merger illegal and (5) the receipt of required regulatory approvals, including the approval of the Federal Reserve Board. Each party’s obligation to complete the Merger is also subject to certain additional customary conditions, including (i) subject to certain exceptions, the accuracy of the representations and warranties of the other party, (ii) performance in all material respects by the other party of its obligations under the Merger Agreement and (iii) receipt by such party of an opinion from its counsel to the effect that the Merger will qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended. Direct costs related to the Merger were expensed as incurred and amounted to $14 million for the year ended December 31, 2015 . These costs were primarily comprised of investment banker fees and other professional services fees, employee retention expenses, and classification of compensation of certain personnel dedicated to merger integration efforts.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The amortized cost, gross unrealized gains and losses, and fair value of our investment securities are as follows at December 31: Amortized Unrealized Unrealized Fair 2015 cost gains losses value Investment securities available for sale: Debt securities: States and political subdivisions $ 374 $ 5 $ — $ 379 U.S. Treasury 55 — — 55 U.S. government sponsored enterprises 268 2 (2 ) 269 Corporate 828 7 (34 ) 801 Total debt securities 1,525 15 (36 ) 1,504 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 27 — (1 ) 26 Federal National Mortgage Association 68 3 — 71 Federal Home Loan Mortgage Corporation 84 4 — 87 Collateralized mortgage obligations: Government National Mortgage Association 94 — (1 ) 94 Federal National Mortgage Association 738 1 (9 ) 730 Federal Home Loan Mortgage Corporation 359 1 (4 ) 355 Total collateralized mortgage obligations 1,191 2 (14 ) 1,179 Total residential mortgage-backed securities 1,369 10 (15 ) 1,364 Commercial mortgage-backed securities, non-agency issued 1,067 17 — 1,085 Total mortgage-backed securities 2,437 27 (15 ) 2,449 Collateralized loan obligations, non-agency issued 1,192 5 (11 ) 1,186 Asset-backed securities collateralized by: Student loans 170 2 — 171 Credit cards 20 — — 20 Auto loans 66 — — 66 Other 53 — — 53 Total asset-backed securities 309 3 (1 ) 310 Other 22 — — 22 Total securities available for sale $ 5,485 $ 49 $ (63 ) $ 5,471 Investment securities held to maturity: Debt securities, U.S. government agencies $ 42 $ — $ — $ 42 Residential mortgage-backed securities: Government National Mortgage Association 17 — — 17 Federal National Mortgage Association 93 — (1 ) 92 Federal Home Loan Mortgage Corporation 50 — — 50 Collateralized mortgage obligations: Government National Mortgage Association 1,571 14 (6 ) 1,579 Federal National Mortgage Association 2,297 8 (26 ) 2,279 Federal Home Loan Mortgage Corporation 2,318 20 (19 ) 2,319 Total collateralized mortgage obligations 6,186 42 (51 ) 6,177 Total residential mortgage-backed securities 6,345 43 (53 ) 6,336 Total securities held to maturity $ 6,388 $ 43 $ (53 ) $ 6,378 Amortized Unrealized Unrealized Fair 2014 cost gains losses value Investment securities available for sale: Debt securities: States and political subdivisions $ 444 $ 10 $ — $ 453 U.S. Treasury 25 — — 25 U.S. government sponsored enterprises 187 5 — 191 Corporate 820 15 (12 ) 823 Total debt securities 1,476 29 (12 ) 1,492 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 34 1 (1 ) 34 Federal National Mortgage Association 96 5 — 100 Federal Home Loan Mortgage Corporation 115 5 — 120 Collateralized mortgage obligations: Federal National Mortgage Association 694 2 (13 ) 682 Federal Home Loan Mortgage Corporation 353 1 (4 ) 350 Total collateralized mortgage obligations 1,047 3 (18 ) 1,032 Total residential mortgage-backed securities 1,291 13 (19 ) 1,286 Commercial mortgage-backed securities, non-agency issued 1,450 51 — 1,500 Total mortgage-backed securities 2,741 64 (19 ) 2,786 Collateralized loan obligations, non-agency issued 1,001 18 (3 ) 1,016 Asset-backed securities collateralized by: Student loans 228 7 — 235 Credit cards 42 — — 42 Auto loans 193 1 — 194 Other 127 1 (1 ) 127 Total asset-backed securities 591 9 (1 ) 599 Other 22 — — 22 Total securities available for sale $ 5,830 $ 121 $ (35 ) $ 5,915 Investment securities held to maturity: Debt securities, U.S. government agencies $ 60 $ — $ — $ 60 Residential mortgage-backed securities: Government National Mortgage Association 12 — — 12 Federal National Mortgage Association 118 1 (1 ) 118 Federal Home Loan Mortgage Corporation 65 1 — 65 Collateralized mortgage obligations: Government National Mortgage Association 1,755 27 (3 ) 1,779 Federal National Mortgage Association 1,965 11 (22 ) 1,954 Federal Home Loan Mortgage Corporation 1,967 25 (17 ) 1,976 Total collateralized mortgage obligations 5,687 63 (41 ) 5,709 Total residential mortgage-backed securities 5,882 64 (42 ) 5,904 Total securities held to maturity $ 5,942 $ 64 $ (42 ) $ 5,964 The table below details certain information regarding our investment securities that were in an unrealized loss position at the dates indicated by the length of time those securities were in a continuous loss position: Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 value losses Count value losses Count value losses Count Investment securities available for sale: Debt securities: States and political subdivisions $ 22 $ — 32 $ 2 $ — 3 $ 24 $ — 35 U.S. Treasury 30 — 2 — — — 30 — 2 U.S. government sponsored enterprises 132 (2 ) 15 — — 1 132 (2 ) 16 Corporate 311 (16 ) 195 102 (18 ) 71 413 (34 ) 266 Total debt securities 495 (18 ) 244 104 (18 ) 75 599 (36 ) 319 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 1 — 6 17 (1 ) 5 18 (1 ) 11 Federal National Mortgage Association — — — — — 1 — — 1 Federal Home Loan Mortgage Corporation — — 1 — — — — — 1 Collateralized mortgage obligations: Government National Mortgage Association 94 (1 ) 4 — — — 94 (1 ) 4 Federal National Mortgage Association 326 (3 ) 26 166 (6 ) 10 492 (9 ) 36 Federal Home Loan Mortgage Corporation 212 (3 ) 14 39 (2 ) 2 251 (4 ) 16 Total collateralized mortgage obligations 631 (6 ) 44 205 (8 ) 12 836 (14 ) 56 Total residential mortgage-backed securities 632 (6 ) 51 222 (8 ) 18 854 (15 ) 69 Commercial mortgage-backed securities, non-agency issued 35 — 6 — — — 35 — 6 Total mortgage-backed securities 667 (6 ) 57 222 (8 ) 18 889 (15 ) 75 Collateralized loan obligations, non-agency issued 698 (10 ) 68 154 (1 ) 18 852 (11 ) 86 Asset-backed securities collateralized by: Student loans 27 — 6 9 — 2 36 — 8 Credit card 8 — 1 — — — 8 — 1 Auto loans 2 — 2 — — — 2 — 2 Other 33 — 5 — — — 33 — 5 Total asset-backed securities 71 (1 ) 14 9 — 2 79 (1 ) 16 Other 12 — 2 9 — 3 21 — 5 Total securities available for sale in an unrealized loss position $ 1,942 $ (35 ) 385 $ 498 $ (28 ) 116 $ 2,441 $ (63 ) 501 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 value losses Count value losses Count value losses Count Investment securities held to maturity: Debt securities, U.S. government agencies $ 20 $ — 1 $ — $ — — $ 20 $ — 1 Residential mortgage-backed securities: Government National Mortgage Association 6 — 4 — — 1 7 — 5 Federal National Mortgage Association 35 — 14 27 (1 ) 9 62 (1 ) 23 Federal Home Loan Mortgage Corporation 31 — 13 4 — 2 35 — 15 Collateralized mortgage obligations: Government National Mortgage Association 675 (5 ) 85 63 (1 ) 22 738 (6 ) 107 Federal National Mortgage Association 946 (13 ) 57 398 (13 ) 27 1,345 (26 ) 84 Federal Home Loan Mortgage Corporation 1,019 (10 ) 66 310 (9 ) 24 1,329 (19 ) 90 Total collateralized mortgage obligations 2,641 (28 ) 208 771 (23 ) 73 3,412 (51 ) 281 Total residential mortgage-backed securities 2,713 (29 ) 239 803 (24 ) 85 3,516 (53 ) 324 Total securities held to maturity in an unrealized loss position $ 2,733 $ (29 ) 240 $ 803 $ (24 ) 85 $ 3,535 $ (53 ) 325 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 value losses Count value losses Count value losses Count Investment securities available for sale: Debt securities: States and political subdivisions $ 16 $ — 22 $ 1 $ — 5 $ 17 $ — 27 U.S. Treasury 5 — 1 — — — 5 — 1 U.S. government sponsored enterprises 18 — 7 42 — 4 60 — 11 Corporate 176 (7 ) 127 102 (5 ) 61 278 (12 ) 188 Total debt securities 215 (7 ) 157 145 (5 ) 70 360 (12 ) 227 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association — — — 19 (1 ) 5 19 (1 ) 5 Collateralized mortgage obligations: Federal National Mortgage Association 26 — 3 517 (13 ) 30 542 (13 ) 33 Federal Home Loan Mortgage Corporation 47 — 3 216 (4 ) 12 263 (4 ) 15 Total collateralized mortgage obligations 73 — 6 733 (18 ) 42 806 (18 ) 48 Total residential mortgage-backed securities 73 — 6 752 (19 ) 47 825 (19 ) 53 Commercial mortgage-backed securities, non-agency issued 13 — 3 24 — 3 36 — 6 Total mortgage-backed securities 85 — 9 776 (19 ) 50 861 (19 ) 59 Collateralized loan obligations, non-agency issued 276 (2 ) 32 146 (1 ) 15 422 (3 ) 47 Asset-backed securities collateralized by: Student loans 26 — 4 2 — 2 28 — 6 Credit card 8 — 1 — — — 8 — 1 Auto loans 3 — 2 — — — 3 — 2 Other — — 1 52 (1 ) 5 52 (1 ) 6 Total asset-backed securities 37 — 8 55 (1 ) 7 92 (1 ) 15 Other — — — 9 — 3 9 — 3 Total securities available for sale in an unrealized loss position $ 614 $ (10 ) 206 $ 1,130 $ (26 ) 145 $ 1,744 $ (35 ) 351 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 value losses Count value losses Count value losses Count Investment securities held to maturity: Debt securities, U.S. government agencies $ 38 $ — 5 $ — $ — — $ 38 $ — 5 Residential mortgage-backed securities: Government National Mortgage Association — — — 2 — 2 2 — 2 Federal National Mortgage Association 4 — 1 51 (1 ) 12 55 (1 ) 13 Federal Home Loan Mortgage Corporation 33 — 9 9 — 2 42 — 11 Collateralized mortgage obligations: Government National Mortgage Association 360 (2 ) 48 46 (1 ) 12 407 (3 ) 60 Federal National Mortgage Association 240 (1 ) 18 648 (21 ) 36 888 (22 ) 54 Federal Home Loan Mortgage Corporation 422 (5 ) 27 463 (12 ) 28 885 (17 ) 55 Total collateralized mortgage obligations 1,022 (8 ) 93 1,157 (34 ) 76 2,179 (41 ) 169 Total residential mortgage-backed securities 1,059 (8 ) 103 1,219 (35 ) 92 2,278 (42 ) 195 Total securities held to maturity in an unrealized loss position $ 1,097 $ (8 ) 108 $ 1,219 $ (35 ) 92 $ 2,316 $ (42 ) 200 We have assessed our securities that were in an unrealized loss position at December 31, 2015 and 2014 and determined that any decline in fair value below amortized cost was temporary. The Volcker Rule provisions of the Dodd-Frank Act restrict the ability of affiliates of insured depository institutions to sponsor or invest in private funds or to engage in certain types of proprietary trading. Although the Volcker Rule became effective on July 21, 2012 and the final rules became effective April 1, 2014, in connection with the adoption of the final rules on December 10, 2013 by the responsible agencies, the Federal Reserve issued an order extending the period during which institutions have to conform their activities and investments to the requirements of the Volcker Rule to July 21, 2015. In connection with conforming our activities to the Volcker Rule, including the establishment of a compliance program by July 21, 2015, we engaged in an enterprise wide review and established a cross functional working group. Our Volcker Rule conformance efforts included the establishment of a corporate-wide compliance program, required for banks with assets over $10 billion, which reviews and monitors Volcker Rule compliance on an on-going basis. A significant portion of our Volcker Rule conformance efforts included confirming that our activities are either excluded or exempted from the Volcker Rule. In areas where we have Volcker Rule applicability, including in connection with capital markets (e.g., risk mitigating hedging), residential lending (e.g., secondary mortgage originations) and certain other activities, Volcker Rule conformance is not anticipated to have a material impact. We have significant Volcker Rule applicability in connection with Collateralized Loan Obligations ("CLOs") held in our investment securities portfolio. The issuance of the final Volcker Rule restricts our ability to hold debt securities issued by CLOs where our investment in these debt securities is deemed to be an ownership interest in a CLO and the CLO itself does not qualify for an exclusion in the final rule for loan securitizations. On December 18, 2014, the Federal Reserve Board announced it would give banking entities until July 21, 2016 to conform investments in covered funds that were in place prior to December 31, 2013 ("legacy covered funds"). The Board also announced its intention to act next year to grant banking entities an additional one-year extension of the conformance period for legacy covered funds which together would extend until July 21, 2017 the time period for institutions to conform their ownership interests to the stated provisions of the final Volcker Rule. For our CLOs subject to the Volcker Rule in an unrealized loss position, we believe it is more likely than not that we will be able to hold these securities to recovery, which could be maturity as the Federal Reserve announcement extends the conformance period to July 2017 and we believe that other structural remedies are available to us to allow us to continue holding the bonds after the conformance period. In making the determination that the declines in fair value below amortized cost for the remainder of the portfolio were temporary, we considered some or all of the following factors: the period of time the securities were in an unrealized loss position, the percentage decline in comparison to the securities’ amortized cost, credit rating, the financial condition of the issuer and guarantor, where applicable, the delinquency or default rates of underlying collateral, projected collateral losses, projected cash flows and credit enhancement. If the level of credit enhancement is sufficient based on our expectations of future collateral losses, we conclude that we will receive all of the originally scheduled cash flows. If the present value of the cash flows indicates that we should not expect to recover the amortized cost basis of the security, we would consider the security to be other than temporarily impaired and write down the credit component of the unrealized loss through a charge to current period earnings. We do not intend to sell these securities in an unrealized loss position and it is not more likely than not that we will be required to sell these securities before the recovery of their amortized cost bases, which may be at maturity. Scheduled contractual maturities of our investment securities were as follows at December 31, 2015 : Amortized cost Fair value Debt securities: Within one year $ 321 $ 324 After one year through five years 552 552 After five years through ten years 685 660 After ten years 9 9 Total debt securities 1,568 1,546 Mortgage-backed securities 8,782 8,785 Collateralized loan obligations 1,192 1,186 Asset-backed securities 309 310 Other 22 22 $ 11,873 $ 11,849 While the contractual maturities of our mortgage-backed securities, collateralized loan obligations, asset-backed securities, and other securities generally exceed ten years , we expect the effective lives to be significantly shorter due to prepayments of the underlying loans and the nature of these securities. The duration of our investment securities portfolio was 3.3 years at December 31, 2015 , compared to 3.7 years at December 31, 2014 . At December 31, 2015 and 2014 , $6.9 billion and $6.1 billion , respectively, of our investment securities were pledged to secure borrowings and lines of credit from the FHLB and Federal Reserve Bank (“FRB”), as well as repurchase agreements, certain deposits, and derivative instruments. At December 31, 2015 , our investment portfolio included securities issued by the Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, and Government National Mortgage Association with a fair value of $2.8 billion , $3.2 billion , and $1.7 billion , respectively. We had no other investments in securities of a single issuer that exceeded 10% of our stockholders’ equity. Our investment in FHLB stock consists of $280 million of FHLB of New York common stock at December 31, 2015 and of $256 million and $25 million of FHLB of New York common stock and FHLB of Boston common stock, respectively, at December 31, 2014 . Our investment in FRB stock amounted to $131 million at December 31, 2015 and 2014 .

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Loans and Leases	Note 4. Loans and Leases Overall Portfolio Our loan portfolio is made up of two segments, commercial loans and consumer loans. Those segments are further segregated between our loans initially accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired (referred to as “acquired” loans). Our commercial loan portfolio segment includes both business and commercial real estate loans. Our consumer portfolio segment includes residential real estate, home equity, indirect auto, credit cards, and other consumer loans. Our loans and leases receivable consisted of the following at December 31: 2015 2014 Originated Acquired Total Originated Acquired Total Commercial: Real estate $ 6,539 $ 835 $ 7,375 $ 6,181 $ 1,050 $ 7,231 Construction 1,278 — 1,278 973 1 973 Business 5,853 160 6,013 5,430 345 5,775 Total commercial 13,670 996 14,665 12,584 1,395 13,979 Consumer: Residential real estate 2,349 1,005 3,355 2,096 1,257 3,353 Home equity 2,133 936 3,069 1,847 1,089 2,936 Indirect auto 2,393 — 2,393 2,166 — 2,166 Credit cards 311 — 311 324 — 324 Other consumer 245 — 245 278 — 278 Total consumer 7,431 1,941 9,372 6,711 2,347 9,058 Total loans and leases 21,101 2,937 24,038 19,296 3,742 23,037 Allowance for loan losses (237 ) (5 ) (242 ) (228 ) (6 ) (234 ) Total loans and leases, net $ 20,864 $ 2,932 $ 23,796 $ 19,067 $ 3,736 $ 22,803 As of December 31, 2015 and 2014 , we had a liability for unfunded loan commitments of $16 million . For 2014 , we recognized provision for credit losses related to our unfunded loan commitments of $3 million . For 2015 , our provision for credit losses related to our unfunded loan commitments was not material. Of the $3.1 billion and $2.9 billion home equity portfolio at December 31, 2015 and 2014 , respectively, $1.2 billion and $1.1 billion were in a first lien position at each period end, respectively. We hold or service the first lien loan for approximately 10% of the remainder of the home equity portfolio that was in a second lien position as of December 31, 2015 and 2014 . As of December 31, 2015 , commitments to extend credit to related parties amounted to $41 million , of which $32 million was outstanding and due as of December 31, 2015 . Acquired loan portfolios We have acquired loans in four acquisitions since January 1, 2009. All acquired loans were initially measured at fair value and subsequently accounted for under either Accounting Standards Codification Topic (“ASC”) 310-30 (Loans and Debt Securities Acquired with Deteriorated Credit Quality) or ASC 310-20 (Nonrefundable Fees and Other Costs). The outstanding principal balance and the related carrying amount of our acquired loans included in our Consolidated Statements of Condition were as follows at December 31: 2015 2014 Credit impaired acquired loans evaluated individually for future credit losses Outstanding principal balance $ 5 $ 10 Carrying amount 5 6 Acquired loans evaluated collectively for future credit losses Outstanding principal balance 1,918 2,549 Carrying amount 1,883 2,496 Other acquired loans Outstanding principal balance 1,069 1,274 Carrying amount 1,049 1,240 Total acquired loans Outstanding principal balance 2,992 3,832 Carrying amount 2,937 3,742 The following table presents changes in the accretable yield, which includes income recognized from contractual interest cash flows, for the dates indicated. Acquired lines of credit accounted for under ASC 310-20 are not included in this table. Balance at January 1, 2014 $ (851 ) Net reclassifications from nonaccretable yield (5 ) Accretion 138 Other (1) 55 Balance at December 31, 2014 (663 ) Net reclassifications from nonaccretable yield (9 ) Accretion 104 Balance at December 31, 2015 $ (569 ) (1) Includes changes in expected cash flows from changes in interest rate and prepayment assumptions. During the first quarter of 2014, we reduced our estimate of future cash flows on acquired loans to reflect our current outlook for prepayment speeds on these balances. The increase in prepayment speed assumptions reduced our accretable discount by $55 million in 2014. This change did not materially impact our interest income or net interest margin. Allowance for loan losses As further discussed in Note 1, Summary of Significant Accounting Policies, we establish our allowance for loan losses through a provision for credit losses based on our evaluation of the overall credit quality of our total loan portfolio. We segregate our loans between loans we originated which are accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired (referred to as “acquired” loans), as acquired loans were originally recorded at fair value, which included an estimate of lifetime credit losses, resulting in no carryover of the related allowance for loan losses. We continue to monitor and modify the level of our allowance for loan losses to ensure it is adequate to cover losses inherent in our loan portfolio. We determined our allowance for loan losses by portfolio segment as defined above. For our originated loans, the allowance for loan losses is comprised of two components. The first component covers pools of loans for which there are incurred losses that are not yet individually identifiable. The allowance for pools of loans is based on net historical loan loss experience for similar loans with similar inherent risk characteristics and performance trends adjusted, as appropriate, for quantitative and qualitative risk factors specific to respective loan types. The second component covers loans that have been identified as impaired or are nonperforming as well as troubled debt restructurings (“TDRs”.) We also maintain an allowance for loan losses on acquired loans when: (i) for loans accounted for under ASC 310-30, there is deterioration in credit quality subsequent to acquisition, and (ii) for loans accounted for under ASC 310-20, the inherent losses in the loans exceed the remaining credit discount recorded at the time of acquisition. Beginning in the second quarter of 2014, we raised our threshold for evaluating commercial loans individually for impairment from $200 thousand to $1 million . Impaired loans to commercial borrowers with outstandings less than $1 million are pooled and measured for impairment collectively. Additionally, all loans modified in a troubled debt restructuring ("TDR"), regardless of dollar size, are considered impaired. The impact of this change to our allowance for loan losses was not significant. This change is being implemented on a prospective basis, accordingly, prior period financial disclosures have not been revised. The following table presents the activity in our allowance for loan losses on originated loans and related recorded investment of the associated loans in our originated loan portfolio segment for the years ended December 31: Commercial Consumer Originated loans Real estate Business Residential Home equity Indirect auto Credit cards Other consumer Total 2015 Allowance for loan losses: Balance at beginning of year $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Provision for loan losses 24 26 — 1 5 10 7 74 Charge-offs (19 ) (30 ) (1 ) (4 ) (9 ) (12 ) (8 ) (83 ) Recoveries 5 5 — 1 2 3 1 18 Balance at end of year $ 75 $ 124 $ 2 $ 6 $ 13 $ 13 $ 5 $ 237 Allowance for loan losses: Individually evaluated for impairment $ 2 $ 7 $ — $ — $ — $ — $ — $ 10 Collectively evaluated for impairment 73 117 1 6 13 13 5 227 Total $ 75 $ 124 $ 2 $ 6 $ 13 $ 13 $ 5 $ 237 Loans receivable: Balance at end of year Individually evaluated for impairment $ 47 $ 69 $ 22 $ 17 $ 4 $ — $ 2 $ 162 Collectively evaluated for impairment 7,770 5,784 2,327 2,117 2,389 311 242 20,940 Total $ 7,817 $ 5,853 $ 2,349 $ 2,133 $ 2,393 $ 311 $ 245 $ 21,101 2014 Allowance for loan losses: Balance at beginning of year $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Provision for loan losses 23 30 1 4 11 10 6 85 Charge-offs (10 ) (30 ) (1 ) (4 ) (9 ) (13 ) (8 ) (75 ) Recoveries 4 3 — 1 1 2 1 13 Balance at end of year $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Allowance for loan losses: Individually evaluated for impairment $ 2 $ 2 $ 1 $ 1 $ — $ — $ — $ 6 Collectively evaluated for impairment 63 120 1 7 14 12 5 222 Total $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Loans receivable: Balance at end of year Individually evaluated for impairment $ 64 $ 61 $ 20 $ 7 $ 2 $ — $ 2 $ 156 Collectively evaluated for impairment 7,089 5,370 2,076 1,840 2,164 324 276 19,139 Total $ 7,154 $ 5,430 $ 2,096 $ 1,847 $ 2,166 $ 324 $ 278 $ 19,296 Commercial Consumer Originated loans Real estate Business Residential Home Equity Indirect auto Credit cards Other Consumer Total 2013 Allowance for loan losses: Balance at beginning of year $ 38 $ 99 $ 5 $ 5 $ 3 $ 7 $ 5 $ 161 Provision for loan losses 17 48 (1 ) 6 9 11 8 96 Charge-offs (10 ) (31 ) (2 ) (3 ) (3 ) (6 ) (8 ) (63 ) Recoveries 4 3 1 — 1 1 2 11 Balance at end of year $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Allowance for loan losses: Individually evaluated for impairment $ 4 $ 2 $ 1 $ 3 $ — $ — $ — $ 9 Collectively evaluated for impairment 44 117 1 4 10 13 6 196 Total $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Loans receivable: Balance at end of year Individually evaluated for impairment $ 72 $ 59 $ 20 $ 8 $ 1 $ — $ 3 $ 163 Collectively evaluated for impairment 6,282 4,818 1,882 1,610 1,543 325 299 16,759 Total $ 6,354 $ 4,876 $ 1,902 $ 1,618 $ 1,544 $ 325 $ 302 $ 16,922 The following table presents the activity in our allowance for loan losses and related recorded investment of the associated loans in our acquired loan portfolio for the years ended December 31: Commercial Consumer Acquired loans Real estate Business Residential Home equity Credit cards Other consumer Total 2015 Allowance for loan losses: Balance at beginning of year $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Provision for loan losses 2 — — 1 — — 3 Charge-offs (2 ) — — (2 ) — — (5 ) Recoveries 1 — — — — — 1 Balance at end of year $ 1 $ — $ 2 $ 2 $ — $ — $ 5 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 1 — 2 2 — — 5 Total $ 1 $ — $ 2 $ 2 $ — $ — $ 5 Loans receivable: Balance at end of year Individually evaluated for impairment $ — $ — $ — $ 4 $ — $ — $ 4 Collectively evaluated for impairment — 160 — 885 — — 1,045 Loans acquired with deteriorated credit quality 835 — 1,005 47 — — 1,888 Total $ 835 $ 160 $ 1,005 $ 936 $ — $ — $ 2,937 2014 Allowance for loan losses: Balance at beginning of year $ — $ — $ 1 $ 3 $ — $ — $ 4 Provision for loan losses 3 1 1 3 — — 8 Charge-offs (2 ) — — (4 ) — — (6 ) Recoveries — — — — — — — Balance at end of year $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 1 1 2 2 — — 6 Total $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Loans receivable: Balance at end of year Individually evaluated for impairment $ — $ 3 $ — $ 4 $ — $ — $ 7 Collectively evaluated for impairment — 269 — 964 — — 1,233 Loans acquired with deteriorated credit quality 1,050 73 1,257 122 — — 2,502 Total $ 1,050 $ 345 $ 1,257 $ 1,089 $ — $ — $ 3,742 Commercial Consumer Acquired loans Real estate Business Residential Home equity Credit cards Other consumer Total 2013 Allowance for loan losses: Balance at beginning of year $ — $ — $ — $ — $ — $ 1 $ 2 Provision for loan losses 4 — 1 3 — (1 ) 7 Charge-offs (4 ) — — — — (1 ) (5 ) Recoveries — — — — — — — Balance at end of year $ — $ — $ 1 $ 3 $ — $ — $ 4 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment — — 1 3 — — 4 Total $ — $ — $ 1 $ 3 $ — $ — $ 4 Loans receivable: Balance at end of year Individually evaluated for impairment $ 1 $ 7 $ — $ 1 $ — $ — $ 10 Collectively evaluated for impairment — 305 — 960 — — 1,264 Loans acquired with deteriorated credit quality 1,423 102 1,546 173 — — 3,244 Total $ 1,423 $ 414 $ 1,546 $ 1,134 $ — $ — $ 4,517 Credit Quality We monitor credit quality as indicated by various factors and utilize such information in our evaluation of the adequacy of the allowance for loan losses. The following sections discuss the various credit quality indicators that we consider. Nonperforming loans Our nonperforming loans consisted of the following at December 31: 2015 2014 Originated Acquired Total Originated Acquired Total Commercial: Real estate $ 44 $ — $ 44 $ 53 $ — $ 53 Business 56 1 58 45 7 53 Total commercial 101 1 102 98 7 106 Consumer: Residential real estate 32 — 32 34 — 34 Home equity 36 24 59 24 23 47 Indirect auto 15 — 15 13 — 13 Other consumer 5 — 5 5 — 5 Total consumer 87 24 111 75 23 98 Total $ 188 $ 25 $ 214 $ 174 $ 30 $ 204 The table below provides information about the interest income that would have been recognized if our nonperforming loans had performed in accordance with terms for the years ending December 31: 2015 2014 2013 Additional interest income that would have been recorded if nonperforming loans had performed in accordance with original terms $ 12 $ 8 $ 7 Impaired loans The following table provides information about our impaired originated loans including ending recorded investment, principal balance, and related allowance amount at December 31. Loans with no related allowance for loan losses have adequate collateral securing their carrying value and in some circumstances have been charged down to their current carrying value based on the fair value of the collateral. The recorded investment of our impaired loans, less any related allowance for loan losses, was 64% and 70% of the loans’ unpaid principal balance at December 31, 2015 and 2014 , respectively. 2015 2014 Originated loans Recorded investment Unpaid principal balance Related allowance Recorded investment Unpaid principal balance Related allowance With no related allowance recorded: Commercial: Real estate $ 17 $ 35 $ — $ 40 $ 59 $ — Business 37 80 — 29 51 — Total commercial 54 115 — 69 110 — Consumer: Residential real estate 16 19 — 8 9 — Home equity 12 15 — 3 4 — Indirect auto 3 4 — 2 3 — Other consumer 2 2 — 2 2 — Total consumer 32 40 — 16 18 — Total $ 86 $ 155 $ — $ 85 $ 128 $ — With a related allowance recorded: Commercial: Real estate $ 31 $ 38 $ 2 $ 24 $ 27 $ 2 Business 32 33 7 32 43 2 Total commercial 63 71 9 56 70 4 Consumer: Residential real estate 6 6 — 11 13 1 Home equity 5 5 — 4 4 1 Indirect auto 1 1 — — — — Other consumer 1 1 — — — — Total consumer 13 13 — 16 17 2 Total $ 76 $ 84 $ 10 $ 71 $ 87 $ 6 Total Commercial: Real estate $ 47 $ 72 $ 2 $ 64 $ 86 $ 2 Business 69 113 7 61 93 2 Total commercial 116 186 9 125 179 4 Consumer: Residential real estate 22 25 — 20 22 1 Home equity 17 20 — 7 8 1 Indirect auto 4 6 — 2 3 — Other consumer 2 3 — 2 2 — Total consumer 45 53 — 31 36 2 Total $ 162 $ 239 $ 10 $ 156 $ 215 $ 6 The following table provides information about our impaired acquired loans with no related allowance at December 31. There were no impaired acquired loans with a related allowance at the dates indicated. The remaining credit mark is considered adequate to cover any loss on these balances. 2015 2014 Acquired loans Recorded Unpaid principal balance Related Recorded Unpaid principal balance Related Commercial: Real estate $ — $ — $ — $ — $ — $ — Business — — — 3 3 — Total commercial — — — 3 3 — Consumer: Residential real estate — — — — — — Home equity 4 6 — 4 6 — Other consumer — — — — — — Total consumer 4 6 — 4 6 — Total (1) $ 4 $ 6 $ — $ 7 $ 9 $ — (1) Includes nonperforming purchased credit impaired loans. The following table provides information about our impaired originated loans including the average recorded investment and interest income recognized on impaired loans for the years ended December 31: 2015 2014 2013 Originated loans Average recorded investment Interest income recognized Average recorded investment Interest income recognized Average recorded investment Interest income recognized Commercial: Real estate $ 59 $ 1 $ 69 $ 1 $ 80 $ 1 Business 104 2 53 1 63 1 Total commercial 163 3 122 3 142 2 Consumer: Residential real estate 22 1 21 — 20 — Home equity 13 1 5 — 5 — Indirect auto 5 — 3 — 1 — Other consumer 3 — 3 — 3 — Total consumer 43 3 31 — 29 1 Total $ 205 $ 5 $ 153 $ 3 $ 172 $ 3 The following table provides information about our impaired acquired loans including the average recorded investment and interest income recognized on impaired loans for the years ended December 31: 2015 2014 2013 Acquired loans Average Interest Average Interest Average Interest Commercial: Real estate $ — $ — $ — $ — $ 1 $ — Business — — 2 — 7 — Total commercial — — 2 — 8 — Consumer: Residential real estate — — — — — — Home equity 1 — 1 — — — Other consumer — — — — — — Total consumer 1 — 1 — — — Total (1) $ 1 $ — $ 3 $ — $ 9 $ — (1) Includes nonperforming purchased credit impaired loans. Period end nonperforming loans differed from the amount of total impaired loans as certain TDRs, which are considered impaired loans, were accruing interest because the borrower demonstrated its ability to satisfy the terms of the restructured loan for at least six consecutive payments. Also contributing to the difference are nonperforming commercial loans of less than $1 million and nonperforming consumer loans, which are not considered impaired unless they have been modified in a TDR as they are evaluated collectively when determining the allowance for loan losses. The following table is a reconciliation between nonperforming loans and impaired loans at December 31: 2015 2014 Commercial Consumer Total Commercial Consumer Total Nonperforming loans $ 102 $ 111 $ 214 $ 106 $ 98 $ 204 Plus: Accruing TDRs 49 13 63 59 8 67 Less: Smaller balance nonperforming loans evaluated collectively when determining the allowance for loan losses (35 ) (75 ) (110 ) (36 ) (71 ) (108 ) Total impaired loans (1) $ 116 $ 50 $ 166 $ 128 $ 35 $ 163 (1) Includes nonperforming purchased credit impaired loans. Credit Quality Indicators The primary indicators of credit quality are delinquency status and our internal loan gradings for our commercial loan portfolio segment and delinquency status and current FICO scores for our consumer loan portfolio segment. The following table contains an aging analysis of our loans by class at December 31: 30-59 days 60-89 days Greater than Total Current Total loans Greater than (1) 2015 Originated loans Commercial: Real estate $ 8 $ 2 $ 29 $ 39 $ 7,778 $ 7,817 $ — Business 26 3 23 51 5,802 5,853 — Total commercial 34 5 52 90 13,580 13,670 — Consumer: Residential real estate 5 1 20 26 2,323 2,349 — Home equity 3 2 22 26 2,107 2,133 — Indirect auto 20 4 6 30 2,364 2,393 — Credit cards 2 1 2 5 306 311 2 Other consumer 2 1 3 6 239 245 — Total consumer 31 9 53 92 7,339 7,431 2 Total $ 64 $ 13 $ 104 $ 182 $ 20,919 $ 21,101 $ 3 Acquired loans Commercial: Real estate $ 2 $ 1 $ 20 $ 23 $ 812 $ 835 $ 20 Business — — 1 2 159 160 — Total commercial 3 1 21 25 971 996 20 Consumer: Residential real estate 12 5 43 60 945 1,005 43 Home equity 3 1 18 22 914 936 1 Total consumer 15 6 61 82 1,859 1,941 45 Total $ 18 $ 7 $ 82 $ 107 $ 2,830 $ 2,937 $ 65 2014 Originated loans Commercial: Real estate $ 7 $ 2 $ 31 $ 40 $ 7,113 $ 7,154 $ — Business 5 7 17 28 5,402 5,430 — Total commercial 11 9 49 69 12,515 12,584 — Consumer: Residential real estate 4 2 21 27 2,069 2,096 — Home equity 3 1 15 19 1,828 1,847 — Indirect auto 17 4 5 27 2,139 2,166 — Credit cards 2 2 2 6 318 324 2 Other consumer 3 1 3 7 271 278 — Total consumer 29 10 46 85 6,626 6,711 2 Total $ 41 $ 19 $ 95 $ 154 $ 19,141 $ 19,296 $ 3 Acquired loans Commercial: Real estate $ 3 $ 3 $ 26 $ 31 $ 1,019 $ 1,050 $ 26 Business — — 7 7 338 345 4 Total commercial 3 3 33 38 1,357 1,395 30 Consumer: Residential real estate 11 5 56 72 1,186 1,257 56 Home equity 6 2 21 29 1,060 1,089 6 Total consumer 17 7 77 101 2,246 2,347 62 Total $ 21 $ 9 $ 109 $ 139 $ 3,603 $ 3,742 $ 91 (1) Includes credit card loans, loans that have matured and are in the process of collection, and acquired loans that were originally recorded at fair value upon acquisition. Acquired loans are considered to be accruing as we can reasonably estimate future cash flows on these acquired loans and we expect to fully collect the carrying value of these loans net of the allowance for acquired loan losses. Therefore, we are accreting the difference between the carrying value of these loans and their expected cash flows into interest income. Our internal loan risk assessment provides information about the financial health of our commercial borrowers and our risk of potential loss. The following table presents information about the credit quality of our commercial loan portfolio at December 31: Real estate Business Total Percent of total 2015 Originated loans: Pass $ 7,510 $ 5,488 $ 12,998 95.1 % Criticized: (1) Accrual 262 308 571 4.2 % Nonaccrual 44 56 101 0.7 % Total criticized 307 365 672 4.9 % Total $ 7,817 $ 5,853 $ 13,670 100.0 % Acquired loans: Pass $ 748 $ 133 $ 881 88.5 % Criticized: (1) Accrual 87 26 113 11.4 % Nonaccrual — 1 1 0.1 % Total criticized 87 27 114 11.5 % Total $ 835 $ 160 $ 996 100.0 % 2014 Originated loans: Pass $ 6,791 $ 5,067 $ 11,858 94.2 % Criticized: (1) Accrual 310 318 628 5.0 % Nonaccrual 53 45 98 0.8 % Total criticized 363 363 726 5.8 % Total $ 7,154 $ 5,430 $ 12,584 100.0 % Acquired loans: Pass $ 948 $ 294 $ 1,243 89.1 % Criticized: (1) Accrual 102 43 145 10.4 % Nonaccrual — 7 7 0.5 % Total criticized 102 51 153 10.9 % Total $ 1,050 $ 345 $ 1,395 100.0 % (1) Includes special mention, substandard, doubtful, and loss, which are consistent with regulatory definitions, and as described in Part I, Item 1, “Business,” under the heading “Asset Quality Review.” Borrower FICO scores provide information about the credit quality of our consumer loan portfolio as they provide an indication as to the likelihood that a debtor will repay their debts. The scores are obtained from a nationally recognized consumer rating agency and are presented in the table below at December 31: Residential real estate Home equity Indirect Auto Credit cards Other consumer Total Percent of total 2015 Originated loans by refreshed FICO score: Over 700 $ 2,084 $ 1,767 $ 1,700 $ 220 $ 161 $ 5,932 79.8 % 660-700 139 197 364 50 41 791 10.7 620-660 60 85 177 23 21 365 4.9 580-620 30 39 74 10 12 166 2.2 Less than 580 31 44 78 7 10 169 2.3 No score (1) 4 2 — 2 — 8 0.1 Total $ 2,349 $ 2,133 $ 2,393 $ 311 $ 245 $ 7,431 100.0 % Acquired loans by refreshed FICO score: Over 700 $ 682 $ 750 $ — $ — $ — $ 1,432 73.8 % 660-700 77 76 — — — 154 7.9 620-660 59 42 — — — 100 5.2 580-620 43 29 — — — 72 3.7 Less than 580 44 24 — — — 68 3.5 No score (1) 100 16 — — — 115 5.9 Total $ 1,005 $ 936 $ — $ — $ — $ 1,941 100.0 % 2014 Originated loans by refreshed FICO score: Over 700 $ 1,841 $ 1,529 $ 1,533 $ 226 $ 167 $ 5,296 78.9 % 660-700 124 182 347 53 46 752 11.2 620-660 62 71 159 24 24 339 5.0 580-620 28 31 64 11 13 148 2.2 Less than 580 32 32 63 8 12 146 2.2 No score (1) 9 1 — 3 17 31 0.5 Total $ 2,096 $ 1,847 $ 2,166 $ 324 $ 278 $ 6,711 100.0 % Acquired loans by refreshed FICO score: Over 700 $ 872 $ 851 $ — $ — $ — $ 1,723 73.4 % 660-700 87 93 — — — 180 7.7 620-660 61 52 — — — 113 4.8 580-620 49 40 — — — 88 3.8 Less than 580 57 34 — — — 91 3.9 No score (1) 131 20 — — — 151 6.4 Total $ 1,257 $ 1,089 $ — $ — $ — $ 2,347 100.0 % (1) Primarily includes loans that are serviced by others for which refreshed FICO scores were not available as of the date indicated. Troubled Debt Restructures The following table details additional information about our TDRs at December 31: 2015 2014 2013 Aggregate recorded investment of impaired loans with terms modified through a troubled debt restructuring: Accruing interest $ 63 $ 67 $ 52 Nonaccrual 52 53 56 Total troubled debt restructurings (1) $ 115 $ 120 $ 108 (1) Includes 102 and 87 acquired loans that were restructured with a recorded investment of $4 million at both December 31, 2015 and 2014 . The modifications made to loans classified as TDRs typically consist of an extension of the payment terms, providing for a period with interest-only payments with deferred principal payments, rate reduction, or loans restructured in a Chapter 7 bankruptcy. We generally do not forgive principal when restructuring loans. The financial effects of our modifications are as follows for the years ended December 31: Type of Concession Count Postmodification recorded investment (1) Premodification allowance for loan losses Postmodification allowance for loan losses 2015 Commercial: Commercial real estate Extension of term 6 $ 5 $ — $ — Deferral of principal 8 15 — — Deferral of principal and extension of term 1 — — — Extension of term and rate reduction 1 — — — Commercial business Deferral of principal 1 1 — — Rate reduction 2 — — — Deferral of principal and extension of term 2 — — — Other 1 — — — Total commercial 22 21 — — Consumer: Residential real estate Extension of term 14 2 — — Rate reduction 8 1 — — Extension of term and rate reduction 10 1 — — Chapter 7 Bankruptcy 15 1 — — Home equity Extension of term 3 — — — Extension of term and rate reduction 5 — — — Chapter 7 Bankruptcy 93 6 — — Other 2 — — — Indirect auto Chapter 7 Bankruptcy 273 4 — — Type of Concession Count Postmodification recorded investment (1) Premodification allowance for loan losses Postmodification allowance for loan losses Other consumer Extension of term and rate reduction 1 — — — Chapter 7 Bankruptcy 12 — — — Total consumer 436 16 — — Total 458 $ 37 $ — $ — 2014 Commercial: Commercial real estate Extension of term 10 $ 20 $ 1 $ — Rate reduction 1 3 — 1 Extension of term and rate reduction 3 1 — — Commercial business Extension of term 15 32 6 1 Extension of term and rate reduction 2 — — — Total commercial 31 56 8 2 Consumer: Residential real estate Extension of term 6 1 — — Rate reduction 2 — — — Deferral of principal and extension of term 7 1 — — Extension of term and rate reduction 14 2 — — Chapter 7 Bankruptcy 14 1 — — Other 3 — — — Home equity Extension of term 3 — — — Deferral of principal and extension of term 2 — — — Extension of term and rate reduction 10 — — — Chapter 7 Bankruptcy 79 3 — — Other 18 1 — — Indirect auto Chapter 7 Bankruptcy 273 5 — — Other consumer Extension of term 1 — — — Chapter 7 Bankruptcy 33 — — — Total consumer 465 14 — — Total 496 $ 70 $ 8 $ 2 (1) Postmodification balances approximate premodification balances. The aggregate amount of charge-offs as a result of the restructurings was $3 million for the year ended December 31, 2015 and was not significant for the year ended December 31, 2014 . The recorded investment in loans modified as TDRs within 12 months of the balance sheet date and for which there was a payment default was $4 million for 2015 and was not significant for 2014 . Residential Mortgage Banking The following table provides information about our residential mortgage banking activities at December 31: 2015 2014 2013 Loans classified as held for sale $ 46 $ 40 $ 50 Loans sold during the year 746 663 1,400 Gains on sale of loans, net 8 5 12 Mortgages serviced for others 4,023 3,841 3,665 Mortgage servicing asset recorded for loans serviced for others, net 38 37 35

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Premises and equipment	Premises and Equipment The following table presents the composition of our premises and equipment at December 31: 2015 2014 Land $ 26 $ 29 Buildings and leasehold improvements 241 290 Furniture and equipment 417 339 Total 683 658 Accumulated depreciation (274 ) (251 ) Premises and equipment, net $ 410 $ 407 Our rent expense, which is included in occupancy and equipment in our Consolidated Statements of Income, was $35 million , $32 million , and $33 million , for 2015 , 2014 , and 2013 , respectively.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets Disclosure [Text Block]	Goodwill and Other Intangible Assets Goodwill The following table shows information regarding our goodwill for the periods indicated: Banking Financial Consolidated Balances at January 1, 2014 $ 2,381 $ 68 $ 2,449 Acquisitions — 1 1 Impairment (1,100 ) — (1,100 ) Balances at December 31, 2014 1,281 69 1,350 Disposal — (2 ) (2 ) Balances at December 31, 2015 $ 1,281 $ 67 $ 1,348 We perform our annual impairment test of goodwill on November 1st of each year or more often if events or circumstances have changed significantly from the annual test date. After giving appropriate consideration to all available information, we determined that no impairment of goodwill had been incurred in 2015 . In 2014, we determined that the implied fair value of the Banking reporting unit was less than the carrying amount of the goodwill for the Banking reporting unit and therefore, recorded an impairment of our Banking reporting unit goodwill of $1.1 billion . When we performed our annual goodwill impairment assessment as of November 1, 2014, we concluded that there was no additional impairment. Other Intangible Assets The following table provides information regarding our amortizing intangible assets at December 31: 2015 2014 Core deposit intangible $ 191 $ 191 Accumulated amortization (170 ) (158 ) Net carrying amount 21 33 Customer lists 100 100 Accumulated amortization (73 ) (66 ) Net carrying amount 27 34 Total amortizing intangible assets, net $ 48 $ 67 The estimated future amortization expense for our amortizing intangible assets is as follows at December 31, 2015 : First quarter Second quarter Third quarter Fourth quarter Total 2016 $ 4 $ 3 $ 3 $ 3 $ 13 2017 3 3 3 3 12 2018 3 2 2 2 9 2019 2 1 1 1 5 2020 1 1 1 1 4 Thereafter 6

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	Deposits Our deposits consisted of the following at December 31: 2015 2014 Balance Weighted Balance Weighted Core deposits: Savings $ 3,390 0.09 % $ 3,452 0.09 % Interest-bearing checking 5,479 0.03 5,084 0.03 Money market deposits 10,654 0.29 9,962 0.22 Noninterest-bearing 5,835 — 5,407 — Total core deposits 25,357 0.14 23,906 0.11 Certificates 3,344 0.84 3,876 0.69 Total deposits $ 28,701 0.23 % $ 27,781 0.19 % Included in total deposits are municipal deposits totaling $3.4 billion and $3.3 billion at December 31, 2015 and 2014 , respectively. Additionally, Included in total deposits are brokered money market deposits of $420 million and $412 million at December 31, 2015 and 2014 , respectively, and brokered certificates of deposit of $941 million and $1.2 billion at December 31, 2015 and 2014 , respectively. Interest expense on our deposits is summarized as follows for the years ended December 31: 2015 2014 2013 Certificates $ 31 $ 27 $ 26 Money market deposits 30 22 21 Savings 3 3 4 Interest-bearing checking 2 2 2 Total interest expense $ 66 $ 53 $ 53 Interest rates on our certificates range from 0.05% to 4.50% at December 31, 2015 . Certificates of deposit that we issued in amounts over $100 thousand amounted to $812 million , $938 million , and $928 million at December 31, 2015 , 2014 , and 2013 , respectively. Interest expense on certificates of deposit over $100 thousand totaled $9 million , $10 million , and $11 million in 2015 , 2014 , and 2013 , respectively. Included in certificates of deposit issued in amounts over $100 thousand at December 31, 2015 , 2014 and 2013 are $941 million , $1.2 billion and $739 million , respectively, of brokered deposits.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Borrowings	Borrowings Our outstanding borrowings are summarized as follows at December 31: 2015 2014 Short-term borrowings: FHLB advances $ 3,950 $ 5,049 Repurchase agreements 399 423 Total short-term borrowings 4,349 5,472 Long-term borrowings: FHLB advances 1,575 — Senior notes (maturing in 2020) 298 298 Subordinated notes (maturing in 2021) 299 298 Junior subordinated debentures (maturing between 2030 and 2037) 115 114 Other (maturing between 2015 and 2032) 21 23 Total long-term borrowings 2,308 734 Total borrowings $ 6,657 $ 6,206 Our FHLB advances bear interest rates ranging from 0.48% to 1.13% and had a weighted average rate of 0.76% at December 31, 2015 and 0.48% at December 31, 2014 . Our repurchase agreements bear interest rates ranging from 0.02% to 0.15% and had a weighted average rate of 0.10% at December 31, 2015 and 0.14% at December 31, 2014 . Our senior notes and subordinated notes bear interest at annual rates of 6.75% and 7.25% , respectively. Our junior subordinated debentures bear interest rates ranging from 1.60% to 10.88% and have a weighted average interest rate of 2.83% at December 31, 2015 . Interest expense on our borrowings is summarized as follows for the years ended December 31: 2015 2014 2013 FHLB advances $ 27 $ 19 $ 14 Repurchase agreements 1 1 1 Senior notes 21 21 21 Subordinated notes 23 23 23 Junior subordinated debentures 5 5 5 Total interest expense $ 76 $ 69 $ 64 Our Bank has borrowing facilities with the FHLB, FRB, and commercial banks that serve as secondary funding sources for lending, liquidity, and asset and liability management. At December 31, 2015 and 2014 , the FHLB facility totaled $5.9 billion and $5.7 billion , respectively, of which $5.6 billion and $5.1 billion was utilized and secured by approximately $4.1 billion and $4.3 billion , respectively, of our commercial real estate, residential real estate, and multifamily loans. Investment securities used to secure the FHLB facility totaled $1.9 billion and $1.4 billion at December 31, 2015 and 2014 , respectively. As of December 31, 2015 and 2014 , our borrowing capacity totaled $908 million and $867 million , respectively with the FRB, and $250 million at December 31, 2015 and 2014 with commercial banks, neither of which was utilized at December 31, 2015 and 2014 . Our lines of credit with commercial banks include a committed line of credit agreement, which contains a negative pledge against our First Niagara Bank, N.A. stock and the maintenance of certain standard financial covenants. The interest rate on outstanding borrowings under this line of credit is, at our election, equal to London Interbank Offered Rate (“LIBOR”) plus 185 basis points , resetting every 30 or 90 days. Interest on the other lines of credit with commercial banks is payable at the overnight federal funds rate. At times we may enter into repurchase agreements with various broker-dealers, whereby certain of our securities available for sale and certain of our securities held to maturity were pledged to collateralize the borrowings. We treat these repurchase agreements as financing transactions and our obligation to repurchase is reflected as a borrowing in our Consolidated Statements of Condition. The dollar amount of our securities underlying the agreements is included in our securities available for sale and securities held to maturity in our Consolidated Statements of Condition. These securities however, are delivered to the dealer with whom we execute each transaction. The dealers may sell, loan or otherwise dispose of these securities to other parties in the normal course of their business, but they agree to resell to us the same securities at the maturity of the agreements. We also retain the right of substitution of collateral throughout the terms of the agreements. During 2015 and 2014 , we did not enter into any repurchase agreements with broker-dealers and therefore, none of our investment securities were pledged to collateralize these borrowings. Our junior subordinated debentures include amounts related to our First Niagara Financial Group Statutory Trust I as well as junior subordinated debentures associated with six statutory trust affiliates that were acquired from our merger with Harleysville and three statutory trusts acquired from NewAlliance (the “Trusts”). The Trusts qualify as variable interest entities and were formed to issue mandatorily redeemable trust preferred securities to investors and loan the proceeds to us for general corporate purposes. We own all of the common securities of the Trusts and have accordingly recorded $4 million in equity method investments classified as other assets in our Consolidated Statement of Condition at December 31, 2015 . As the shareholders of the trust preferred securities are the primary beneficiaries of these trusts, the Trusts are not consolidated in our financial statements. Our junior subordinated debentures are redeemable prior to the maturity date at our option upon each trust’s stated option repurchase dates, and from time to time thereafter. These debentures are also redeemable in whole at any time upon the occurrence of specific events defined within the trust indenture. Our obligations under the debentures and related documents, taken together, constitute a full and unconditional guarantee by the Company of the issuers’ obligations under the trust preferred securities. The Trusts hold, as their sole assets, junior subordinated debentures of the Company with face amounts totaling $142 million at December 31, 2015 . The following table summarizes our junior subordinated debentures at December 31, 2015 : Trust Preferred Subordinated Debentures Maturity Interest rate Principal amount of subordinated debentures Principal amount of trust preferred securities (dollars in millions) HNC Statutory Trust III 2035 3 month LIBOR + 1.40% $ 26 $ 25 Willow Grove Statutory Trust I 2036 3 month LIBOR + 1.31% 26 25 HNC Statutory Trust IV 2037 3 month LIBOR + 1.28% 23 23 HNC Statutory Trust II 2034 3 month LIBOR + 2.70% 21 20 First Niagara Financial Group Statutory Trust I 2034 3 month LIBOR + 2.70% 12 12 Westbank Capital Trust II 2034 3 month LIBOR + 2.19% 9 9 Westbank Capital Trust III 2034 3 month LIBOR + 2.19% 9 9 East Penn Statutory Trust I 2033 3 month LIBOR + 3.10% 8 8 Harleysville Statutory Trust I 2031 10.20% 5 5 Alliance Capital Trust II 2030 10.88% 4 4 Total $ 142 $ 138 The carrying value of the trust preferred junior subordinated debentures, net of the unamortized purchase accounting fair value adjustment of approximately $28 million , is $115 million . The aggregate maturities of our long-term borrowings are as follows at December 31, 2015 (by year of maturity): 2016 $ 1,277 2017 302 2018 2 2019 2 2020 2 Thereafter 723 Total $ 2,308

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments We are a party to derivative financial instruments in the normal course of business to manage our own exposure to fluctuations in interest rates and to meet the needs of our customers. These financial instruments have been limited to interest rate swap agreements, which are entered into with counterparties that meet established credit standards and, where appropriate, contain master netting and collateral provisions protecting the party at risk. We believe that the credit risk inherent in all of our derivative contracts is minimal based on our credit standards and the netting and collateral provisions of the interest rate swap agreements. Our derivative positions include both instruments that are designated as hedging instruments and instruments that are customer related and not designated in hedging relationships. The following table presents information regarding our derivative financial instruments, at December 31: Asset derivatives Liability derivatives Notional amount Fair value (1) Notional amount Fair value (2) 2015 Derivatives designated as hedging instruments: Interest rate swap agreements $ 2 $ — $ 263 $ 4 Derivatives not designated as hedging instruments: Interest rate swap agreements 4,221 123 4,224 124 Total derivatives $ 4,224 $ 123 $ 4,487 $ 128 2014 Derivatives designated as hedging instruments: Interest rate swap agreements $ 4 $ — $ 30 $ 2 Derivatives not designated as hedging instruments: Interest rate swap agreements 3,629 96 3,649 96 Total derivatives $ 3,633 $ 96 $ 3,679 $ 97 (1) Represents gross amounts, included in Other Assets in our Consolidated Statements of Condition. (2) Represents gross amounts, included in Other Liabilities in our Consolidated Statements of Condition. At December 31, 2015 , all of our interest rate swaps for which we had master netting arrangements with the counterparty were in a net liability position. Accordingly, there was no offsetting in our Consolidated Statement of Financial Condition at December 31, 2015 . Interest rate swaps for which we had master netting arrangements with the counterparty at December 31, 2014 were in a net liability position of $93 million . We offset $96 million of liabilities with $3 million of assets in our Consolidated Statements of Financial Condition at December 31, 2014 related to these interest rate swaps and we did not include any cash collateral in the netting. We posted collateral for liability positions with a fair value of $195 million and $130 million at December 31, 2015 and 2014 , respectively. Derivatives designated in hedging relationships We designate interest rate swap agreements used to manage changes in the fair value of loans due to interest rate changes as fair value hedges. We have designated the risk of changes in the fair value of loans attributable to changes in the benchmark rate as the hedged risk. Accordingly, changes to the fair value of the hedged items attributable to a change in credit risk are excluded from our assessment of hedge effectiveness. The change in fair value of the derivatives, including both the effective and ineffective portions, is recognized in earnings and, so long as our fair value hedging relationships remain highly effective, such change is offset by the gain or loss due to the change in fair value of the loans attributable to the hedged risk. The net impact of the fair value hedging relationships on net income was not significant during 2015 and 2014 . We have entered into forward starting interest rate swaps to reduce our exposure to variability in interest-related cash outflows attributable to changes in forecasted LIBOR based borrowings. These derivative instruments are designated as cash flow hedges. We have designated the risk of changes in the amount of interest payment cash flows to be made during the term of the borrowings attributable to changes in the benchmark rate as the hedged risk. Accordingly, changes to the amount of interest payment cash flows for the hedged transactions attributable to a change in credit risk are excluded from our assessment of hedge effectiveness. Our interest rate swaps designated as cash flow hedges have maturities that correspond to the maturity of the forecasted hedged borrowing. Any gain or loss associated with the effective portion of our cash flow hedges is recognized in other comprehensive income and is subsequently reclassified into earnings in the period during which the hedged forecasted transactions affects earnings. Any gain or loss associated with the ineffective portion of our cash flow hedges, including ineffectiveness, is recognized immediately in earnings. At December 31, 2015 , there was a $1 million loss recognized in accumulated other comprehensive income related to these swaps. At December 31, 2015 , there was a $4 million loss recognized in accumulated other comprehensive income related to borrowings that were previously hedged using interest rate swaps that were classified as cash flow hedges. This amount will be reclassified out of accumulated other comprehensive income and into earnings over the remaining life of the hedged borrowings as an adjustment of yield. The following table presents information about amounts recognized for our derivative financial instruments designated in cash flow hedging relationships for the years ended December 31: Cash Flow Hedges 2015 2014 2013 Interest rate swap agreements: Amount of (loss) gain on derivatives recognized in other comprehensive income, net of tax $ (1 ) $ 1 $ 1 Amount of (loss) on derivatives reclassified from other comprehensive income to income (1) (1 ) (1 ) (1 ) (1) Recognized in interest expense on borrowings in our Consolidated Statements of Income. Derivatives not designated in hedging relationships In addition to our derivatives designated in hedge relationships, we act as an interest rate swap counterparty for certain commercial borrowers in the normal course of servicing our customers, which are accounted for at fair value. We manage our exposure to such interest rate swaps by entering into corresponding and offsetting interest rate swaps with third parties that mirror the terms of the interest rate swaps we have with the commercial borrowers. These positions (referred to as “customer swaps”) directly offset each other and our exposure is the positive fair value of the derivatives due to changes in credit risk of our commercial borrowers and third parties. We recognized revenue for this service that we provide our customers of $14 million and $13 million for the years ended December 31, 2015 and 2014 , respectively, included in Capital Markets income in our Consolidated Statements of Income.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	Commitments and Contingent Liabilities Loan Commitments In the ordinary course of business, we extend commitments to originate commercial and residential mortgages, commercial loans, and consumer loans. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established under the contract. Our commitments generally have fixed expiration dates or other termination clauses, and may require our customer to pay us a fee. Since we do not expect all of our commitments to be funded, the total commitment amounts do not necessarily represent our future cash requirements. We evaluate each customer’s creditworthiness on a case-by-case basis. We may obtain collateral based upon our assessment of the customer’s creditworthiness. We may write a commitment on a fixed rate basis exposing us to interest rate risk given the possibility that market rates may change between the commitment date and the actual extension of credit. We also extend credit to our retail and commercial customers, up to a specified amount, through lines of credit. The borrowers are able to draw on these lines as needed, making our funding requirements for these products generally more difficult to predict. In addition to the commitments discussed above, we issue standby letters of credit to third parties that guarantee payments on behalf of our commercial customers in the event our customer fails to perform under the terms of the contract between our customer and the third party. Since the majority of our unused commercial lines of credit and our outstanding standby letters of credit expire without being funded, our actual funding requirements may be substantially less than the amounts that we report. We anticipate that we will have sufficient funds available to meet our current loan commitments and other obligations through our normal business operations. The credit risk involved in our issuance of these commitments is essentially the same as that involved in extending loans to customers and is limited to the contractual notional amount of these instruments. We had a liability for unfunded commitments of $16 million as of December 31, 2015 and 2014 . For 2015 , our provision for loan losses related to our unfunded commitments was not material. For 2014 , we recognized provision for credit losses related to our unfunded commitments of $3 million . Information pertaining to our loan commitments is as follows at December 31: 2015 2014 Outstanding commitments to originate loans: Fixed rate $ 252 $ 265 Variable rate 1,579 1,522 Total commitments outstanding $ 1,832 $ 1,787 Unused lines of credit $ 9,891 $ 9,319 Standby letters of credit 252 266 Commitments to sell residential mortgages 130 137 Given the current interest rate environment and current customer preference for long-term fixed rate mortgages, coupled with our desire to not hold these assets in our portfolio, we generally sell newly originated fixed rate conventional, 20 to 30 year and most FHA and VA loans in the secondary market to government sponsored enterprises such as FNMA and FHLMC or to wholesale lenders. We generally retain the servicing rights on residential mortgage loans sold which results in the recognition of a mortgage service asset upon sale and monthly service fee income, thereafter, net of servicing asset amortization. Lease Obligations Our future minimum rental commitments for premises and equipment under non-cancelable operating leases and capital lease obligations are as follows at December 31: Operating leases Capital leases 2016 $ 35 $ 3 2017 31 3 2018 28 3 2019 26 3 2020 22 3 Thereafter 71 (1) 13 (2) (1) Thereafter through 2041. (2) Thereafter through 2032. Contingent Liabilities In the ordinary course of our business there are various threatened and pending legal proceedings against us. Based on our review and consultation with our outside legal counsel, we believe that the aggregate liability, if any, arising from such litigation would not have a material adverse effect on our Consolidated Financial Statements at December 31, 2015 . Since the announcement of the Merger, eight shareholders of the Company have filed separate putative class action complaints challenging the Merger. Six complaints are filed in New York State Supreme Court, Erie County. One complaint is filed in the Court of Chancery, Delaware, and one is filed in United States District Court, District of Delaware. The complaints are brought against the Company, each of its directors individually, and KeyCorp. The complaints allege generally that each of the directors breached his or her fiduciary duty to the Company's public shareholders in that: (a) the sales process was flawed; (b) the merger consideration is inadequate and undervalues the intrinsic value of the Company; (c) the merger agreement contains unfair preclusive deal protection devices; and (d) certain directors and officers of the Company will receive personal benefits from the merger not shared in by other public shareholders. Seven of the complaints further allege that KeyCorp and the Company aided and abetted the Company's directors’ fiduciary duty breaches. Some of the complaints also challenge KeyCorp’s anticipated contribution to the First Niagara Foundation or that the Company's Registration Statement filed on November 30, 2015 in connection with the proposed merger is materially misleading. The complaint filed in U.S. District Court, District of Delaware also alleges that the preliminary proxy filed in connection with the November 30, 2015 Registration Statement violated Sections 14(a) and 20(a) of the Securities Exchange Act of 1934 and the rules promulgated thereunder. All of the lawsuits seek, among other things, to enjoin or rescind the Merger, and to obtain an award of costs and attorneys’ fees and damages for the alleged fiduciary breaches. Plaintiffs in all six of the matters pending in Erie County, New York entered into and filed a joint stipulation seeking consolidation of the actions, and appointment of designated co-lead plaintiffs and co-lead counsel for the actions. The stipulation is pending before the court. The defendants believe these lawsuits are entirely without merit, and intended to vigorously defend against the claims.

Capital

Capital	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Capital	Capital First Niagara Financial Group, Inc. and our bank subsidiary, First Niagara Bank, N.A. are subject to regulatory capital requirements administered by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) and the Office of the Comptroller of Currency (the “OCC”), respectively. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Such quantitative measures are also subject to qualitative judgment of the regulators regarding components, risk weightings, and other factors. The actual capital amounts, ratios, and requirements for First Niagara Financial Group, Inc. and First Niagara Bank, N.A. are as follows at December 31. Basel III Transitional rules became effective for us on January 1, 2015. Ratios and amounts presented as of December 31, 2014 are calculated under Basel I rules. As of December 31, 2015 , the ratios presented are calculated under the Basel III Standardized Transitional Approach. Common equity tier 1 capital under Basel III replaced Tier 1 common capital under Basel I. For capital adequacy Minimum amount to be Actual purposes well-capitalized Amount Ratio Amount Ratio Amount Ratio First Niagara Financial Group, Inc.: 2015 Leverage ratio $ 2,911 7.62 % $ 1,528 4.00 % $ 1,910 5.00 % Tier 1 risk-based capital 2,911 10.08 1,733 6.00 2,311 8.00 Total risk-based capital 3,468 12.01 2,310 8.00 2,888 10.00 Common equity tier 1 capital 2,470 8.55 1,300 4.50 1,878 6.50 2014 Leverage ratio $ 2,764 7.50 % $ 1,474 4.00 % $ 1,843 5.00 % Tier 1 risk-based capital 2,764 9.81 1,127 4.00 1,691 6.00 Total risk-based capital 3,313 11.75 2,256 8.00 2,819 10.00 Tier 1 common capital 2,312 8.20 N/A N/A N/A N/A First Niagara Bank, N.A.: 2015 Leverage ratio $ 3,070 8.05 % $ 1,525 4.00 % $ 1,907 5.00 % Tier 1 risk-based capital 3,070 10.65 1,729 6.00 2,306 8.00 Total risk-based capital 3,328 11.55 2,305 8.00 2,881 10.00 Common equity tier 1 capital 3,070 10.65 1,297 4.50 1,874 6.50 2014 Leverage ratio $ 2,949 8.01 % $ 1,473 4.00 % $ 1,841 5.00 % Tier 1 risk-based capital 2,949 10.48 1,126 4.00 1,688 6.00 Total risk-based capital 3,199 11.37 2,251 8.00 2,814 10.00 As of December 31, 2015 , we met all capital adequacy requirements to which we were subject and both First Niagara Financial Group, Inc. and First Niagara Bank, N.A. were considered well-capitalized under the Federal Reserve’s Regulation Y (in the case of First Niagara Financial Group, Inc.) and the OCC’s prompt corrective action regulations (in the case of First Niagara Bank, N.A.). We are unaware of any conditions or events since the latest notification from federal regulators that have changed our capital adequacy categories. The Company had less than $15 billion in assets as of December 31, 2009. Accordingly, and based on Federal Reserve Board interpretations of our acquisitions, the trust preferred securities classified as long-term debt on our balance sheet, in the amount of $115 million at December 31, 2015 , will be included as Tier 1 capital while they are outstanding, unless we complete an acquisition of a depository institution holding company after January 1, 2014, at which time they would be subject to the stated phase-out requirements of the New Capital Rules, as described in this report in Part I, Item 1, "Business, Supervision and Regulation," and would be included as Tier 2 capital. The amount of our subordinated debt issued by the Company will begin to lose eligibility for inclusion in Tier 2 capital at the beginning of each of the last five years of the life of the instrument. Our subordinated debt will mature in December 2021 and accordingly, the amount of subordinated debt eligible for inclusion in Tier 2 capital will be reduced by 20 percent beginning in December 2016 and will continue to be reduced by 20 percent in each subsequent year. Our ability to pay dividends to our stockholders is substantially dependent upon the Bank’s ability to pay dividends to the Company. Subject to the Bank meeting or exceeding regulatory capital requirements, the prior approval of the OCC is required if the total of all dividends declared by the Bank in any calendar year would exceed the sum of the Bank’s net profits for that year and its retained net profits for the preceding two calendar years, less any required transfers to surplus. In addition, Federal Reserve guidance sets forth the supervisory expectation that bank holding companies will inform and consult with Federal Reserve staff in advance of issuing a dividend that exceeds earnings for the quarter and should not pay dividends in a rolling four quarter period in an amount that exceeds net income for that period. Federal law also prohibits the Bank from paying dividends that would be greater than its undivided profits after deducting statutory bad debt in excess of its allowance for loan losses. While the size of our 2014 $1.1 billion goodwill impairment charge did not adversely impact our capital ratios, it did impact our regulatory dividend capacity formula. Even though the non-cash goodwill charge did not impact cash flow for dividends, the size of the charge does require that we get regulatory approval from the OCC to make distributions or other returns of capital from the Bank to the Company in the future. Following the goodwill impairment charge, we were also required to consult with the Federal Reserve before paying the Company dividend to our common and preferred stockholders through the payment of dividends for the second quarter of 2015. Based on current estimates, we expect to need quarterly approval from the OCC until the first quarter of 2017 based on their calculation formula. While we cannot be assured that the OCC will approve our quarterly dividend requests going forward, based on conversations with the regulators and barring any unforeseen future developments that would materially impact our profitability, we believe that we can maintain our holding company common and preferred dividend payments at their current levels. The Bank paid $100 million and $80 million in dividends to the Company in 2015 and 2014 , respectively. Additionally, the Bank made a $90 million and $85 million capital distribution to the Company during 2015 and 2014 , respectively. Common Stock Repurchases We did not repurchase shares of our common stock during 2015 under stock repurchase plans approved by our Board of Directors. As of December 31, 2015 , we are authorized to repurchase up to 12 million shares of our common stock. Preferred Stock Our preferred stock pays dividends quarterly when, as and if declared by our board of directors, at a rate of 8.625% per year until February 15, 2017, whereby the dividends are then paid at a floating rate equal to three month LIBOR plus 7.327% per year. Additionally, the preferred stock has no maturity date. We may redeem the preferred stock, in whole or in part, from time to time, on any dividend payment date on or after February 15, 2017, at a redemption price of $25 per share, plus any declared and unpaid dividends.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The components of our income tax expense (benefit) are as follows for the years ended December 31: 2015 2014 2013 Current: Federal $ 69 $ 36 $ 119 State 3 4 4 72 41 123 Deferred taxes: Federal 5 (136 ) 3 State 1 (14 ) 1 6 (150 ) 5 Total income tax expense (benefit) $ 79 $ (109 ) $ 128 Our effective tax rates for 2015 and 2013 were 26.0% and 30.2% , respectively. Our effective tax rate benefit for 2014 was 13.3% . Our income tax expense (benefit) differs from our expected tax expense (benefit) (computed by applying the Federal corporate tax rate of 35% to income before income taxes) as follows for the years ended December 31: 2015 2014 2013 Tax expense (benefit) at statutory rate $ 106 $ (289 ) $ 148 Increase (decrease) attributable to: State income taxes, net of Federal benefit 3 (11 ) 4 Bank owned life insurance income (5 ) (5 ) (6 ) Tax exempt interest (13 ) (13 ) (11 ) Tax credits (11 ) (29 ) (13 ) Goodwill impairment — 259 — Subsidiary reorganization — (27 ) — Capital loss utilization (12 ) — — Other 10 5 6 Income tax expense (benefit) $ 79 $ (109 ) $ 128 The tax effects of our temporary differences that give rise to significant portions of our deferred tax assets and deferred tax liabilities are as follows at December 31: 2015 2014 Deferred tax assets: Net operating loss and other carryforwards $ 49 $ 56 Capital loss carryforward 33 44 Financial statement allowance for credit losses 108 112 Partnerships 15 9 Employee benefits 30 33 Other accrued expenses not currently deductible 23 20 Acquired intangibles 71 88 Nonperforming loan interest 15 14 Other 42 37 Total gross deferred tax assets 386 413 Valuation allowance (33 ) (44 ) Deferred tax liabilities: Unrealized gain on investment securities available for sale — (40 ) Leases (31 ) (32 ) Pension benefits (27 ) (22 ) Other (15 ) (20 ) Total gross deferred tax liabilities (73 ) (114 ) Net deferred tax asset $ 280 $ 255 In assessing the realizability of our deferred tax assets, we consider whether it is more likely than not that we will not realize some portion or all of our deferred tax assets. Our ultimate realization of our deferred tax assets is dependent upon our generation of future taxable income during the periods in which those temporary differences become deductible. We consider the scheduled reversal of our deferred tax liabilities, availability of operating loss carrybacks, our projected future taxable income, and our tax planning strategies in making this assessment. Based upon the level of our available historical taxable income, the opportunity for our net operating loss carrybacks, and projections for our future taxable income over the periods which our deferred tax assets are realizable, we believe it is more likely than not that we will realize the benefits of these deductible differences at December 31, 2015 , except for the deferred taxes for which a valuation allowance has been established. We had a valuation allowance of $33 million and $44 million , at December 31, 2015 and 2014 , respectively. We may carry net operating losses back to the preceding two taxable years for Federal income tax purposes and forward to the succeeding 20 taxable years for Federal income tax purposes, subject to certain limitations. At December 31, 2015 , we had net operating loss carryforwards of $102 million for Federal income tax purposes, which will begin to expire in 2020 . These losses, subject to an annual limitation, were obtained through our acquisitions of Great Lakes Bancorp, Inc. and Harleysville. The New York net operating loss carryforwards were converted to post apportioned net operating loss carryforwards due to the New York law change in 2014. The New York apportioned net operating loss carryforwards were $29 million at December 31, 2015 and are expected to expire by 2034 . As of December 31, 2015 , there is no valuation allowance for net operating loss carryover that is not expected to be utilized by the end of the carryover period. We generated approximately $14 million in Federal and State tax credits in 2015 associated with investment tax credits. We have Federal alternative minimum tax credits of approximately $7 million that have an unlimited carryforward period. At December 31, 2015 , our Bank’s Federal pre-1988 reserve, for which no Federal income tax provision has been made, was approximately $92 million . Under current Federal law, these reserves are subject to recapture into taxable income should our Bank make nondividend distributions, make distributions in excess of earnings and profits retained, as defined, or cease to maintain a banking type charter. A deferred tax liability is not recognized for the base year amount unless it becomes apparent that those temporary differences will reverse into taxable income in the foreseeable future. No deferred tax liability has been established as these two events are not expected to occur in the foreseeable future. A reconciliation of our unrecognized tax benefits is as follows for the years ended December 31: 2015 2014 2013 Balance at beginning of year $ 9 $ 6 $ 3 Additions based on tax positions related to the current year 1 2 1 Additions for tax positions of prior years 1 1 3 Reductions related to settlements with taxing authorities — — (1 ) Balance at end of year $ 10 $ 9 $ 6 The entire balance of unrecognized tax benefits, if recognized, would favorably affect our effective income tax rate. We recognize penalties and accrued interest related to unrecognized tax benefits in tax expense. Accrued penalties and interest amounted to $1 million and $0.9 million at December 31, 2015 and 2014 , respectively. The change in accrued penalties and interest for the current year impacted Consolidated Statements of Income as a component of provision for income taxes. We anticipate that approximately $5 million in unrecognized tax benefits, including interest, will reverse in 2016 . As a large taxpayer, we are under continuous audit by the IRS and other taxing authorities. Although we do not anticipate that a significant impact to our unrecognized tax benefit balance will occur during the next 12 months as a result of these audits, it remains possible that the amount of our liability for unrecognized tax benefits could change over that time period. We are no longer subject to Federal income tax examinations by the Internal Revenue Service for years before 2012 and to State income tax examinations by such authorities for years before 2011 . There are no indications of any material adjustments relating to any examination currently being conducted by any taxing authority.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table is a computation of our basic and diluted earnings per share using the two-class method for the years ended December 31: 2015 2014 2013 Net income (loss) available to common stockholders $ 193 $ (745 ) $ 265 Less income allocable to unvested restricted stock awards 2 1 1 Net income (loss) allocable to common stockholders $ 192 $ (746 ) $ 264 Weighted average common shares outstanding: Total shares issued 366 366 366 Unallocated employee stock ownership plan shares — (2 ) (2 ) Unvested restricted stock awards (3 ) (3 ) (2 ) Treasury shares (12 ) (11 ) (12 ) Total basic weighted average common shares outstanding 351 350 350 Effect of dilutive stock-based awards 2 — 1 Total diluted weighted average common shares outstanding 353 350 350 Basic earnings (loss) per common share $ 0.55 $ (2.13 ) $ 0.75 Diluted earnings (loss) per common share $ 0.54 $ (2.13 ) $ 0.75 Anti-dilutive stock-based awards excluded from the diluted weighted average common share calculations 7 11 11

Other Comprehensive Income

Other Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Other Comprehensive Income	Other Comprehensive Income The following table presents the activity in our other comprehensive income for the years ended December 31: Pretax Income taxes Net 2015 Securities available for sale: Net unrealized holding losses arising during the year $ (99 ) $ (37 ) $ (62 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Amortization of net unrealized holding gains to income during the year (10 ) (4 ) (6 ) (1) Interest rate swaps designated as cash flow hedges: Net unrealized losses arising during the year (2 ) (1 ) (1 ) Reclassification adjustment for realized losses included in net income 1 — 1 (2) Net unrealized losses on interest rate swaps designated as cash flow hedges (1 ) — (1 ) Pension and post-retirement actuarial gains 16 4 12 Total other comprehensive loss $ (93 ) $ (37 ) $ (56 ) 2014 Securities available for sale: Net unrealized holding losses arising during the year $ (19 ) $ (7 ) $ (12 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Amortization of net unrealized holding gains to income during the year (13 ) (5 ) (8 ) (1) Interest rate swaps designated as cash flow hedges: Reclassification adjustment for realized losses included in net income 1 1 1 (2) Pension and post-retirement actuarial losses (51 ) (16 ) (34 ) Total other comprehensive loss $ (81 ) $ (27 ) $ (53 ) 2013 Securities available for sale: Net unrealized holding losses arising during the year $ (177 ) $ (68 ) $ (109 ) Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity (55 ) (21 ) (34 ) Net unrealized losses on securities available for sale (232 ) (89 ) (143 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Net unrealized holding gains transferred during the year 55 21 34 Amortization of net unrealized holding gains to income during the year (20 ) (7 ) (12 ) (1) Net unrealized holding gains on securities transferred during the year 35 14 22 Interest rate swaps designated as cash flow hedges: Reclassification adjustment for realized losses included in net income 1 1 1 (2) Pension and post-retirement actuarial gains 40 15 25 Total other comprehensive loss $ (154 ) $ (59 ) $ (95 ) (1) Included in Interest income on investment securities and other in our Consolidated Statements of Operations. (2) Included in Interest expense on borrowings in our Consolidated Statements of Operations. The following table presents the activity in our accumulated other comprehensive income for the periods indicated: Net unrealized gains (losses) on securities available for sale Net unrealized (losses) gains on Unrealized loss on Pension and postretirement plans Total Balance, January 1, 2013 $ 207 $ (2 ) $ (6 ) $ (41 ) $ 157 Period change, net of tax (143 ) 22 1 25 (95 ) Balance, December 31, 2013 64 20 (6 ) (16 ) 62 Period change, net of tax (12 ) (8 ) 1 (34 ) (53 ) Balance, December 31, 2014 52 12 (5 ) (51 ) 9 Period change, net of tax (62 ) (6 ) (1 ) 12 (56 ) Balance, December 31, 2015 $ (10 ) $ 6 $ (6 ) $ (39 ) $ (48 ) During the next twelve months, we expect to reclassify $1 million of pre-tax net loss on previous cash flow hedges from accumulated other comprehensive income to earnings.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation	Stock-Based Compensation We offer several stock-based incentive awards under one equity based incentive plan, the First Niagara Financial Group, Inc. 2012 Equity Incentive Plan (the "2012 Plan"), which expires in 2022 and authorizes us to issue up to 17 million shares of common stock for grants of stock options, stock appreciation rights, accelerated ownership option rights, restricted stock awards or restricted stock units, or performance unit awards. At December 31, 2015 , we had approximately 10 million shares available for grant under the 2012 plan. Stock-based compensation expense for 2015 , 2014 , and 2013 totaled $13 million , $11 million , and $10 million , respectively, which is included in salaries and benefits in our Consolidated Statements of Income. Stock Options We granted stock options under the 2012 Plan in 2014 and 2013. We granted stock options with an exercise price equal to the market price of our stock on the date of grant. All options have a ten year term and become fully vested and exercisable over a period of three years from the grant date. When option recipients exercise their options, we issue shares from treasury stock and record the proceeds as additions to capital. Restricted Stock Awards and Units During 2015 , we granted time-based restricted stock units to key employees and restricted stock awards and restricted stock units to non-employee directors. Restricted stock grants to non-employee directors vest over one year while grants to key employees generally vest over three years from the grant date. When restricted stock grants are forfeited before they vest, we reacquire the shares into treasury stock, and hold them to use for new awards. During 2015 , we granted approximately 563 thousand performance-based restricted stock units to key employees under the 2012 Plan. Performance-based restricted stock units vest at the conclusion of a three year performance period and distribute based on our total shareholder return performance relative to an industry index. At December 31, 2015 , we held approximately 11 million shares of our stock as treasury shares, which is adequate to meet the share requirements of our current stock-based compensation plans. During 2015 , we issued 1 million shares from treasury stock in connection with grants of restricted stock. Stock Options The following is a summary of our stock option activity for the year ended December 31, 2015 : Number of Weighted average Weighted average remaining Aggregate intrinsic value (1) Outstanding at January 1, 2015 10,879 $ 12.90 Exercised (322 ) 9.33 Expired (7,141 ) 13.20 Outstanding at December 31, 2015 3,416 $ 12.61 3.6 years $ 1 Exercisable at December 31, 2015 2,998 $ 13.09 3.0 years $ 1 (1) Intrinsic value is the difference between the fair value of our stock at December 31, 2015 and the exercise price of the stock award. The following is a summary of our nonvested stock option activity for the year ended December 31, 2015 : Number of shares (in thousands) Weighted average exercise price Weighted average grant date fair value Nonvested at January 1, 2015 748 $ 9.21 $ 2.54 Vested (330 ) 9.26 2.55 Nonvested at December 31, 2015 418 $ 9.17 $ 2.54 The following is a summary of our stock options outstanding at December 31: Exercise price Options outstanding (in thousands) Weighted average exercise price Weighted average remaining life (years) Options exercisable (in thousands) Weighted average exercise price 2015 $8.86 – $10.00 893 $ 9.38 6.4 475 $ 9.57 $10.01 – $13.50 1,450 11.67 3.2 1,450 11.67 $13.51 – $15.50 945 14.30 2.1 945 14.30 $15.51 – $51.78 128 33.32 0.2 128 33.32 Total 3,416 12.61 3.6 2,998 13.09 2014 $8.86 – $12.00 2,135 $ 10.12 6.3 1,388 $ 10.61 $12.01 – $13.50 7,628 13.05 0.6 7,628 13.05 $13.51 – $15.50 965 14.31 3.0 965 14.31 $15.51 – $51.78 151 35.38 1.0 151 35.38 Total 10,879 12.90 2.0 10,132 13.17 2013 $8.86 – $12.00 1,835 $ 10.25 6.8 1,225 $ 10.80 $12.01 – $15.00 9,099 13.20 1.9 9,056 13.19 $15.01 – $18.00 42 15.25 0.5 42 15.25 $18.01 – $57.75 210 40.07 1.5 210 40.07 Total 11,186 13.23 2.7 10,533 13.46 The total intrinsic value of stock options exercised during 2015 was $0.4 million . No stock options were exercised in 2014 . As of December 31, 2015 , we have $0.2 million of unrecognized compensation cost related to unvested options that we have granted. We expect this cost to be recognized over a weighted average period of 1.1 years. We use the Black-Scholes valuation method to estimate the fair value of our stock option awards. This method is dependent upon certain assumptions. The following is a summary of our stock options granted for the years ended December 31, as well as the weighted average assumptions that we utilized to compute the fair value of the options: 2015 2014 2013 Options granted (in thousands) — 505 434 Grant date weighted average fair value per stock option N/A $ 2.59 $ 2.36 Grant date weighted average share price N/A $ 9.27 $ 8.86 Dividend yield N/A 3.45 % 3.61 % Risk-free interest rate N/A 2.05 % 0.99 % Expected volatility factor N/A 38.59 % 40.70 % Expected life (in years) N/A 6.6 5.7 In the table above, the risk-free interest rate is the zero coupon U.S. Treasury rate commensurate with the expected life of options on the date of their grant. We based the volatility of our stock on historical volatility over a span of time equal to the expected life of the options. Time-Vested Restricted Stock Awards and Restricted Stock Units We expense the grant date fair value of our restricted stock awards and restricted stock units over their respective vesting periods. At December 31, 2015 , we had $17 million of unrecognized compensation cost related to unvested restricted stock awards and units and we expect this cost to be recognized over a weighted average period of 1.7 years. The following is a summary of our restricted stock and restricted stock unit activity for 2015 : Number of Weighted average grant date fair value Unvested at January 1, 2015 2,701 $ 9.14 Awarded 1,890 9.08 Vested (926 ) 9.03 Forfeited (254 ) 9.06 Unvested at December 31, 2015 3,411 $ 9.11 The fair value of restricted stock awards and restricted stock units that vested during 2015 , 2014 , and 2013 was $9 million , $6 million , and $5 million , respectively. Restricted stock units granted to certain members of our Board of Directors vested on December 31, 2015 and 2014 but are not released until the board member retires. Dividend equivalent units earned during 2015 and 2014 on these restricted stock units totaled 3,872 and 5,295 , respectively.

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Information regarding our pension plans	Note 16. Benefit Plans We account for our pension and postretirement plans by recognizing in our financial statements an asset for a plan’s overfunded status or a liability for a plan’s underfunded status. We report changes in the funded status of our pension and postretirement plan as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur. Pension Plans We maintain a legacy employer sponsored defined benefit pension plan (the “First Niagara Plan”) for which participation and benefit accruals have been frozen since 2002. Additionally, any pension plans acquired in connection with previous whole-bank acquisitions, and subsequently merged into the First Niagara Plan, were frozen prior to or shortly after completion of the transactions. Upon our merger with NewAlliance, we acquired the Employees’ Retirement Plan of NewAlliance Bank (the “NewAlliance Plan”), an employer sponsored defined benefit pension plan. The NewAlliance Plan was frozen prior to completion of the merger and has not been merged into the First Niagara Plan. Accordingly, no employees are permitted to commence participation in the First Niagara Plan or the NewAlliance Plan (collectively, the “Plans”) and future salary increases and years of credited service are not considered when computing an employee’s benefits under the Plans. As of December 31, 2015 , we have met all minimum ERISA funding requirements. We also have unfunded supplemental executive retirement plans (“SERPs”) for which we have recorded an accumulated other comprehensive loss of $5 million and $6 million at December 31, 2015 and 2014 , respectively. We had assumed these plans in connection with the NewAlliance and other previous acquisitions, therefore no employees are eligible to commence participation in the SERPs. The projected benefit obligation and accumulated benefit obligation for these SERPs was $21 million and $23 million , respectively, at December 31, 2015 and 2014 . Information regarding our pension plans is as follows at December 31: 2015 2014 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 260 $ 214 Service cost 1 1 Interest cost 10 10 Actuarial (gain) loss (21 ) 49 Benefits paid (17 ) (15 ) Projected benefit obligation at end of year 232 260 Change in fair value of plan assets: Fair value of plan assets at beginning of year 296 290 Employer contributions 2 2 Actual return on plan assets 1 19 Benefits paid (17 ) (14 ) Fair value of plan assets at end of year 281 296 Overfunded status at year end $ 49 $ 36 Net pension cost is comprised of the following for the years ended December 31: 2015 2014 2013 Service cost $ 1 $ 1 $ 1 Interest cost 10 10 10 Expected return on plan assets (16 ) (17 ) (16 ) Amortization of unrecognized loss 4 1 3 Net periodic pension (gain) $ (1 ) $ (5 ) $ (2 ) Changes in plan assets and benefit obligations recognized in other comprehensive income are as follows for the years ended December 31: 2015 2014 Net (gain) loss $ (10 ) $ 46 Total (gain) loss recognized in other comprehensive income (10 ) 46 Total recognized in net periodic pension cost and other comprehensive income $ (11 ) $ 42 The principal actuarial assumptions we used were as follows for the years ended December 31: 2015 2014 2013 Projected benefit obligation: Discount rate 4.03 % 3.99 % 5.02 % Net periodic pension cost: Discount rate 5.47 % 5.01 % 4.07 % Expected long-term rate of return on plan assets 5.50 % 5.89 % 5.89 % For the 2015 pension plan valuations, we utilized the RP-2014 Healthy Annuitant/Employee Mortality table with Projection Scale MP-2015. The discount rate that we used in the measurement of our pension obligation is determined by modeling the pension plan expected future retirement payment cash flows to the Milliman Bond Matching Model as of the measurement date. The expected long-term rate of return on plan assets reflects long-term earnings expectations on existing plan assets and those contributions expected to be received during the current plan year. In estimating that rate, we gave appropriate consideration to historical returns earned by plan assets in the fund and the rates of return expected to be available for reinvestment. We adjusted rates of return to reflect current capital market assumptions and changes in investment allocations. Our overall investment strategy with respect to the assets of our Plans is primarily for preservation of capital and to provide regular dividend and interest payments. The Plans' target asset allocation for 2015 was 57% fixed income securities, 38% equity securities and 5% cash. The fixed income portion of the Plans' assets is to be managed as a high-grade intermediate term fixed income account. Equity securities primarily include investments in large cap value and growth stocks as well as mid and small cap companies. We assumed equity securities to earn a return in the range of 6.8% to 8.0% and fixed income securities to earn a return in the range of 2.5% to 4.0% . The long-term inflation rate was estimated to be 2.5% . When these overall return expectations are applied to our Plan's target allocation, we expect the rate of return to be approximately 5.5% . The fair values of the Plans’ assets by asset category and level within the fair value hierarchy are as follows at December 31: Asset Category Total Level 1 Level 2 Level 3 2015 Cash $ 14 $ 14 $ — $ — Fixed income securities: Corporate bonds 2 — 2 — Exchange traded funds: Diversified emerging markets 1 1 — — Mutual fund investments: Inflation protected bond fund 31 31 — — Small and mid cap blend 13 13 — — Foreign large value and blend 9 9 — — Large cap growth and blend 80 80 — — Real estate 4 4 — — High yield bond 17 17 — — World bond 17 17 — — Intermediate term bond 93 93 — — $ 281 $ 279 $ 2 $ — Asset Category Total Level 1 Level 2 Level 3 2014 Cash $ 14 $ 14 $ — $ — Equity securities: First Niagara Financial Group, Inc. common stock 1 1 — — Fixed income securities: Corporate bonds 3 — 3 — Exchange traded funds: Large cap growth 23 23 — — Foreign large cap value and blend 4 4 — — High yield bond fund 7 7 — — Inflation protected bond fund 43 43 — — Intermediate term bond fund 91 91 — — Diversified emerging markets 1 1 — — Real estate 5 5 — — Mortgage-backed securities 7 7 — — Small and mid cap blend 5 5 — — World bond 18 18 — — Mutual fund investments: Foreign large value and blend 5 5 — — Small and midcap growth, value, and blend 3 3 — — Large cap growth, value, and blend 60 60 — — Real estate 4 4 — — Diversified emerging markets 2 2 — — $ 296 $ 294 $ 3 $ — The Plans did not hold any assets classified as Level 3 during 2015 or 2014 . Estimated benefit payments under our pension plans over the next ten years are as follow at December 31, 2015 : 2016 $ 14 2017 14 2018 14 2019 14 2020 15 2021-2025 73 Other Post-Retirement Benefits We have an unfunded post-retirement medical plan which we have modified so that participation is closed to those employees who did not meet the retirement eligibility requirements by December 31, 2001. We also acquired three unfunded post-retirement employee benefit plans from our merger with NewAlliance which are also frozen. Information regarding these post-retirement plans is as follows at December 31: 2015 2014 Change in accumulated post-retirement benefit obligation: Accumulated post-retirement benefit obligation at beginning of year $ 14 $ 10 Interest cost 1 1 Plan amendments (4 ) — Actuarial (gain) loss (1 ) 4 Benefits paid (5 ) (1 ) Accumulated post-retirement benefit obligation at end of year $ 5 $ 14 Unfunded status at year end $ (5 ) $ (14 ) The components of net periodic post-retirement benefit cost are as follows for the years ended December 31: 2015 2014 2013 Interest cost $ 1 $ 1 $ 1 Amortization of unrecognized loss 1 — — Settlement loss 1 — — Total periodic post-retirement cost $ 2 $ 1 $ — Changes in plan benefit obligations recognized in other comprehensive income are as follows for the years ended December 31: 2015 2014 Net (gain) loss $ (2 ) $ 4 Amortization of unrecognized loss (1 ) — Prior service credit (4 ) — Total (gain) loss recognized in other comprehensive income $ (7 ) $ 4 Total recognized in net periodic post-retirement cost and other comprehensive income $ (5 ) $ 5 The principal actuarial assumptions used were as follows for the years ended December 31: 2015 2014 2013 Accumulated post-retirement benefit obligation: Discount rate 4.12 % 3.90 % 4.87 % Total periodic cost: Discount rate 3.90 % 4.87 % 3.89 % For the 2015 unfunded post-retirement medical plan valuations, we utilized the RP-2014 Healthy Annuitant/Employee Mortality table with Projection Scale MP-2015. The assumed health care cost trend rate used in measuring the accumulated post-retirement benefit obligation was 6.1% for 2015 , and gradually decreased to 5.6% by 2017 . This assumption can have a significant effect on the amounts reported. If the rate were increased one percent, our total periodic cost for 2015 would have increased by 7% and if the rate were decreased one percent, our total periodic cost would have decreased by 6% . Beginning January 1, 2016, we transitioned our retirees to a private exchange for medical, dental and vision coverage; we will fund a health reimbursement arrangement ("HRA") for eligible retirees. We do not anticipate making any contributions to the post-retirement plan in 2016 , except to continue funding benefit payments as they come due. Estimated benefit payments under the post-retirement plan over the next ten years are as follows at December 31, 2015 : 2016 $ 1 2017 — 2018 — 2019 — 2020 — 2021-2025 2 Amounts recognized in our Consolidated Statements of Condition related to our pension and post-retirement plans are as follows for the years ended December 31: 2015 2014 Other assets: Fair value of plan assets in excess of projected benefit obligation $ 49 $ 36 Other liabilities: Accumulated post-retirement benefit obligation $ 5 $ 14 Accumulated other comprehensive loss (income), net of taxes: Pension plans $ 40 $ 50 Post-retirement benefit plan (1 ) 1 $ 39 $ 51 401(k) Plan Our employees that meet certain age and service requirements are eligible to participate in our employer sponsored 401(k) plan. Under the plan, participants may make contributions, in the form of salary deferrals, up to the maximum Internal Revenue Code limit. We contribute to the plan an amount equal to 100% of the first 4% of employee contributions plus 50% of employee contributions between 5% and 6% . These matching contributions are 100% vested. Our total contributions to the 401(k) plan amounted to $13 million , $14 million , and $13 million for 2015 , 2014 , and 2013 , respectively. Employee Stock Ownership Plan (“ESOP”) In 2014, the Board of Directors approved the termination of our ESOP as of December 31, 2014. All participants in the ESOP on the termination date became 100% vested. We applied to the Internal Revenue Service ("IRS") for a determination letter in the first quarter of 2015. After the IRS issues a determination letter, we will notify ESOP participants of the available options for receiving their ESOP distributions. The distribution options include an in-kind distribution to a qualified retirement plan, a direct in-kind distribution, a cash distribution to a qualified retirement plan, or a direct lump sum cash distribution. We recorded additional compensation expense of $1 million in 2014 related to the additional shares released as a result of the termination. Our employees that met certain age and service requirements were eligible to participate in our ESOP. Our ESOP held shares of First Niagara Financial Group, Inc. common stock that were purchased in our 1998 initial public offering and in the open market. The purchased shares were funded by loans in 1998 and 2003 from the Company to the Bank payable in equal annual installments over 30 years bearing a fixed interest rate. Loan payments were funded by cash contributions from the Bank and dividends on allocated and unallocated First Niagara Financial Group, Inc. stock held by the ESOP. Upon the termination of the ESOP, the loans were prepaid without penalty. As the loan was internally leveraged, the loan receivable from the Bank to the Company was not reported as an asset nor was the debt of the Bank shown as a liability in the Company’s financial statements. Shares purchased by the ESOP were maintained in a suspense account and held for allocation among the participants. As annual loan payments were made, shares were released and allocated to employee accounts. We recognized compensation expense in an amount equal to the average market price of the shares released during the respective periods in which they were committed to be released. Compensation expense of $2 million , and $1 million was recognized for 2014 and 2013 , respectively, in connection with 297 thousand and 178 thousand shares allocated to participants during 2014 and 2013 , respectively. The amount of allocated shares was 2 million at December 31, 2015 and 2014 . Due to the termination of the ESOP during 2014, there were no unallocated shares at December 31, 2015 and 2014 . We also sponsor various nonqualified compensation plans for officers and employees. Awards are payable if certain earnings and performance objectives are met. Expenses under these plans amounted to $30 million , $25 million and $27 million for 2015 , 2014 , and 2013 , respectively.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Current accounting guidance establishes a fair value hierarchy based on the transparency of inputs participants use to price an asset or liability. The fair value hierarchy prioritizes these inputs into the following three levels: Level 1 Inputs —Unadjusted quoted prices in active markets for identical assets or liabilities that are available at the measurement date. Level 2 Inputs —Inputs, other than quoted prices included within Level 1, that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.), or inputs that are derived principally from or corroborated by market data through correlation or other means. Level 3 Inputs —Unobservable inputs for determining the fair value of the asset or liability and are based on the entity’s own estimates about the assumptions that market participants would use to price the asset or liability. A financial instrument’s categorization within the valuation hierarchy is based on the lowest level of input that is significant to the fair value measurement. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While we believe our valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Assets and Liabilities Measured at Fair Value on a Recurring Basis Securities Available for Sale The fair value estimates of available for sale securities are based on quoted market prices of identical securities, where available (Level 1). However, as quoted prices of identical securities are not often available, the fair value estimate for almost our entire investment portfolio is based on quoted market prices of similar securities, adjusted for differences between the securities (Level 2). Adjustments may include amounts to reflect differences in underlying collateral, interest rates, estimated prepayment speeds, and counterparty credit quality. Where sufficient information is not available from the pricing services to produce a reliable valuation, we estimate fair value based on either broker quotes or internally developed models. We determine the fair value using third party pricing services, including brokers. As of December 31, 2015 , none of our investment securities were priced utilizing broker quotes. See Item 7, "Management's Discussion and Analysis of Financial Condition and Results of Operations," "Critical Accounting Policies and Estimates," for details regarding our pricing process and sources. Loans held for sale We have elected the fair value option for certain residential real estate loans held for sale as we believe the fair value measurement of such loans reduces certain timing differences in our Statement of Operations and better aligns with our management of the portfolio from a business perspective. This election is made at the time of origination, on a loan by loan basis, and is irrevocable. The secondary market for securities backed by similar loan types is actively traded, which provides readily observable market pricing to be used as input for the estimate for the fair value of our loans. Accordingly, we have classified this fair value measurement as Level 2. Interest income on these loans is recognized in Interest Income—Loans and Leases in our Consolidated Statements of Operations. The table below presents information about our loans held for sale for which we elected the fair value option at December 31: 2015 2014 Fair value carrying amount $ 43 $ 35 Aggregate unpaid principal balance 42 34 Fair value carrying amount less aggregate unpaid principal balance $ 1 $ 1 Additionally, included in loans held for sale on our Consolidated Statements of Condition are $3 million and $5 million of commercial loans held for sale that are carried at the lower of cost or market at December 31, 2015 and 2014 , respectively. Derivatives We obtain fair value measurements of our interest rate swaps from a third party. The fair value measurements are determined using a market standard methodology of netting discounted future fixed cash receipts (or payments) and the discounted expected variable cash payments (or receipts). Variable cash payments (or receipts) are based on an expectation of future interest rates derived from observable market interest rate curves. Credit valuation adjustments are incorporated to appropriately reflect our nonperformance risk as well as the counterparty’s nonperformance risk. The impact of netting and any applicable credit enhancements, such as bilateral collateral postings, thresholds, mutual puts, and guarantees are also considered in the fair value measurement. The fair value of our interest rate swaps was estimated using primarily Level 2 inputs. However, Level 3 inputs were used to determine credit valuation adjustments, such as estimates of current credit spreads to evaluate the likelihood of default. We have determined that the impact of these credit valuation adjustments was not significant to the overall valuation of our interest rate swaps. Therefore, we have classified the entire fair value of our interest rate swaps in Level 2 of the fair value hierarchy. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables summarize our assets and liabilities measured at fair value on a recurring basis at December 31: Fair Value Measurements Total Level 1 Level 2 Level 3 2015 Assets: Investment securities available for sale: Debt securities: States and political subdivisions $ 379 $ — $ 379 $ — U.S. Treasury 55 55 — — U.S. government sponsored enterprises 269 — 269 — Corporate 801 — 797 4 Total debt securities 1,504 55 1,445 4 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 26 — 26 — Federal National Mortgage Association 71 — 71 — Federal Home Loan Mortgage Corporation 87 — 87 — Collateralized mortgage obligations: Government National Mortgage Association 94 — 94 — Federal National Mortgage Association 730 — 730 — Federal Home Loan Mortgage Corporation 355 — 355 — Total collateralized mortgage obligations 1,179 — 1,179 — Total residential mortgage-backed securities 1,364 — 1,364 — Commercial mortgage-backed securities, non-agency issued 1,085 — 1,085 — Total mortgage-backed securities 2,449 — 2,449 — Collateralized loan obligations, non-agency issued 1,186 — 1,186 — Asset-backed securities collateralized by: Student loans 171 — 171 — Credit cards 20 — 20 — Auto loans 66 — 66 — Other 53 — 53 — Total asset-backed securities 310 — 310 — Other 22 21 1 — Total securities available for sale 5,471 76 5,391 4 Loans held for sale (1) 43 — 43 — Derivatives 123 — 123 — Total assets $ 5,637 $ 76 $ 5,557 $ 4 Liabilities: Derivatives $ 128 $ — $ 128 $ — (1) Represents loans for which we have elected the fair value option. Fair Value Measurements Total Level 1 Level 2 Level 3 2014 Assets: Investment securities available for sale: Debt securities: States and political subdivisions $ 453 $ — $ 453 $ — U.S. Treasury 25 25 — — U.S. government sponsored enterprises 191 — 191 — Corporate 823 — 818 4 Total debt securities 1,492 25 1,463 4 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 34 — 34 — Federal National Mortgage Association 100 — 100 — Federal Home Loan Mortgage Corporation 120 — 120 — Collateralized mortgage obligations: Federal National Mortgage Association 682 — 682 — Federal Home Loan Mortgage Corporation 350 — 350 — Total collateralized mortgage obligations 1,032 — 1,032 — Total residential mortgage-backed securities 1,286 — 1,286 — Commercial mortgage-backed securities, non-agency issued 1,500 — 1,500 — Total mortgage-backed securities 2,786 — 2,786 — Collateralized loan obligations, non-agency issued 1,016 — 1,016 — Asset-backed securities collateralized by: Student loans 235 — 235 — Credit cards 42 — 42 — Auto loans 194 — 194 — Other 127 — 127 — Total asset-backed securities 599 — 599 — Other 22 21 1 — Total securities available for sale 5,915 47 5,865 4 Loans held for sale (1) 35 — 35 — Derivatives 93 — 93 — Total assets $ 6,043 $ 47 $ 5,993 $ 4 Liabilities: Derivatives $ 94 $ — $ 94 $ — (1) Represents loans for which we have elected the fair value option. Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis The following table summarizes our assets and liabilities measured at fair value on a nonrecurring basis for the years ended December 31: Fair Value Measurements Total gains Total Level 1 Level 2 Level 3 (losses) 2015 Collateral dependent impaired loans $ 8 $ — $ 8 $ — $ — 2014 Collateral dependent impaired loans $ 10 $ — $ 10 $ — $ — Collateral Dependent Impaired Loans We record nonrecurring fair value adjustments to the carrying value of collateral dependent impaired loans when establishing the allowance for loan losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan less estimated costs to sell the collateral. When the fair value of such collateral, less costs to sell, is less than the carrying value of the loan, a specific allowance or charge off is recorded through a provision for credit losses. Real estate collateral is typically valued using independent appraisals that we review for acceptability, or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace and the related nonrecurring fair value measurements have been classified as Level 2. Under certain circumstances significant adjustments may be made to the appraised value due to the lack of direct marketplace information. Such adjustments are made as determined necessary in the judgment of our experienced senior credit officers to reflect current market conditions and current operating results for the specific collateral. When the fair value of collateral dependent impaired loans is based on appraisals containing significant adjustments, such collateral dependent impaired loans are classified as Level 3. We obtain new appraisals from an approved appraiser, in accordance with Interagency Appraisal and Evaluation Guidelines and internal policy. Appraisals or evaluations for assets securing substandard rated loans are usually completed within 90 days of the downgrade. An appraisal may be obtained more frequently when volatile or unusual market conditions exist that could affect the ultimate realization of the value of the real estate collateral. During 2015 , we recorded a decrease of $0.1 million to our specific allowance as a result of adjusting the fair value of the collateral for certain collateral dependent impaired loans to $8 million at December 31, 2015 , which is included in our provision for credit losses. During 2014 , we recorded a decrease of $0.1 million to our specific allowance as a result of adjusting the fair value of the collateral for certain collateral dependent impaired loans to $10 million at December 31, 2014 , which is included in our provision for credit losses. Level 3 Assets Due to the lack of observable market data, we have classified our trust preferred securities, which are included in corporate debt securities and amounted to $4 million at December 31, 2015 and 2014 , in Level 3 of the fair value hierarchy. There were no changes in our trust preferred securities during the year ended December 31, 2015 and 2014 . As of December 31, 2015 and 2014 , the fair values of our trust preferred securities are based upon third party pricing without adjustment. Fair Value of Financial Instruments The carrying value and estimated fair value of our financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis, are as follows at December 31: 2015 2014 Carrying value Estimated fair value Fair value level Carrying value Estimated fair Fair value Financial assets: Cash and cash equivalents $ 672 $ 672 1 $ 420 $ 420 1 Investment securities available for sale 5,471 5,471 1,2,3 (1) 5,915 5,915 1,2,3 (1) Investment securities held to maturity 6,388 6,378 2 5,942 5,964 2 Federal Home Loan Bank and Federal Reserve Bank common stock 410 410 2 412 412 2 Loans held for sale 46 46 2 40 40 2 Loans and leases, net 23,796 23,749 2,3 (2) 22,803 23,037 2,3 (2) Derivatives 123 123 2 93 93 2 Accrued interest receivable 104 104 2 101 101 2 Financial liabilities: Deposits $ 28,701 $ 28,705 2 $ 27,781 $ 27,793 2 Borrowings 6,657 6,666 2 6,206 6,215 2 Derivatives 128 128 2 94 94 2 Accrued interest payable 14 14 2 11 11 2 (1) For a detailed breakout of our investment securities available for sale, refer to our table of recurring fair value measurements. (2) Loans and leases classified as level 2 are made up of $8 million and $10 million of collateral dependent impaired loans without significant adjustments made to appraised values at December 31, 2015 and 2014 , respectively. All other loans and leases are classified as level 3. Our fair value estimates are based on our existing on and off balance sheet financial instruments without attempting to estimate the value of any anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on our fair value estimates and have not been considered in these estimates. Our fair value estimates are made as of the dates indicated, based on relevant market information and information about the financial instruments, including our judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in our assumptions could significantly affect the estimates. Our fair value estimates, methods, and assumptions are set forth below for each type of financial instrument. The method of estimating the fair value of the financial instruments disclosed in the table above does not necessarily incorporate the exit price concept used to record financial instruments at fair value in our Consolidated Statements of Condition. Cash and Cash Equivalents The carrying value of our cash and cash equivalents approximates fair value because these instruments have original maturities of three months or less. Investment Securities The fair value estimates of securities are based on quoted market prices of identical securities, where available. However, as quoted prices of identical securities are not often available, the fair value estimate for almost our entire investment portfolio is based on quoted market prices of similar securities, adjusted for differences between the securities. Adjustments may include amounts to reflect differences in underlying collateral, interest rates, estimated prepayment speeds, and counterparty credit quality. Federal Home Loan Bank and Federal Reserve Bank Common Stock The carrying value of our Federal Home Loan Bank and Federal Reserve Bank common stock, which are non-marketable equity investments, approximates fair value. Loans and Leases Our variable rate loans reprice as the associated rate index changes. The calculation of fair value for our variable rate loans is driven by the comparison between the loan’s margin and the prevailing margin observed in the market at the time of the valuation. Any caps and floors embedded in the loan’s pricing structure are also incorporated into the fair value. We calculated the fair value of our fixed-rate loans and leases by discounting scheduled cash flows through the estimated maturity using credit adjusted period end origination rates. Our estimate of maturity is based on the contractual cash flows adjusted for prepayment estimates based on current economic and lending conditions. Accrued Interest Receivable and Accrued Interest Payable The carrying value of accrued interest receivable and accrued interest payable approximates fair value. Deposits The fair value of our deposits with no stated maturity, such as savings and checking, as well as mortgagors’ payments held in escrow, is equal to the amount payable on demand. The fair value of our certificates of deposit is based on the discounted value of contractual cash flows, using the period end rates offered for deposits of similar remaining maturities. Borrowings The fair value of our borrowings is calculated by discounting scheduled cash flows through the estimated maturity using period end market rates for borrowings of similar remaining maturities. Commitments The fair value of our commitments to extend credit, standby letters of credit, and financial guarantees are not included in the above table as the carrying value generally approximates fair value. These instruments generate fees that approximate those currently charged to originate similar commitments.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Information	Segment Information We have two business segments: banking and financial services. The banking segment includes all of our retail and commercial banking operations. The financial services segment includes our insurance operations. Substantially all of our assets relate to the banking segment. Transactions between our banking and financial services segments are eliminated in consolidation. Selected financial information for our segments follows for the years ended December 31: Banking Financial services Consolidated total 2015 Net interest income $ 1,056 $ — $ 1,056 Provision for credit losses 76 — 76 Net interest income after provision for credit losses 980 — 980 Noninterest income 276 66 342 Amortization of intangibles 17 2 19 Other noninterest expense 948 53 1,000 Income before income taxes 291 11 302 Income tax expense 74 4 79 Net income $ 217 $ 7 $ 224 2014 Net interest income $ 1,086 $ — $ 1,086 Provision for credit losses 96 — 96 Net interest income after provision for credit losses 990 — 990 Noninterest income 244 66 310 Amortization of intangibles 24 3 27 Goodwill impairment 1,100 — 1,100 Other noninterest expense 940 57 997 (Loss) income before income taxes (831 ) 7 (824 ) Income tax (benefit) expense (112 ) 3 (109 ) Net (loss) income $ (719 ) $ 4 $ (715 ) 2013 Net interest income $ 1,093 $ — $ 1,093 Provision for credit losses 105 — 105 Net interest income after provision for credit losses 988 — 988 Noninterest income 298 67 366 Amortization of intangibles 37 3 40 Other noninterest expense 839 52 891 Income before income taxes 411 12 423 Income tax expense 123 5 128 Net income $ 288 $ 7 $ 295

Condensed Parent Company Only F

Condensed Parent Company Only Financial Statements	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Parent Company Only Financial Statements	Note 19. Condensed Parent Company Only Financial Statements The following condensed statements of condition of the Company at December 31, 2015 and 2014 and the related condensed statements of operations and cash flows for the years ended December 31, 2015 , 2014 , and 2013 should be read in conjunction with our Consolidated Financial Statements and related notes: Condensed Statements of Condition 2015 2014 Assets: Cash and cash equivalents $ 394 $ 383 Investment in subsidiary 4,418 4,388 Deferred taxes 33 32 Other assets 12 13 Total assets $ 4,857 $ 4,815 Liabilities and Stockholders’ Equity: Accounts payable and other liabilities $ 19 $ 12 Borrowings 712 710 Stockholders’ equity 4,126 4,093 Total liabilities and stockholders’ equity $ 4,857 $ 4,815 Condensed Statements of Operations 2015 2014 2013 Interest income $ — $ 1 $ 2 Dividends received from subsidiary 100 80 175 Total interest and dividend income 100 81 177 Interest expense 49 48 49 Net interest income 52 33 128 Noninterest income 2 3 2 Noninterest expense 36 27 30 Income before income taxes and undisbursed income of subsidiary 17 9 100 Income tax benefit (31 ) (28 ) (29 ) Income before undisbursed income of subsidiary 48 36 129 Undisbursed income (loss) of subsidiary 176 (751 ) 167 Net income (loss) 224 (715 ) 295 Preferred stock dividend 30 30 30 Net income (loss) available to common stockholders $ 193 $ (745 ) $ 265 Net income (loss) $ 224 $ (715 ) $ 295 Other comprehensive (loss) income (1) (56 ) (53 ) (95 ) Total comprehensive income (loss) $ 167 $ (768 ) $ 200 (1) See Consolidated Statements of Comprehensive Income (Loss) for other comprehensive income (loss) detail. Condensed Statements of Cash Flows 2015 2014 2013 Cash flows from operating activities: Net income (loss) $ 224 $ (715 ) $ 295 Adjustments to reconcile net (loss) income to net cash provided by operating activities: Undisbursed (income) loss of subsidiaries (176 ) 751 (167 ) Stock-based compensation expense 13 11 9 Deferred income tax (benefit) expense (2 ) 2 (18 ) Decrease (increase) in other assets (2 ) (2 ) 7 Decrease in other liabilities 7 (1 ) (9 ) Net cash provided by operating activities 64 46 118 Cash flows from investing activities: Proceeds from maturities of securities available for sale — 3 — Principal payments received on securities available for sale — — 1 Purchases of securities available for sale — — (2 ) Repayment of ESOP loan receivable — 15 1 Other, net 1 1 (1 ) Net cash provided by investing activities 1 19 — Cash flows from financing activities: Return of capital from subsidiary 90 85 — Repurchase of shares upon ESOP termination — (14 ) — Dividends paid on preferred stock (30 ) (30 ) (30 ) Dividends paid on common stock (113 ) (113 ) (112 ) Net cash used in financing activities (54 ) (72 ) (143 ) Net increase (decrease) in cash and cash equivalents 11 (7 ) (25 ) Cash and cash equivalents at beginning of period 383 390 415 Cash and cash equivalents at end of period $ 394 $ 383 $ 390

Summary of Significant Accoun28

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation Our Consolidated Financial Statements include the accounts of the Company and its subsidiaries. We have eliminated all significant intercompany balances in consolidation.
Subsequent Events	Subsequent Events We reviewed subsequent events and determined that no further disclosures or measurements were required.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of our Consolidated Statement of Cash Flows, cash and cash equivalents include cash and due from banks, money market investments, and federal funds sold which have an original term of less than three months.
Investment Securities	Investment Securities We have classified our investments in debt and equity securities as held to maturity or available for sale. We classify investment securities as held to maturity if we have the positive intent and ability to hold them to maturity. Held to maturity securities are reported at amortized cost. We classify investment securities not classified as held to maturity as available for sale, and report them at fair value with unrealized gains and losses, net of deferred taxes, reported in other comprehensive income as a separate component of stockholders’ equity. We are required to maintain an investment in common stock of the Federal Home Loan Bank (“FHLB”) of New York and Boston as well as the Federal Reserve Bank because our Bank is a member of the FHLB and the Federal Reserve System. We consider these stocks to be nonmarketable equity securities and carry them at cost. We conduct a quarterly review and evaluation of our investment securities portfolio to determine if any declines in fair value below amortized cost are other than temporary. In making this determination, we consider some or all of the following factors: the period of time the securities have been in an unrealized loss position, the percentage decline in fair value in comparison to the securities’ amortized cost, credit rating, the financial condition of the issuer and guarantor, where applicable, the delinquency or default rates of underlying collateral, credit enhancement, projected losses, level of credit loss, and projected cash flows. If we intend to sell a security with a fair value below amortized cost or if it is more likely than not that we will be required to sell such a security before recovery, we record an other than temporary impairment charge through current period earnings for the full decline in fair value below amortized cost. For debt securities that we do not intend to sell or it is more likely than not that we will not be required to sell before recovery, we record an other than temporary impairment charge through current period earnings for the amount of the valuation decline below amortized cost that is attributable to credit losses. The remaining difference between the debt security’s fair value and amortized cost (that is, decline in fair value not attributable to credit losses) is recognized in other comprehensive income. Our investment securities portfolio includes residential mortgage-backed securities and collateralized mortgage obligations. As the underlying collateral of each of these securities is comprised of a large number of similar residential mortgage loans for which prepayments are probable and the timing and amount of such prepayments can be reasonably estimated, we consider estimates of future principal prepayments of these underlying residential mortgage loans in the calculation of the constant effective yield used to apply the interest method for income recognition, with retroactive adjustments made as warranted. Purchases and sales of investment securities are recorded on trade date, with realized gains and losses on sales included in our Consolidated Statements of Income using the specific identification method. We amortize premiums and accrete discounts on our investment securities to interest income utilizing the interest method.
Loans and Leases	Originated Loans and Leases Loans we originate and intend to hold in our portfolio are stated at the principal amount outstanding, adjusted for unamortized deferred fees and costs which we amortize to interest income over the expected life of the loan using the interest method. We discontinue accrual of interest on originated loans after payments become more than 90 days past due, or earlier if we do not expect the full collection of principal or interest, with the exception of credit cards. Credit cards are placed on nonaccrual status at 180 days past due. The delinquency status is based upon the contractual terms of the loans. We reverse all uncollected interest income that we previously recognized on nonaccrual loans. When we have doubt as to the collectibility of a loan’s principal, we apply interest payments to principal. With the exception of residential mortgage loans that are well secured and in the process of collection, cash receipts received on nonperforming impaired loans are first applied to the loan’s principal. Once the remaining principal balance has been collected in full, cash receipts are then applied as recoveries of any partially charged-off amount on the loan. Once a loan’s principal balance, including any previously charged-off amounts are collected in full, cash receipts are recorded as interest income. For residential mortgage loans, where the loan is both well secured and in the process of collection, we recognize interest income on a cash basis. Interest income on performing troubled debt restructurings, which are considered impaired loans, are applied in accordance with the terms of the modified loan. We return loans to accrual status when principal and interest payments are current, we expect full collectibility of principal and interest, and a consistent repayment record has been demonstrated. We charge loans off against our allowance for loan losses when it becomes evident that we will not fully collect the balance of the loan. For business and commercial real estate loans, we record a charge off when it is determined that the collection of all or a portion of a loan may not be collected and the amount of that loss is reasonably estimable. For our consumer loans secured by real estate, including our residential mortgages, home equity loans and home equity lines of credit, we order broker price opinions (“BPOs”) at 90 days past due and record partial or full charge-offs based upon the results of such valuations by no later than 180 days past due. All other closed end consumer loans are charged off at 120 days past due and all other open ended consumer lines, including credit card loans, are charged off at 180 days past due. We consider a loan impaired when, based on current information, it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of the agreement. Nonaccrual commercial real estate and business loans greater than $1 million are evaluated individually for impairment. Additionally, all loans modified in a troubled debt restructuring (“TDR”), regardless of size, are considered impaired. We measure the impairment in these loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical alternative, the loan’s observable market price or the fair value of the underlying collateral, if the loan is collateral dependent. At origination, a determination is made whether a loan will be held in our portfolio or is intended for sale in the secondary market. Loans that will be held in our portfolio are carried at amortized cost. Beginning in the second quarter of 2011, we elected the fair value option for substantially all residential mortgage loans held for sale as we believe the fair value measurement of such loans reduces certain timing differences in our Statement of Operations and better aligns with our management of the portfolio from a business perspective. This loan by loan election is made at the time of origination and is irrevocable. Residential mortgage loans held for sale for which the fair value option has not been elected, are recorded at the lower of the aggregate cost or market value (“LOCOM”). For residential mortgage loans held for sale where we have elected the fair value option any change in fair value subsequent to origination is recognized immediately in earnings in mortgage banking income. For residential mortgage loans held for sale that are recorded at LOCOM, we recognize any subsequent decreases in fair value in a valuation allowance through a charge to earnings at the time the decline in value occurs. We include gains and losses occurring during the holding period as well as those resulting from sales of our loans held for sale in mortgage banking income.
Acquired Loans	Acquired Loans Loans that we acquired in acquisitions subsequent to January 1, 2009 were recorded at fair value with no carryover of the related allowance for loan losses at the time of acquisition. Determining the fair value of the loans involved estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. We have acquired loans in four separate acquisitions between January 2009 and May 2012. For each acquisition, we reviewed all loans greater than $1 million and considered the following factors as indicators that such an acquired loan had evidence of deterioration in credit quality and was therefore in the scope of Accounting Standards Codification (“ASC”) 310-30 (Loans and Debt Securities Acquired with Deteriorated Credit Quality): • Loans that were 90 days or more past due; • Loans that had an internal risk rating of substandard or worse. Substandard is consistent with regulatory definitions and is defined as having a well defined weakness that jeopardizes liquidation of the loan; • Loans that were classified as nonaccrual by the acquired bank at the time of acquisition; or • Loans that had been previously modified in a troubled debt restructuring. Individual acquired loans determined to have evidence of deterioration in credit quality are accounted for individually in accordance with ASC 310-30. Any acquired loans that were not individually in the scope of ASC 310-30 because they did not meet the criteria above were either (i) pooled into groups of similar loans based on the borrower type, loan purpose, and collateral type and accounted for under ASC 310-30 by analogy or (ii) accounted for under ASC 310-20 (Nonrefundable Fees and Other Costs.) Based on the guidance included in the December 18, 2009 letter from the AICPA Depository Institutions Panel to the Office of the Chief Accountant of the SEC, we have made an accounting policy election to apply ASC 310-30 by analogy to qualifying acquired pools of loans that (i) were acquired in a business combination or asset purchase, (ii) resulted in recognition of a discount attributable, at least in part, to credit quality; and (iii) were not subsequently accounted for at fair value. Acquired loans accounted for under ASC 310-30 The excess of expected cash flows from acquired loans over the estimated fair value of acquired loans at acquisition is referred to as the accretable discount and is recognized into interest income over the remaining life of the acquired loans using the interest method. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable discount. The nonaccretable discount represents estimated future credit losses expected to be incurred over the life of the acquired loans. Subsequent decreases to the expected cash flows require us to evaluate the need for an addition to the allowance for loan losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonaccretable discount which we then reclassify as accretable discount that is recognized into interest income over the remaining life of the loan using the interest method. Our evaluation of the amount of future cash flows that we expect to collect takes into account actual credit performance of the acquired loans to date and our best estimates for the expected lifetime credit performance of the loans using currently available information. Charge-offs on acquired loans would be first applied to the nonaccretable discount portion of the fair value adjustment. To the extent that we experience a deterioration in credit quality in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. In accordance with ASC 310-30, recognition of income is dependent on having a reasonable expectation about the timing and amount of cash flows expected to be collected. We perform such an evaluation on a quarterly basis on both our acquired loans individually accounted for under ASC 310-30 and those in pools accounted for under ASC 310-30 by analogy. Cash flows for acquired loans individually accounted for under ASC 310-30 are estimated on a quarterly basis. Based on this evaluation, a determination is made as to whether or not we have a reasonable expectation about the timing and amount of cash flows. Such an expectation includes cash flows from normal customer repayment, foreclosure or other collection efforts. Cash flows for acquired loans accounted for on a pooled basis under ASC 310-30 by analogy are also estimated on a quarterly basis. For residential real estate, home equity and other consumer loans, cash flow loss estimates are calculated by a vintage and FICO based model which incorporates a projected forward loss curve. For commercial loans, lifetime loss rates are assigned to each pool with consideration given for pool make-up, including risk rating profile. Lifetime loss rates are developed from internally generated loss data and are applied to each pool. To the extent that we cannot reasonably estimate cash flows, interest income recognition is discontinued. The unit of account for loans in pools accounted for under ASC 310-30 by analogy is the pool of loans. Accordingly, as long as we can reasonably estimate cash flows for the pool as a whole, accretable yield on the pool is recognized and all individual loans within the pool - even those more than 90 days past due - would be considered to be accruing interest, and reported as such, in our financial statement disclosures, regardless of whether or not we expected to collect any principal or interest cash flows on an individual loan 90 days or more past due.
Allowance for Loan Losses	Allowance for Loan Losses We establish our allowance for loan losses through a provision for credit losses. The level of the allowance for loan losses is based on our evaluation of the overall credit quality of our total loan portfolio. We segregate our loans between loans we originated which are accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired (referred to as “acquired” loans), as acquired loans were originally recorded at fair value, which included an estimate of lifetime credit losses, resulting in no carryover of the related allowance for loan losses. We continue to monitor and modify the level of our allowance for loan losses to ensure it is adequate to cover losses inherent in our loan portfolio. Originated loans We determine our allowance for loan losses by portfolio segment, which consists of commercial loans and consumer loans. Our commercial loan portfolio includes both business and commercial real estate loans. Our consumer loan portfolio includes residential real estate, home equity, indirect auto, credit card and other consumer loans. The allowance for loan losses is comprised of two components. The first component covers pools of loans for which there are incurred losses that are not yet individually identifiable. The allowance for pools of loans is based on net historical loan loss experience for similar loans with similar inherent risk characteristics and performance trends adjusted, as appropriate, for quantitative and qualitative risk factors specific to respective loan types. The second component covers loans that have been identified as impaired or are nonperforming as well as troubled debt restructurings (“TDRs”.) Commercial loan portfolio Commercial loans are initially evaluated using quantitative models whereby loans are grouped into pools based on similar risk characteristics such as loan type and grade to determine the historical loss rate. By loan type, the historical loss experience over an established loss emergence and look back period for each loan pool is used to calculate historical loss rates that are used as the primary driver of the quantitative historical allowance estimate. The loss emergence and historical loss look-back periods may vary based on a variety of factors. For example, a relatively long look-back may be the appropriate measure during times of economic stability; however, during a period of significant or rapid economic expansion or contraction, a shorter measurement period may be more appropriate. The loss emergence and look back periods may vary by loan pool and are considered in the determination of the historical loss rates for each pool. Once the quantitative historical loss rates are established they may be adjusted for qualitative factors to reflect portfolio characteristics, credit concentrations and model imprecision conditions that are not captured in the historical loss rates, recent trends in loan volume and mix, delinquency, local and national economic factors, changes to the Bank’s lending policies and procedures, experience of lending staff, industrial and geographic factors, competition and legal or regulatory requirements. Simulation techniques such as Monte Carlo modeling, using varying levels of confidence, are used to make such qualitative adjustments. These simulations help estimate the impact of concentrations such as large loan risk aspects within a loan portfolio and ensure that a reasonable amount of tail risk is captured. The Monte Carlo output may be adjusted for changes in loss severity based on recent trends that would affect charge-off levels. All qualitative adjustments are supported with trend (or other relevant data), which are documented in the quarterly allowance for loan loss analysis. In addition, historical loss rates are modified when loan growth patterns or other trends indicate that the historical loss factors would not accurately reflect losses inherent in the current portfolio. Final adjustments to the historical loss rate calculation are made for known portfolio characteristics such as 100% cash secured loans and SBA guaranteed loans not captured in the modeling approach. Combining the quantitative and qualitative measurements, the Commercial loan component of our allowance for loan losses is recorded. Consumer loan portfolio We estimate the allowance for loan losses for our consumer loan portfolio by estimating the amount of loans that will eventually default based on their current delinquency severity. We then apply a loss rate to the amount of loans that we predict will default based on our historical net loss experience. This amount may be then adjusted, if necessary, for qualitative considerations to reflect changes in underwriting, market or industry conditions or based on changes in trends in the composition of the portfolio, including risk composition, seasoning, and underlying collateral. We obtain and review refreshed FICO scores on a quarterly basis, and trends are evaluated for consideration as a qualitative adjustment to the allowance. Other qualitative considerations include, but are not limited to, the evaluation of trends in property values, building permits and unemployment. Impaired loans We consider a commercial loan impaired, when, based on current information, it is probable that we will be unable to collect all amounts of principal and interest due under the original terms of the agreement. Our threshold for evaluating commercial loans individually for impairment is $1 million . Additionally, all loans (commercial and consumer) modified in a troubled debt restructuring (“TDR”), regardless of size, are considered impaired. The need for specific valuation allowances are determined for impaired loans and recorded as necessary. We measure the impairment in these loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical alternative, the loan’s observable market price or the fair value of the underlying collateral, if the loan is collateral dependent. We then factor any related allowance for loan losses for these loans. Confirmed losses are charged off immediately. We typically would obtain an appraisal to use as the basis for the fair value of the underlying collateral. Acquired Loans Acquired loans accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy) For our acquired loans accounted for under ASC 310-30 for which subsequent decreases to the expected cash flows requires us to evaluate the need for an addition to the allowance for loan losses, our modeling techniques are similar to those we utilize for our originated loans. To the extent that we experience a deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. Acquired loans accounted for under ASC 310-20 We establish our allowance for loan losses through a provision for credit losses based upon an evaluation process that is similar to our evaluation process used for originated loans. This evaluation, which includes a review of loans on which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, carrying value of the loans, which includes the remaining net purchase discount or premium, and other factors that warrant recognition in determining our allowance for loan losses.
Premises and Equipment	Premises and Equipment Our premises and equipment are carried at cost, net of accumulated depreciation and amortization. We compute depreciation on the straight-line method over the estimated useful lives of the assets. We amortize our leasehold improvements on the straight-line method over the lesser of the life of the improvements or the lease term. We generally depreciate buildings over a period of 20 to 39 years, furniture and equipment over a period of 3 to 10 years, and capital leases over the lesser of the useful life or the respective lease term. Certain costs associated with software that is acquired, developed, or modified solely to meet internal needs are capitalized and amortized on a straight line basis over a period of 3 to 10 years. Direct costs of materials and services consumed in developing the software and internal payroll and payroll-related costs related to activities such as coding and testing the software are the types of costs capitalized. Capitalized costs for internal-use software are included in “Premises and equipment, net” in our balance sheet. Amortization of these costs is classified as “Technology and communications” expenses in our income statement.
Goodwill and Intangible Assets	Goodwill and Intangible Assets We record the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired less the fair value of liabilities assumed as goodwill. We amortize our acquired identifiable intangible assets with definite useful economic lives over their useful economic life utilizing an accelerated amortization method. On a periodic basis, we assess whether events or changes in circumstances indicate that the carrying amounts of our core deposit and other intangible assets may be impaired. We do not amortize goodwill or any acquired identifiable intangible assets with an indefinite useful economic life, but we review them for impairment on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. Goodwill is reviewed for impairment at the reporting unit level. We define a reporting unit as a distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by that segment’s management. We have the option to first assess qualitative factors to determine whether there are events or circumstances that exist that make it more likely than not that the fair value of the reporting unit is less than its carrying amount (Step 0). If it is more likely than not that the fair value of the reporting unit is less than its carrying amount, or if we choose to bypass the qualitative assessment, we proceed to compare each reporting unit's fair value to carrying value to identify potential impairment (Step 1). If the estimated fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is not considered impaired. However, if the carrying amount of the reporting unit were to exceed its estimated fair value, a second step (Step 2) would be performed that would compare the implied fair value of the reporting unit's goodwill with the carrying amount of the goodwill for the reporting unit. The implied fair value of goodwill is determined in the same manner as goodwill that is recognized in a business combination. Significant judgment and estimates are involved in estimating the fair value of the assets and liabilities of the reporting units. We perform our annual impairment review of goodwill on November 1 of each year utilizing valuation methods we believe appropriate, given the availability and applicability of market-based inputs for those methods.
Derivative Instruments	Derivative Instruments We use interest rate swaps to manage our interest rate risk. We also act as an interest rate swap counterparty for certain commercial customers, and manage the interest rate risk of these positions by entering into offsetting interest rate swap agreements with third parties. Interest rate swaps are recorded on our Consolidated Statements of Condition as either an asset or liability at estimated fair value and recognition of the changes in fair value in the income statement depends upon whether the interest rate swaps are in a designated hedging relationship. The change in the fair value of interest rate swaps designated as fair value hedges, including both the effective and ineffective portions, is recognized in earnings. These amounts are offset by the change in fair value of the hedged item, which is also recognized in earnings. The gain or loss associated with the effective portion of our cash flow hedges is recognized in other comprehensive income and is subsequently reclassified into earnings in the period during which the hedged forecasted transactions affects earnings. The gain or loss associated with the ineffective portion of our cash flow hedges is recognized immediately in earnings. We formally document our risk management objectives, strategy, and the relationship between the hedging instrument and the hedged items. We evaluate the effectiveness of the hedge relationship both at inception of the hedge and on an ongoing basis. If the interest rate swap is not designated in a hedge relationship, gains or losses reflecting changes in fair value are recorded in earnings.
Employee Benefits	Employee Benefits We maintain an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and we provide matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees. We also maintain noncontributory, qualified, defined benefit pension plans for certain employees who meet age and service requirements. We provide post-retirement benefits, principally health care and group life insurance, to employees who meet certain age and service requirements. We have frozen all benefit participation in our pension and post-retirement plans. Pension plans that we acquired in connection with our previous whole-bank acquisitions were frozen prior to or shortly after the completion of the transactions. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age, and compensation. The cost of our pension plan is based on actuarial estimates of current and future benefits for employees and is charged to current operating expenses. We recognize an asset for a plan’s overfunded status or a liability for a plan’s underfunded status in our financial statements. We report changes in the funded status of our pension and postretirement plans as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur. We measure our plans’ assets and obligations that determine its future funded status as of December 31 st each year.
Stock-Based Compensation	Stock-Based Compensation We maintain various long-term incentive stock benefit plans under which we grant stock options, restricted stock awards, and restricted stock units to certain key employees and directors. We recognize compensation expense in our income statement over the requisite service period, based on the grant-date fair value of the award. The fair values of stock options are estimated using the Black-Scholes option pricing model. For restricted stock awards and units, we recognize compensation expense on a straight-line basis over the vesting period for the fair value of the award, measured at the grant date.
Income Taxes	Income Taxes We account for income taxes under the asset and liability method. Our deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which we expect the deferred tax assets or liabilities to be realized or settled. Deferred tax assets are recognized only to the extent that it is probable that sufficient taxable profit will be available against which those unused tax losses, unused tax credits or deductible temporary differences can be utilized. As changes in tax laws or rates are enacted, we adjust our deferred tax assets and liabilities through income tax expense. We recognize penalties and accrued interest related to unrecognized tax benefits in income tax expense. Federal and State tax credits are accounted for as a reduction of income tax expense.
Earnings per Share	Earnings per Share We compute earnings per common share (“EPS”) in accordance with the two-class method, which requires that our unvested restricted stock awards that contain nonforfeitable rights to dividends be treated as participating securities in the computation of EPS pursuant to the two-class method. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. Our basic EPS is computed by dividing net income allocable to common stockholders by the weighted average number of our common shares outstanding for the period. Our diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in our earnings.
Investment and Fiduciary Services	Investment and Fiduciary Services Assets that we hold in a fiduciary or agency capacity for our customers are not included in our accompanying Consolidated Statements of Condition, since these assets are not our assets and we are not the primary beneficiary. We recognize fee income from the management of these assets using the accrual method.
Use of Estimates	Use of Estimates We have made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these financial statements in conformity with GAAP. The estimates and assumptions that we deem to be critical involve our accounting policies relating to our valuation of our investment securities, prepayment assumptions on our collateralized mortgage obligations and mortgage-backed securities, the accounting treatment and valuation of our acquired loans, adequacy of our allowance for loan losses, and the analysis of the carrying value of goodwill for impairment. These estimates and assumptions are based on management’s best estimates and judgment and we evaluate them on an ongoing basis using historical experience and other factors, including the current economic environment. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from our estimates.
Accounting Standards Adopted in 2015	Accounting Standards Adopted in 2015 In January 2014, the Financial Accounting Standards Board ("FASB") issued guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for the low-income housing tax credit. The low-income housing tax credit program is designed to encourage private capital investment in the construction and rehabilitation of low-income housing. The guidance became effective for us on January 1, 2015 with early adoption permitted. We did not early adopt this guidance and it did not have a significant impact on our current or prior year financial statements. In January 2014, the FASB issued guidance on when a creditor should reclassify a collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. The objective of the guidance is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The guidance became effective for us on January 1, 2015 with early adoption permitted. We did not early adopt this guidance and it did not have a significant impact on our financial statements. In April 2014, the FASB issued guidance that changed the requirements for reporting discontinued operations. The new guidance requires that a disposal of an entity or a group of components of an entity be reported in discontinued operations if the disposal represents a strategic shift that has (or will have) a major effect on an entity’s operations and financial results. The guidance became effective for us on January 1, 2015 and it did not have a significant impact on our financial statements. In August 2014, the FASB issued guidance that requires a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure; (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim; and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal plus interest) expected to be recovered from the guarantor. The guidance became effective for us on January 1, 2015, and did not have a significant impact on our financial statements.
Accounting Standards Not Adopted as of December 31, 2015	Accounting Standards Not Yet Required to be Adopted as of December 31, 2015 In May 2014, the FASB issued guidance that improves the revenue recognition requirements for contracts with customers. The core principle is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In August 2015, the FASB delayed the effective date for this guidance for one year to fiscal years beginning after December 15, 2017, and we do not expect this to have a significant impact on our financial statements. In June 2014, the FASB issued guidance that clarifies the accounting for share-based payments granted to employees in which the terms of the award provide that a performance target, that affects vesting, could be achieved after the requisite service period. The amendments require that those performance targets should be treated as performance conditions. The guidance becomes effective for us on January 1, 2016, with early adoption permitted, and we do not expect this to have a significant impact on our financial statements. In August 2014, the FASB issued guidance on determining when and how to disclose going-concern uncertainties in the financial statements. The new standard requires management to perform interim and annual assessments of an entity’s ability to continue as a going concern within one year of the date the financial statements are issued. An entity must provide certain disclosures if “conditions or events raise substantial doubt about the entity’s ability to continue as a going concern.” The guidance applies to all entities and is effective for us for annual periods ending after December 15, 2016, and interim periods thereafter, with early adoption permitted, and we do not expect this to have a significant impact on our financial statements. In November 2014, the FASB issued guidance for determining whether the nature of the host contract within a hybrid instrument is more akin to debt or equity. The guidance requires evaluating the nature of the host contract by considering the economic characteristics and risks of the entire hybrid, including the embedded feature that is being evaluated for separation. The guidance becomes effective for us on January 1, 2016, and we do not expect this to have a significant impact on our financial statements. In January 2015, the FASB issued guidance that eliminates the concept of extraordinary items from GAAP. The guidance becomes effective for us on January 1, 2016 and may be applied on either a prospective or retrospective basis and we do not expect this to have a significant impact on our financial statements. In February 2015, the FASB issued guidance that amends existing standards regarding the evaluation of certain legal entities and their consolidation in the financial statements. The amendments modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities or voting interest entities and eliminate the presumption that a general partner should consolidate a limited partnership. The amendments also affect the consolidation analysis of reporting entities that are involved with variable interest entities and provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. The guidance becomes effective for us on January 1, 2016 and we do not expect this to have a significant impact on our financial statements. In April 2015, the FASB issued guidance that requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct reduction from the carrying amount of that debt liability, consistent with debt discounts. In August 2015, amendments were made to SEC paragraphs related to the presentation and subsequent measurement of debt issuance costs associated with line of credit arrangements. Given the absence of authoritative guidance within this accounting standard update for debt issuance costs related to line of credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and amortized ratably over the term of the line of credit arrangement, regardless of whether there are any outstanding borrowings on the line of credit arrangement. The guidance becomes effective for us on January 1, 2016, and we do not expect this to have a significant impact on our financial statements. In September 2015, the FASB issued guidance that requires an acquirer in a business combination to recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The guidance becomes effective for us on January 1, 2016, and we do not expect this to have a significant impact on our financial statements. In November 2015, the FASB issued guidance that requires deferred tax liabilities and assets to be classified as noncurrent in a classified statement of financial position. The guidance becomes effective for us on January 1, 2017, and we do not expect this to have a significant impact on our financial statements. In January 2016, the FASB issued guidance to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. Specifically the guidance (1) requires equity investments to be measured at fair value with changes in fair value recognized in earnings, (2) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment, (3) eliminates the requirement to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost, (4) requires the use of the exit price notion when measuring the fair value of financial instruments for disclosure purposes, (5) requires an entity to present separately in other comprehensive income the portion of the total change in fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option, (6) requires separate presentation of financial assets and liabilities by measurement category and form on the balance sheet or the notes to the financial statements, and (7) clarifies that the need for a valuation allowance on a deferred tax asset related to an available for sale security should be evaluated with other deferred tax assets. The guidance becomes effective for us on January 1, 2018 and we are currently evaluating the impact on our financial statements.
Pending Accounting Standards	Pending FASB Rule Proposals The FASB currently has two projects underway that could have a meaningful impact on bank financial statements, capital levels and regulatory capital ratios. The first project, which addresses the amount and timing of loss recognition for loans and investment securities, would generally result in an increase in overall allowance levels and lower capital levels. This project has been exposed for public comment three times since 2010. A final standard is expected to be issued in the first half of 2016 with an effective date of January 1, 2019 for calendar year entities. The second project relates to leases and requires an operating lease to be recognized on the balance sheet as a "right to use" asset and as a corresponding liability representing the obligation to pay rent. This project would result in an increase to assets and liabilities recognized and therefore increase risk-weighted assets for regulatory capital purposes. This project has been exposed for public comment twice since 2010. A final standard is expected to be issued in 2016 with an effective date of January 1, 2019 for calendar year entities. We are evaluating the projects as proposed and the possible range of impacts and will determine any impact of these projects to capital or future earnings once the final rules are issued.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
The amortized cost, gross unrealized gains and losses, and approximate fair value of investment securities	The amortized cost, gross unrealized gains and losses, and fair value of our investment securities are as follows at December 31: Amortized Unrealized Unrealized Fair 2015 cost gains losses value Investment securities available for sale: Debt securities: States and political subdivisions $ 374 $ 5 $ — $ 379 U.S. Treasury 55 — — 55 U.S. government sponsored enterprises 268 2 (2 ) 269 Corporate 828 7 (34 ) 801 Total debt securities 1,525 15 (36 ) 1,504 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 27 — (1 ) 26 Federal National Mortgage Association 68 3 — 71 Federal Home Loan Mortgage Corporation 84 4 — 87 Collateralized mortgage obligations: Government National Mortgage Association 94 — (1 ) 94 Federal National Mortgage Association 738 1 (9 ) 730 Federal Home Loan Mortgage Corporation 359 1 (4 ) 355 Total collateralized mortgage obligations 1,191 2 (14 ) 1,179 Total residential mortgage-backed securities 1,369 10 (15 ) 1,364 Commercial mortgage-backed securities, non-agency issued 1,067 17 — 1,085 Total mortgage-backed securities 2,437 27 (15 ) 2,449 Collateralized loan obligations, non-agency issued 1,192 5 (11 ) 1,186 Asset-backed securities collateralized by: Student loans 170 2 — 171 Credit cards 20 — — 20 Auto loans 66 — — 66 Other 53 — — 53 Total asset-backed securities 309 3 (1 ) 310 Other 22 — — 22 Total securities available for sale $ 5,485 $ 49 $ (63 ) $ 5,471 Investment securities held to maturity: Debt securities, U.S. government agencies $ 42 $ — $ — $ 42 Residential mortgage-backed securities: Government National Mortgage Association 17 — — 17 Federal National Mortgage Association 93 — (1 ) 92 Federal Home Loan Mortgage Corporation 50 — — 50 Collateralized mortgage obligations: Government National Mortgage Association 1,571 14 (6 ) 1,579 Federal National Mortgage Association 2,297 8 (26 ) 2,279 Federal Home Loan Mortgage Corporation 2,318 20 (19 ) 2,319 Total collateralized mortgage obligations 6,186 42 (51 ) 6,177 Total residential mortgage-backed securities 6,345 43 (53 ) 6,336 Total securities held to maturity $ 6,388 $ 43 $ (53 ) $ 6,378 Amortized Unrealized Unrealized Fair 2014 cost gains losses value Investment securities available for sale: Debt securities: States and political subdivisions $ 444 $ 10 $ — $ 453 U.S. Treasury 25 — — 25 U.S. government sponsored enterprises 187 5 — 191 Corporate 820 15 (12 ) 823 Total debt securities 1,476 29 (12 ) 1,492 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 34 1 (1 ) 34 Federal National Mortgage Association 96 5 — 100 Federal Home Loan Mortgage Corporation 115 5 — 120 Collateralized mortgage obligations: Federal National Mortgage Association 694 2 (13 ) 682 Federal Home Loan Mortgage Corporation 353 1 (4 ) 350 Total collateralized mortgage obligations 1,047 3 (18 ) 1,032 Total residential mortgage-backed securities 1,291 13 (19 ) 1,286 Commercial mortgage-backed securities, non-agency issued 1,450 51 — 1,500 Total mortgage-backed securities 2,741 64 (19 ) 2,786 Collateralized loan obligations, non-agency issued 1,001 18 (3 ) 1,016 Asset-backed securities collateralized by: Student loans 228 7 — 235 Credit cards 42 — — 42 Auto loans 193 1 — 194 Other 127 1 (1 ) 127 Total asset-backed securities 591 9 (1 ) 599 Other 22 — — 22 Total securities available for sale $ 5,830 $ 121 $ (35 ) $ 5,915 Investment securities held to maturity: Debt securities, U.S. government agencies $ 60 $ — $ — $ 60 Residential mortgage-backed securities: Government National Mortgage Association 12 — — 12 Federal National Mortgage Association 118 1 (1 ) 118 Federal Home Loan Mortgage Corporation 65 1 — 65 Collateralized mortgage obligations: Government National Mortgage Association 1,755 27 (3 ) 1,779 Federal National Mortgage Association 1,965 11 (22 ) 1,954 Federal Home Loan Mortgage Corporation 1,967 25 (17 ) 1,976 Total collateralized mortgage obligations 5,687 63 (41 ) 5,709 Total residential mortgage-backed securities 5,882 64 (42 ) 5,904 Total securities held to maturity $ 5,942 $ 64 $ (42 ) $ 5,964
Available for Sale Securities and Held to Maturity Securities Continuous Unrealized Loss Position	The table below details certain information regarding our investment securities that were in an unrealized loss position at the dates indicated by the length of time those securities were in a continuous loss position: Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 value losses Count value losses Count value losses Count Investment securities available for sale: Debt securities: States and political subdivisions $ 22 $ — 32 $ 2 $ — 3 $ 24 $ — 35 U.S. Treasury 30 — 2 — — — 30 — 2 U.S. government sponsored enterprises 132 (2 ) 15 — — 1 132 (2 ) 16 Corporate 311 (16 ) 195 102 (18 ) 71 413 (34 ) 266 Total debt securities 495 (18 ) 244 104 (18 ) 75 599 (36 ) 319 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 1 — 6 17 (1 ) 5 18 (1 ) 11 Federal National Mortgage Association — — — — — 1 — — 1 Federal Home Loan Mortgage Corporation — — 1 — — — — — 1 Collateralized mortgage obligations: Government National Mortgage Association 94 (1 ) 4 — — — 94 (1 ) 4 Federal National Mortgage Association 326 (3 ) 26 166 (6 ) 10 492 (9 ) 36 Federal Home Loan Mortgage Corporation 212 (3 ) 14 39 (2 ) 2 251 (4 ) 16 Total collateralized mortgage obligations 631 (6 ) 44 205 (8 ) 12 836 (14 ) 56 Total residential mortgage-backed securities 632 (6 ) 51 222 (8 ) 18 854 (15 ) 69 Commercial mortgage-backed securities, non-agency issued 35 — 6 — — — 35 — 6 Total mortgage-backed securities 667 (6 ) 57 222 (8 ) 18 889 (15 ) 75 Collateralized loan obligations, non-agency issued 698 (10 ) 68 154 (1 ) 18 852 (11 ) 86 Asset-backed securities collateralized by: Student loans 27 — 6 9 — 2 36 — 8 Credit card 8 — 1 — — — 8 — 1 Auto loans 2 — 2 — — — 2 — 2 Other 33 — 5 — — — 33 — 5 Total asset-backed securities 71 (1 ) 14 9 — 2 79 (1 ) 16 Other 12 — 2 9 — 3 21 — 5 Total securities available for sale in an unrealized loss position $ 1,942 $ (35 ) 385 $ 498 $ (28 ) 116 $ 2,441 $ (63 ) 501 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 value losses Count value losses Count value losses Count Investment securities held to maturity: Debt securities, U.S. government agencies $ 20 $ — 1 $ — $ — — $ 20 $ — 1 Residential mortgage-backed securities: Government National Mortgage Association 6 — 4 — — 1 7 — 5 Federal National Mortgage Association 35 — 14 27 (1 ) 9 62 (1 ) 23 Federal Home Loan Mortgage Corporation 31 — 13 4 — 2 35 — 15 Collateralized mortgage obligations: Government National Mortgage Association 675 (5 ) 85 63 (1 ) 22 738 (6 ) 107 Federal National Mortgage Association 946 (13 ) 57 398 (13 ) 27 1,345 (26 ) 84 Federal Home Loan Mortgage Corporation 1,019 (10 ) 66 310 (9 ) 24 1,329 (19 ) 90 Total collateralized mortgage obligations 2,641 (28 ) 208 771 (23 ) 73 3,412 (51 ) 281 Total residential mortgage-backed securities 2,713 (29 ) 239 803 (24 ) 85 3,516 (53 ) 324 Total securities held to maturity in an unrealized loss position $ 2,733 $ (29 ) 240 $ 803 $ (24 ) 85 $ 3,535 $ (53 ) 325 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 value losses Count value losses Count value losses Count Investment securities available for sale: Debt securities: States and political subdivisions $ 16 $ — 22 $ 1 $ — 5 $ 17 $ — 27 U.S. Treasury 5 — 1 — — — 5 — 1 U.S. government sponsored enterprises 18 — 7 42 — 4 60 — 11 Corporate 176 (7 ) 127 102 (5 ) 61 278 (12 ) 188 Total debt securities 215 (7 ) 157 145 (5 ) 70 360 (12 ) 227 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association — — — 19 (1 ) 5 19 (1 ) 5 Collateralized mortgage obligations: Federal National Mortgage Association 26 — 3 517 (13 ) 30 542 (13 ) 33 Federal Home Loan Mortgage Corporation 47 — 3 216 (4 ) 12 263 (4 ) 15 Total collateralized mortgage obligations 73 — 6 733 (18 ) 42 806 (18 ) 48 Total residential mortgage-backed securities 73 — 6 752 (19 ) 47 825 (19 ) 53 Commercial mortgage-backed securities, non-agency issued 13 — 3 24 — 3 36 — 6 Total mortgage-backed securities 85 — 9 776 (19 ) 50 861 (19 ) 59 Collateralized loan obligations, non-agency issued 276 (2 ) 32 146 (1 ) 15 422 (3 ) 47 Asset-backed securities collateralized by: Student loans 26 — 4 2 — 2 28 — 6 Credit card 8 — 1 — — — 8 — 1 Auto loans 3 — 2 — — — 3 — 2 Other — — 1 52 (1 ) 5 52 (1 ) 6 Total asset-backed securities 37 — 8 55 (1 ) 7 92 (1 ) 15 Other — — — 9 — 3 9 — 3 Total securities available for sale in an unrealized loss position $ 614 $ (10 ) 206 $ 1,130 $ (26 ) 145 $ 1,744 $ (35 ) 351 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2014 value losses Count value losses Count value losses Count Investment securities held to maturity: Debt securities, U.S. government agencies $ 38 $ — 5 $ — $ — — $ 38 $ — 5 Residential mortgage-backed securities: Government National Mortgage Association — — — 2 — 2 2 — 2 Federal National Mortgage Association 4 — 1 51 (1 ) 12 55 (1 ) 13 Federal Home Loan Mortgage Corporation 33 — 9 9 — 2 42 — 11 Collateralized mortgage obligations: Government National Mortgage Association 360 (2 ) 48 46 (1 ) 12 407 (3 ) 60 Federal National Mortgage Association 240 (1 ) 18 648 (21 ) 36 888 (22 ) 54 Federal Home Loan Mortgage Corporation 422 (5 ) 27 463 (12 ) 28 885 (17 ) 55 Total collateralized mortgage obligations 1,022 (8 ) 93 1,157 (34 ) 76 2,179 (41 ) 169 Total residential mortgage-backed securities 1,059 (8 ) 103 1,219 (35 ) 92 2,278 (42 ) 195 Total securities held to maturity in an unrealized loss position $ 1,097 $ (8 ) 108 $ 1,219 $ (35 ) 92 $ 2,316 $ (42 ) 200
Scheduled contractual maturities of investment securities	Scheduled contractual maturities of our investment securities were as follows at December 31, 2015 : Amortized cost Fair value Debt securities: Within one year $ 321 $ 324 After one year through five years 552 552 After five years through ten years 685 660 After ten years 9 9 Total debt securities 1,568 1,546 Mortgage-backed securities 8,782 8,785 Collateralized loan obligations 1,192 1,186 Asset-backed securities 309 310 Other 22 22 $ 11,873 $ 11,849

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Summary of loans and leases	Our loans and leases receivable consisted of the following at December 31: 2015 2014 Originated Acquired Total Originated Acquired Total Commercial: Real estate $ 6,539 $ 835 $ 7,375 $ 6,181 $ 1,050 $ 7,231 Construction 1,278 — 1,278 973 1 973 Business 5,853 160 6,013 5,430 345 5,775 Total commercial 13,670 996 14,665 12,584 1,395 13,979 Consumer: Residential real estate 2,349 1,005 3,355 2,096 1,257 3,353 Home equity 2,133 936 3,069 1,847 1,089 2,936 Indirect auto 2,393 — 2,393 2,166 — 2,166 Credit cards 311 — 311 324 — 324 Other consumer 245 — 245 278 — 278 Total consumer 7,431 1,941 9,372 6,711 2,347 9,058 Total loans and leases 21,101 2,937 24,038 19,296 3,742 23,037 Allowance for loan losses (237 ) (5 ) (242 ) (228 ) (6 ) (234 ) Total loans and leases, net $ 20,864 $ 2,932 $ 23,796 $ 19,067 $ 3,736 $ 22,803
The outstanding principal balance and the related carrying amount of acquired loans	The outstanding principal balance and the related carrying amount of our acquired loans included in our Consolidated Statements of Condition were as follows at December 31: 2015 2014 Credit impaired acquired loans evaluated individually for future credit losses Outstanding principal balance $ 5 $ 10 Carrying amount 5 6 Acquired loans evaluated collectively for future credit losses Outstanding principal balance 1,918 2,549 Carrying amount 1,883 2,496 Other acquired loans Outstanding principal balance 1,069 1,274 Carrying amount 1,049 1,240 Total acquired loans Outstanding principal balance 2,992 3,832 Carrying amount 2,937 3,742
Changes in the accretable discount on loans acquired	The following table presents changes in the accretable yield, which includes income recognized from contractual interest cash flows, for the dates indicated. Acquired lines of credit accounted for under ASC 310-20 are not included in this table. Balance at January 1, 2014 $ (851 ) Net reclassifications from nonaccretable yield (5 ) Accretion 138 Other (1) 55 Balance at December 31, 2014 (663 ) Net reclassifications from nonaccretable yield (9 ) Accretion 104 Balance at December 31, 2015 $ (569 )
Activity in the allowance for credit losses for the years ended	The following table presents the activity in our allowance for loan losses on originated loans and related recorded investment of the associated loans in our originated loan portfolio segment for the years ended December 31: Commercial Consumer Originated loans Real estate Business Residential Home equity Indirect auto Credit cards Other consumer Total 2015 Allowance for loan losses: Balance at beginning of year $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Provision for loan losses 24 26 — 1 5 10 7 74 Charge-offs (19 ) (30 ) (1 ) (4 ) (9 ) (12 ) (8 ) (83 ) Recoveries 5 5 — 1 2 3 1 18 Balance at end of year $ 75 $ 124 $ 2 $ 6 $ 13 $ 13 $ 5 $ 237 Allowance for loan losses: Individually evaluated for impairment $ 2 $ 7 $ — $ — $ — $ — $ — $ 10 Collectively evaluated for impairment 73 117 1 6 13 13 5 227 Total $ 75 $ 124 $ 2 $ 6 $ 13 $ 13 $ 5 $ 237 Loans receivable: Balance at end of year Individually evaluated for impairment $ 47 $ 69 $ 22 $ 17 $ 4 $ — $ 2 $ 162 Collectively evaluated for impairment 7,770 5,784 2,327 2,117 2,389 311 242 20,940 Total $ 7,817 $ 5,853 $ 2,349 $ 2,133 $ 2,393 $ 311 $ 245 $ 21,101 2014 Allowance for loan losses: Balance at beginning of year $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Provision for loan losses 23 30 1 4 11 10 6 85 Charge-offs (10 ) (30 ) (1 ) (4 ) (9 ) (13 ) (8 ) (75 ) Recoveries 4 3 — 1 1 2 1 13 Balance at end of year $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Allowance for loan losses: Individually evaluated for impairment $ 2 $ 2 $ 1 $ 1 $ — $ — $ — $ 6 Collectively evaluated for impairment 63 120 1 7 14 12 5 222 Total $ 65 $ 122 $ 2 $ 8 $ 14 $ 12 $ 5 $ 228 Loans receivable: Balance at end of year Individually evaluated for impairment $ 64 $ 61 $ 20 $ 7 $ 2 $ — $ 2 $ 156 Collectively evaluated for impairment 7,089 5,370 2,076 1,840 2,164 324 276 19,139 Total $ 7,154 $ 5,430 $ 2,096 $ 1,847 $ 2,166 $ 324 $ 278 $ 19,296 Commercial Consumer Originated loans Real estate Business Residential Home Equity Indirect auto Credit cards Other Consumer Total 2013 Allowance for loan losses: Balance at beginning of year $ 38 $ 99 $ 5 $ 5 $ 3 $ 7 $ 5 $ 161 Provision for loan losses 17 48 (1 ) 6 9 11 8 96 Charge-offs (10 ) (31 ) (2 ) (3 ) (3 ) (6 ) (8 ) (63 ) Recoveries 4 3 1 — 1 1 2 11 Balance at end of year $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Allowance for loan losses: Individually evaluated for impairment $ 4 $ 2 $ 1 $ 3 $ — $ — $ — $ 9 Collectively evaluated for impairment 44 117 1 4 10 13 6 196 Total $ 48 $ 119 $ 2 $ 7 $ 10 $ 13 $ 6 $ 205 Loans receivable: Balance at end of year Individually evaluated for impairment $ 72 $ 59 $ 20 $ 8 $ 1 $ — $ 3 $ 163 Collectively evaluated for impairment 6,282 4,818 1,882 1,610 1,543 325 299 16,759 Total $ 6,354 $ 4,876 $ 1,902 $ 1,618 $ 1,544 $ 325 $ 302 $ 16,922 The following table presents the activity in our allowance for loan losses and related recorded investment of the associated loans in our acquired loan portfolio for the years ended December 31: Commercial Consumer Acquired loans Real estate Business Residential Home equity Credit cards Other consumer Total 2015 Allowance for loan losses: Balance at beginning of year $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Provision for loan losses 2 — — 1 — — 3 Charge-offs (2 ) — — (2 ) — — (5 ) Recoveries 1 — — — — — 1 Balance at end of year $ 1 $ — $ 2 $ 2 $ — $ — $ 5 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 1 — 2 2 — — 5 Total $ 1 $ — $ 2 $ 2 $ — $ — $ 5 Loans receivable: Balance at end of year Individually evaluated for impairment $ — $ — $ — $ 4 $ — $ — $ 4 Collectively evaluated for impairment — 160 — 885 — — 1,045 Loans acquired with deteriorated credit quality 835 — 1,005 47 — — 1,888 Total $ 835 $ 160 $ 1,005 $ 936 $ — $ — $ 2,937 2014 Allowance for loan losses: Balance at beginning of year $ — $ — $ 1 $ 3 $ — $ — $ 4 Provision for loan losses 3 1 1 3 — — 8 Charge-offs (2 ) — — (4 ) — — (6 ) Recoveries — — — — — — — Balance at end of year $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment 1 1 2 2 — — 6 Total $ 1 $ 1 $ 2 $ 2 $ — $ — $ 6 Loans receivable: Balance at end of year Individually evaluated for impairment $ — $ 3 $ — $ 4 $ — $ — $ 7 Collectively evaluated for impairment — 269 — 964 — — 1,233 Loans acquired with deteriorated credit quality 1,050 73 1,257 122 — — 2,502 Total $ 1,050 $ 345 $ 1,257 $ 1,089 $ — $ — $ 3,742 Commercial Consumer Acquired loans Real estate Business Residential Home equity Credit cards Other consumer Total 2013 Allowance for loan losses: Balance at beginning of year $ — $ — $ — $ — $ — $ 1 $ 2 Provision for loan losses 4 — 1 3 — (1 ) 7 Charge-offs (4 ) — — — — (1 ) (5 ) Recoveries — — — — — — — Balance at end of year $ — $ — $ 1 $ 3 $ — $ — $ 4 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — $ — $ — $ — Collectively evaluated for impairment — — 1 3 — — 4 Total $ — $ — $ 1 $ 3 $ — $ — $ 4 Loans receivable: Balance at end of year Individually evaluated for impairment $ 1 $ 7 $ — $ 1 $ — $ — $ 10 Collectively evaluated for impairment — 305 — 960 — — 1,264 Loans acquired with deteriorated credit quality 1,423 102 1,546 173 — — 3,244 Total $ 1,423 $ 414 $ 1,546 $ 1,134 $ — $ — $ 4,517
Summary of nonaccruing loans	Our nonperforming loans consisted of the following at December 31: 2015 2014 Originated Acquired Total Originated Acquired Total Commercial: Real estate $ 44 $ — $ 44 $ 53 $ — $ 53 Business 56 1 58 45 7 53 Total commercial 101 1 102 98 7 106 Consumer: Residential real estate 32 — 32 34 — 34 Home equity 36 24 59 24 23 47 Indirect auto 15 — 15 13 — 13 Other consumer 5 — 5 5 — 5 Total consumer 87 24 111 75 23 98 Total $ 188 $ 25 $ 214 $ 174 $ 30 $ 204
Details of additional information on loans	The table below provides information about the interest income that would have been recognized if our nonperforming loans had performed in accordance with terms for the years ending December 31: 2015 2014 2013 Additional interest income that would have been recorded if nonperforming loans had performed in accordance with original terms $ 12 $ 8 $ 7
Summary of originated impaired loans	The recorded investment of our impaired loans, less any related allowance for loan losses, was 64% and 70% of the loans’ unpaid principal balance at December 31, 2015 and 2014 , respectively. 2015 2014 Originated loans Recorded investment Unpaid principal balance Related allowance Recorded investment Unpaid principal balance Related allowance With no related allowance recorded: Commercial: Real estate $ 17 $ 35 $ — $ 40 $ 59 $ — Business 37 80 — 29 51 — Total commercial 54 115 — 69 110 — Consumer: Residential real estate 16 19 — 8 9 — Home equity 12 15 — 3 4 — Indirect auto 3 4 — 2 3 — Other consumer 2 2 — 2 2 — Total consumer 32 40 — 16 18 — Total $ 86 $ 155 $ — $ 85 $ 128 $ — With a related allowance recorded: Commercial: Real estate $ 31 $ 38 $ 2 $ 24 $ 27 $ 2 Business 32 33 7 32 43 2 Total commercial 63 71 9 56 70 4 Consumer: Residential real estate 6 6 — 11 13 1 Home equity 5 5 — 4 4 1 Indirect auto 1 1 — — — — Other consumer 1 1 — — — — Total consumer 13 13 — 16 17 2 Total $ 76 $ 84 $ 10 $ 71 $ 87 $ 6 Total Commercial: Real estate $ 47 $ 72 $ 2 $ 64 $ 86 $ 2 Business 69 113 7 61 93 2 Total commercial 116 186 9 125 179 4 Consumer: Residential real estate 22 25 — 20 22 1 Home equity 17 20 — 7 8 1 Indirect auto 4 6 — 2 3 — Other consumer 2 3 — 2 2 — Total consumer 45 53 — 31 36 2 Total $ 162 $ 239 $ 10 $ 156 $ 215 $ 6 The following table provides information about our impaired acquired loans with no related allowance at December 31. There were no impaired acquired loans with a related allowance at the dates indicated. The remaining credit mark is considered adequate to cover any loss on these balances. 2015 2014 Acquired loans Recorded Unpaid principal balance Related Recorded Unpaid principal balance Related Commercial: Real estate $ — $ — $ — $ — $ — $ — Business — — — 3 3 — Total commercial — — — 3 3 — Consumer: Residential real estate — — — — — — Home equity 4 6 — 4 6 — Other consumer — — — — — — Total consumer 4 6 — 4 6 — Total (1) $ 4 $ 6 $ — $ 7 $ 9 $ — (1) Includes nonperforming purchased credit impaired loans. The following table provides information about our impaired originated loans including the average recorded investment and interest income recognized on impaired loans for the years ended December 31: 2015 2014 2013 Originated loans Average recorded investment Interest income recognized Average recorded investment Interest income recognized Average recorded investment Interest income recognized Commercial: Real estate $ 59 $ 1 $ 69 $ 1 $ 80 $ 1 Business 104 2 53 1 63 1 Total commercial 163 3 122 3 142 2 Consumer: Residential real estate 22 1 21 — 20 — Home equity 13 1 5 — 5 — Indirect auto 5 — 3 — 1 — Other consumer 3 — 3 — 3 — Total consumer 43 3 31 — 29 1 Total $ 205 $ 5 $ 153 $ 3 $ 172 $ 3 The following table provides information about our impaired acquired loans including the average recorded investment and interest income recognized on impaired loans for the years ended December 31: 2015 2014 2013 Acquired loans Average Interest Average Interest Average Interest Commercial: Real estate $ — $ — $ — $ — $ 1 $ — Business — — 2 — 7 — Total commercial — — 2 — 8 — Consumer: Residential real estate — — — — — — Home equity 1 — 1 — — — Other consumer — — — — — — Total consumer 1 — 1 — — — Total (1) $ 1 $ — $ 3 $ — $ 9 $ — (1) Includes nonperforming purchased credit impaired loans.
Reconciliation between nonaccrual loans and impaired loans	The following table is a reconciliation between nonperforming loans and impaired loans at December 31: 2015 2014 Commercial Consumer Total Commercial Consumer Total Nonperforming loans $ 102 $ 111 $ 214 $ 106 $ 98 $ 204 Plus: Accruing TDRs 49 13 63 59 8 67 Less: Smaller balance nonperforming loans evaluated collectively when determining the allowance for loan losses (35 ) (75 ) (110 ) (36 ) (71 ) (108 ) Total impaired loans (1) $ 116 $ 50 $ 166 $ 128 $ 35 $ 163 (1) Includes nonperforming purchased credit impaired loans.
Aging analysis of loans	The following table contains an aging analysis of our loans by class at December 31: 30-59 days 60-89 days Greater than Total Current Total loans Greater than (1) 2015 Originated loans Commercial: Real estate $ 8 $ 2 $ 29 $ 39 $ 7,778 $ 7,817 $ — Business 26 3 23 51 5,802 5,853 — Total commercial 34 5 52 90 13,580 13,670 — Consumer: Residential real estate 5 1 20 26 2,323 2,349 — Home equity 3 2 22 26 2,107 2,133 — Indirect auto 20 4 6 30 2,364 2,393 — Credit cards 2 1 2 5 306 311 2 Other consumer 2 1 3 6 239 245 — Total consumer 31 9 53 92 7,339 7,431 2 Total $ 64 $ 13 $ 104 $ 182 $ 20,919 $ 21,101 $ 3 Acquired loans Commercial: Real estate $ 2 $ 1 $ 20 $ 23 $ 812 $ 835 $ 20 Business — — 1 2 159 160 — Total commercial 3 1 21 25 971 996 20 Consumer: Residential real estate 12 5 43 60 945 1,005 43 Home equity 3 1 18 22 914 936 1 Total consumer 15 6 61 82 1,859 1,941 45 Total $ 18 $ 7 $ 82 $ 107 $ 2,830 $ 2,937 $ 65 2014 Originated loans Commercial: Real estate $ 7 $ 2 $ 31 $ 40 $ 7,113 $ 7,154 $ — Business 5 7 17 28 5,402 5,430 — Total commercial 11 9 49 69 12,515 12,584 — Consumer: Residential real estate 4 2 21 27 2,069 2,096 — Home equity 3 1 15 19 1,828 1,847 — Indirect auto 17 4 5 27 2,139 2,166 — Credit cards 2 2 2 6 318 324 2 Other consumer 3 1 3 7 271 278 — Total consumer 29 10 46 85 6,626 6,711 2 Total $ 41 $ 19 $ 95 $ 154 $ 19,141 $ 19,296 $ 3 Acquired loans Commercial: Real estate $ 3 $ 3 $ 26 $ 31 $ 1,019 $ 1,050 $ 26 Business — — 7 7 338 345 4 Total commercial 3 3 33 38 1,357 1,395 30 Consumer: Residential real estate 11 5 56 72 1,186 1,257 56 Home equity 6 2 21 29 1,060 1,089 6 Total consumer 17 7 77 101 2,246 2,347 62 Total $ 21 $ 9 $ 109 $ 139 $ 3,603 $ 3,742 $ 91 (1) Includes credit card loans, loans that have matured and are in the process of collection, and acquired loans that were originally recorded at fair value upon acquisition. Acquired loans are considered to be accruing as we can reasonably estimate future cash flows on these acquired loans and we expect to fully collect the carrying value of these loans net of the allowance for acquired loan losses. Therefore, we are accreting the difference between the carrying value of these loans and their expected cash flows into interest income.
Information about the credit quality of our commercial loan portfolio	he following table presents information about the credit quality of our commercial loan portfolio at December 31: Real estate Business Total Percent of total 2015 Originated loans: Pass $ 7,510 $ 5,488 $ 12,998 95.1 % Criticized: (1) Accrual 262 308 571 4.2 % Nonaccrual 44 56 101 0.7 % Total criticized 307 365 672 4.9 % Total $ 7,817 $ 5,853 $ 13,670 100.0 % Acquired loans: Pass $ 748 $ 133 $ 881 88.5 % Criticized: (1) Accrual 87 26 113 11.4 % Nonaccrual — 1 1 0.1 % Total criticized 87 27 114 11.5 % Total $ 835 $ 160 $ 996 100.0 % 2014 Originated loans: Pass $ 6,791 $ 5,067 $ 11,858 94.2 % Criticized: (1) Accrual 310 318 628 5.0 % Nonaccrual 53 45 98 0.8 % Total criticized 363 363 726 5.8 % Total $ 7,154 $ 5,430 $ 12,584 100.0 % Acquired loans: Pass $ 948 $ 294 $ 1,243 89.1 % Criticized: (1) Accrual 102 43 145 10.4 % Nonaccrual — 7 7 0.5 % Total criticized 102 51 153 10.9 % Total $ 1,050 $ 345 $ 1,395 100.0 % (1) Includes special mention, substandard, doubtful, and loss, which are consistent with regulatory definitions, and as described in Part I, Item 1, “Business,” under the heading “Asset Quality Review.”
Information about the credit quality of our consumer loan portfolio	The scores are obtained from a nationally recognized consumer rating agency and are presented in the table below at December 31: Residential real estate Home equity Indirect Auto Credit cards Other consumer Total Percent of total 2015 Originated loans by refreshed FICO score: Over 700 $ 2,084 $ 1,767 $ 1,700 $ 220 $ 161 $ 5,932 79.8 % 660-700 139 197 364 50 41 791 10.7 620-660 60 85 177 23 21 365 4.9 580-620 30 39 74 10 12 166 2.2 Less than 580 31 44 78 7 10 169 2.3 No score (1) 4 2 — 2 — 8 0.1 Total $ 2,349 $ 2,133 $ 2,393 $ 311 $ 245 $ 7,431 100.0 % Acquired loans by refreshed FICO score: Over 700 $ 682 $ 750 $ — $ — $ — $ 1,432 73.8 % 660-700 77 76 — — — 154 7.9 620-660 59 42 — — — 100 5.2 580-620 43 29 — — — 72 3.7 Less than 580 44 24 — — — 68 3.5 No score (1) 100 16 — — — 115 5.9 Total $ 1,005 $ 936 $ — $ — $ — $ 1,941 100.0 % 2014 Originated loans by refreshed FICO score: Over 700 $ 1,841 $ 1,529 $ 1,533 $ 226 $ 167 $ 5,296 78.9 % 660-700 124 182 347 53 46 752 11.2 620-660 62 71 159 24 24 339 5.0 580-620 28 31 64 11 13 148 2.2 Less than 580 32 32 63 8 12 146 2.2 No score (1) 9 1 — 3 17 31 0.5 Total $ 2,096 $ 1,847 $ 2,166 $ 324 $ 278 $ 6,711 100.0 % Acquired loans by refreshed FICO score: Over 700 $ 872 $ 851 $ — $ — $ — $ 1,723 73.4 % 660-700 87 93 — — — 180 7.7 620-660 61 52 — — — 113 4.8 580-620 49 40 — — — 88 3.8 Less than 580 57 34 — — — 91 3.9 No score (1) 131 20 — — — 151 6.4 Total $ 1,257 $ 1,089 $ — $ — $ — $ 2,347 100.0 % (1) Primarily includes loans that are serviced by others for which refreshed FICO scores were not available as of the date indicated.
Aggregate recorded investment of impaired loans with terms through troubled debt restructuring	The following table details additional information about our TDRs at December 31: 2015 2014 2013 Aggregate recorded investment of impaired loans with terms modified through a troubled debt restructuring: Accruing interest $ 63 $ 67 $ 52 Nonaccrual 52 53 56 Total troubled debt restructurings (1) $ 115 $ 120 $ 108 (1) Includes 102 and 87 acquired loans that were restructured with a recorded investment of $4 million at both December 31, 2015 and 2014 .
Schedule of financial effects of modifications made to restructured loans	The financial effects of our modifications are as follows for the years ended December 31: Type of Concession Count Postmodification recorded investment (1) Premodification allowance for loan losses Postmodification allowance for loan losses 2015 Commercial: Commercial real estate Extension of term 6 $ 5 $ — $ — Deferral of principal 8 15 — — Deferral of principal and extension of term 1 — — — Extension of term and rate reduction 1 — — — Commercial business Deferral of principal 1 1 — — Rate reduction 2 — — — Deferral of principal and extension of term 2 — — — Other 1 — — — Total commercial 22 21 — — Consumer: Residential real estate Extension of term 14 2 — — Rate reduction 8 1 — — Extension of term and rate reduction 10 1 — — Chapter 7 Bankruptcy 15 1 — — Home equity Extension of term 3 — — — Extension of term and rate reduction 5 — — — Chapter 7 Bankruptcy 93 6 — — Other 2 — — — Indirect auto Chapter 7 Bankruptcy 273 4 — — Type of Concession Count Postmodification recorded investment (1) Premodification allowance for loan losses Postmodification allowance for loan losses Other consumer Extension of term and rate reduction 1 — — — Chapter 7 Bankruptcy 12 — — — Total consumer 436 16 — — Total 458 $ 37 $ — $ — 2014 Commercial: Commercial real estate Extension of term 10 $ 20 $ 1 $ — Rate reduction 1 3 — 1 Extension of term and rate reduction 3 1 — — Commercial business Extension of term 15 32 6 1 Extension of term and rate reduction 2 — — — Total commercial 31 56 8 2 Consumer: Residential real estate Extension of term 6 1 — — Rate reduction 2 — — — Deferral of principal and extension of term 7 1 — — Extension of term and rate reduction 14 2 — — Chapter 7 Bankruptcy 14 1 — — Other 3 — — — Home equity Extension of term 3 — — — Deferral of principal and extension of term 2 — — — Extension of term and rate reduction 10 — — — Chapter 7 Bankruptcy 79 3 — — Other 18 1 — — Indirect auto Chapter 7 Bankruptcy 273 5 — — Other consumer Extension of term 1 — — — Chapter 7 Bankruptcy 33 — — — Total consumer 465 14 — — Total 496 $ 70 $ 8 $ 2 (1) Postmodification balances approximate premodification balances. The aggregate amount of charge-offs as a result of the restructurings was $3 million for the year ended December 31, 2015 and was not significant for the year ended December 31, 2014 .
Information about residential mortgage loans	The following table provides information about our residential mortgage banking activities at December 31: 2015 2014 2013 Loans classified as held for sale $ 46 $ 40 $ 50 Loans sold during the year 746 663 1,400 Gains on sale of loans, net 8 5 12 Mortgages serviced for others 4,023 3,841 3,665 Mortgage servicing asset recorded for loans serviced for others, net 38 37 35

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
A summary of our premises and equipment	The following table presents the composition of our premises and equipment at December 31: 2015 2014 Land $ 26 $ 29 Buildings and leasehold improvements 241 290 Furniture and equipment 417 339 Total 683 658 Accumulated depreciation (274 ) (251 ) Premises and equipment, net $ 410 $ 407

Goodwill and Other Intangible32

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Information regarding our goodwill	The following table shows information regarding our goodwill for the periods indicated: Banking Financial Consolidated Balances at January 1, 2014 $ 2,381 $ 68 $ 2,449 Acquisitions — 1 1 Impairment (1,100 ) — (1,100 ) Balances at December 31, 2014 1,281 69 1,350 Disposal — (2 ) (2 ) Balances at December 31, 2015 $ 1,281 $ 67 $ 1,348
Information regarding our amortizing intangible assets	The following table provides information regarding our amortizing intangible assets at December 31: 2015 2014 Core deposit intangible $ 191 $ 191 Accumulated amortization (170 ) (158 ) Net carrying amount 21 33 Customer lists 100 100 Accumulated amortization (73 ) (66 ) Net carrying amount 27 34 Total amortizing intangible assets, net $ 48 $ 67
Estimated future amortization expense for our amortizing intangible assets	The estimated future amortization expense for our amortizing intangible assets is as follows at December 31, 2015 : First quarter Second quarter Third quarter Fourth quarter Total 2016 $ 4 $ 3 $ 3 $ 3 $ 13 2017 3 3 3 3 12 2018 3 2 2 2 9 2019 2 1 1 1 5 2020 1 1 1 1 4 Thereafter 6

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	Our deposits consisted of the following at December 31: 2015 2014 Balance Weighted Balance Weighted Core deposits: Savings $ 3,390 0.09 % $ 3,452 0.09 % Interest-bearing checking 5,479 0.03 5,084 0.03 Money market deposits 10,654 0.29 9,962 0.22 Noninterest-bearing 5,835 — 5,407 — Total core deposits 25,357 0.14 23,906 0.11 Certificates 3,344 0.84 3,876 0.69 Total deposits $ 28,701 0.23 % $ 27,781 0.19 %
Interest expense on deposits	Interest expense on our deposits is summarized as follows for the years ended December 31: 2015 2014 2013 Certificates $ 31 $ 27 $ 26 Money market deposits 30 22 21 Savings 3 3 4 Interest-bearing checking 2 2 2 Total interest expense $ 66 $ 53 $ 53

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Summary of outstanding borrowings	Our outstanding borrowings are summarized as follows at December 31: 2015 2014 Short-term borrowings: FHLB advances $ 3,950 $ 5,049 Repurchase agreements 399 423 Total short-term borrowings 4,349 5,472 Long-term borrowings: FHLB advances 1,575 — Senior notes (maturing in 2020) 298 298 Subordinated notes (maturing in 2021) 299 298 Junior subordinated debentures (maturing between 2030 and 2037) 115 114 Other (maturing between 2015 and 2032) 21 23 Total long-term borrowings 2,308 734 Total borrowings $ 6,657 $ 6,206
Interest expense on borrowings	Interest expense on our borrowings is summarized as follows for the years ended December 31: 2015 2014 2013 FHLB advances $ 27 $ 19 $ 14 Repurchase agreements 1 1 1 Senior notes 21 21 21 Subordinated notes 23 23 23 Junior subordinated debentures 5 5 5 Total interest expense $ 76 $ 69 $ 64
Junior subordinated debentures	Trust Preferred Subordinated Debentures Maturity Interest rate Principal amount of subordinated debentures Principal amount of trust preferred securities (dollars in millions) HNC Statutory Trust III 2035 3 month LIBOR + 1.40% $ 26 $ 25 Willow Grove Statutory Trust I 2036 3 month LIBOR + 1.31% 26 25 HNC Statutory Trust IV 2037 3 month LIBOR + 1.28% 23 23 HNC Statutory Trust II 2034 3 month LIBOR + 2.70% 21 20 First Niagara Financial Group Statutory Trust I 2034 3 month LIBOR + 2.70% 12 12 Westbank Capital Trust II 2034 3 month LIBOR + 2.19% 9 9 Westbank Capital Trust III 2034 3 month LIBOR + 2.19% 9 9 East Penn Statutory Trust I 2033 3 month LIBOR + 3.10% 8 8 Harleysville Statutory Trust I 2031 10.20% 5 5 Alliance Capital Trust II 2030 10.88% 4 4 Total $ 142 $ 138
Aggregate maturities of our long term borrowings	The aggregate maturities of our long-term borrowings are as follows at December 31, 2015 (by year of maturity): 2016 $ 1,277 2017 302 2018 2 2019 2 2020 2 Thereafter 723 Total $ 2,308

Derivative Financial Instrume35

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative financial instruments	Our derivative positions include both instruments that are designated as hedging instruments and instruments that are customer related and not designated in hedging relationships. The following table presents information regarding our derivative financial instruments, at December 31: Asset derivatives Liability derivatives Notional amount Fair value (1) Notional amount Fair value (2) 2015 Derivatives designated as hedging instruments: Interest rate swap agreements $ 2 $ — $ 263 $ 4 Derivatives not designated as hedging instruments: Interest rate swap agreements 4,221 123 4,224 124 Total derivatives $ 4,224 $ 123 $ 4,487 $ 128 2014 Derivatives designated as hedging instruments: Interest rate swap agreements $ 4 $ — $ 30 $ 2 Derivatives not designated as hedging instruments: Interest rate swap agreements 3,629 96 3,649 96 Total derivatives $ 3,633 $ 96 $ 3,679 $ 97 (1) Represents gross amounts, included in Other Assets in our Consolidated Statements of Condition. (2) Represents gross amounts, included in Other Liabilities in our Consolidated Statements of Condition.
Amounts recognized for derivative financial instruments	The following table presents information about amounts recognized for our derivative financial instruments designated in cash flow hedging relationships for the years ended December 31: Cash Flow Hedges 2015 2014 2013 Interest rate swap agreements: Amount of (loss) gain on derivatives recognized in other comprehensive income, net of tax $ (1 ) $ 1 $ 1 Amount of (loss) on derivatives reclassified from other comprehensive income to income (1) (1 ) (1 ) (1 ) (1) Recognized in interest expense on borrowings in our Consolidated Statements of Income.

Commitments and Contingent Li36

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Loan commitments	Information pertaining to our loan commitments is as follows at December 31: 2015 2014 Outstanding commitments to originate loans: Fixed rate $ 252 $ 265 Variable rate 1,579 1,522 Total commitments outstanding $ 1,832 $ 1,787 Unused lines of credit $ 9,891 $ 9,319 Standby letters of credit 252 266 Commitments to sell residential mortgages 130 137
Future minimum lease payments	Our future minimum rental commitments for premises and equipment under non-cancelable operating leases and capital lease obligations are as follows at December 31: Operating leases Capital leases 2016 $ 35 $ 3 2017 31 3 2018 28 3 2019 26 3 2020 22 3 Thereafter 71 (1) 13 (2) (1) Thereafter through 2041. (2) Thereafter through 2032.

Capital (Tables)

Capital (Tables)	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Actual capital amounts ratios and requirements	The actual capital amounts, ratios, and requirements for First Niagara Financial Group, Inc. and First Niagara Bank, N.A. are as follows at December 31. Basel III Transitional rules became effective for us on January 1, 2015. Ratios and amounts presented as of December 31, 2014 are calculated under Basel I rules. As of December 31, 2015 , the ratios presented are calculated under the Basel III Standardized Transitional Approach. Common equity tier 1 capital under Basel III replaced Tier 1 common capital under Basel I. For capital adequacy Minimum amount to be Actual purposes well-capitalized Amount Ratio Amount Ratio Amount Ratio First Niagara Financial Group, Inc.: 2015 Leverage ratio $ 2,911 7.62 % $ 1,528 4.00 % $ 1,910 5.00 % Tier 1 risk-based capital 2,911 10.08 1,733 6.00 2,311 8.00 Total risk-based capital 3,468 12.01 2,310 8.00 2,888 10.00 Common equity tier 1 capital 2,470 8.55 1,300 4.50 1,878 6.50 2014 Leverage ratio $ 2,764 7.50 % $ 1,474 4.00 % $ 1,843 5.00 % Tier 1 risk-based capital 2,764 9.81 1,127 4.00 1,691 6.00 Total risk-based capital 3,313 11.75 2,256 8.00 2,819 10.00 Tier 1 common capital 2,312 8.20 N/A N/A N/A N/A First Niagara Bank, N.A.: 2015 Leverage ratio $ 3,070 8.05 % $ 1,525 4.00 % $ 1,907 5.00 % Tier 1 risk-based capital 3,070 10.65 1,729 6.00 2,306 8.00 Total risk-based capital 3,328 11.55 2,305 8.00 2,881 10.00 Common equity tier 1 capital 3,070 10.65 1,297 4.50 1,874 6.50 2014 Leverage ratio $ 2,949 8.01 % $ 1,473 4.00 % $ 1,841 5.00 % Tier 1 risk-based capital 2,949 10.48 1,126 4.00 1,688 6.00 Total risk-based capital 3,199 11.37 2,251 8.00 2,814 10.00

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Components of our income tax	The components of our income tax expense (benefit) are as follows for the years ended December 31: 2015 2014 2013 Current: Federal $ 69 $ 36 $ 119 State 3 4 4 72 41 123 Deferred taxes: Federal 5 (136 ) 3 State 1 (14 ) 1 6 (150 ) 5 Total income tax expense (benefit) $ 79 $ (109 ) $ 128
Summary Income tax expense	Our income tax expense (benefit) differs from our expected tax expense (benefit) (computed by applying the Federal corporate tax rate of 35% to income before income taxes) as follows for the years ended December 31: 2015 2014 2013 Tax expense (benefit) at statutory rate $ 106 $ (289 ) $ 148 Increase (decrease) attributable to: State income taxes, net of Federal benefit 3 (11 ) 4 Bank owned life insurance income (5 ) (5 ) (6 ) Tax exempt interest (13 ) (13 ) (11 ) Tax credits (11 ) (29 ) (13 ) Goodwill impairment — 259 — Subsidiary reorganization — (27 ) — Capital loss utilization (12 ) — — Other 10 5 6 Income tax expense (benefit) $ 79 $ (109 ) $ 128
Significant portions of deferred tax assets and deferred tax liabilities	The tax effects of our temporary differences that give rise to significant portions of our deferred tax assets and deferred tax liabilities are as follows at December 31: 2015 2014 Deferred tax assets: Net operating loss and other carryforwards $ 49 $ 56 Capital loss carryforward 33 44 Financial statement allowance for credit losses 108 112 Partnerships 15 9 Employee benefits 30 33 Other accrued expenses not currently deductible 23 20 Acquired intangibles 71 88 Nonperforming loan interest 15 14 Other 42 37 Total gross deferred tax assets 386 413 Valuation allowance (33 ) (44 ) Deferred tax liabilities: Unrealized gain on investment securities available for sale — (40 ) Leases (31 ) (32 ) Pension benefits (27 ) (22 ) Other (15 ) (20 ) Total gross deferred tax liabilities (73 ) (114 ) Net deferred tax asset $ 280 $ 255
Reconciliation of unrecognized tax benefits	A reconciliation of our unrecognized tax benefits is as follows for the years ended December 31: 2015 2014 2013 Balance at beginning of year $ 9 $ 6 $ 3 Additions based on tax positions related to the current year 1 2 1 Additions for tax positions of prior years 1 1 3 Reductions related to settlements with taxing authorities — — (1 ) Balance at end of year $ 10 $ 9 $ 6

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Computation of basic and diluted earnings per share using two-class method	The following table is a computation of our basic and diluted earnings per share using the two-class method for the years ended December 31: 2015 2014 2013 Net income (loss) available to common stockholders $ 193 $ (745 ) $ 265 Less income allocable to unvested restricted stock awards 2 1 1 Net income (loss) allocable to common stockholders $ 192 $ (746 ) $ 264 Weighted average common shares outstanding: Total shares issued 366 366 366 Unallocated employee stock ownership plan shares — (2 ) (2 ) Unvested restricted stock awards (3 ) (3 ) (2 ) Treasury shares (12 ) (11 ) (12 ) Total basic weighted average common shares outstanding 351 350 350 Effect of dilutive stock-based awards 2 — 1 Total diluted weighted average common shares outstanding 353 350 350 Basic earnings (loss) per common share $ 0.55 $ (2.13 ) $ 0.75 Diluted earnings (loss) per common share $ 0.54 $ (2.13 ) $ 0.75 Anti-dilutive stock-based awards excluded from the diluted weighted average common share calculations 7 11 11

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Equity [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the activity in our other comprehensive income for the years ended December 31: Pretax Income taxes Net 2015 Securities available for sale: Net unrealized holding losses arising during the year $ (99 ) $ (37 ) $ (62 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Amortization of net unrealized holding gains to income during the year (10 ) (4 ) (6 ) (1) Interest rate swaps designated as cash flow hedges: Net unrealized losses arising during the year (2 ) (1 ) (1 ) Reclassification adjustment for realized losses included in net income 1 — 1 (2) Net unrealized losses on interest rate swaps designated as cash flow hedges (1 ) — (1 ) Pension and post-retirement actuarial gains 16 4 12 Total other comprehensive loss $ (93 ) $ (37 ) $ (56 ) 2014 Securities available for sale: Net unrealized holding losses arising during the year $ (19 ) $ (7 ) $ (12 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Amortization of net unrealized holding gains to income during the year (13 ) (5 ) (8 ) (1) Interest rate swaps designated as cash flow hedges: Reclassification adjustment for realized losses included in net income 1 1 1 (2) Pension and post-retirement actuarial losses (51 ) (16 ) (34 ) Total other comprehensive loss $ (81 ) $ (27 ) $ (53 ) 2013 Securities available for sale: Net unrealized holding losses arising during the year $ (177 ) $ (68 ) $ (109 ) Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity (55 ) (21 ) (34 ) Net unrealized losses on securities available for sale (232 ) (89 ) (143 ) Net unrealized holding gains on securities transferred between available for sale and held to maturity: Net unrealized holding gains transferred during the year 55 21 34 Amortization of net unrealized holding gains to income during the year (20 ) (7 ) (12 ) (1) Net unrealized holding gains on securities transferred during the year 35 14 22 Interest rate swaps designated as cash flow hedges: Reclassification adjustment for realized losses included in net income 1 1 1 (2) Pension and post-retirement actuarial gains 40 15 25 Total other comprehensive loss $ (154 ) $ (59 ) $ (95 ) (1) Included in Interest income on investment securities and other in our Consolidated Statements of Operations. (2) Included in Interest expense on borrowings in our Consolidated Statements of Operations.
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents the activity in our accumulated other comprehensive income for the periods indicated: Net unrealized gains (losses) on securities available for sale Net unrealized (losses) gains on Unrealized loss on Pension and postretirement plans Total Balance, January 1, 2013 $ 207 $ (2 ) $ (6 ) $ (41 ) $ 157 Period change, net of tax (143 ) 22 1 25 (95 ) Balance, December 31, 2013 64 20 (6 ) (16 ) 62 Period change, net of tax (12 ) (8 ) 1 (34 ) (53 ) Balance, December 31, 2014 52 12 (5 ) (51 ) 9 Period change, net of tax (62 ) (6 ) (1 ) 12 (56 ) Balance, December 31, 2015 $ (10 ) $ 6 $ (6 ) $ (39 ) $ (48 )

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Option Activity	The following is a summary of our stock option activity for the year ended December 31, 2015 : Number of Weighted average Weighted average remaining Aggregate intrinsic value (1) Outstanding at January 1, 2015 10,879 $ 12.90 Exercised (322 ) 9.33 Expired (7,141 ) 13.20 Outstanding at December 31, 2015 3,416 $ 12.61 3.6 years $ 1 Exercisable at December 31, 2015 2,998 $ 13.09 3.0 years $ 1 (1) Intrinsic value is the difference between the fair value of our stock at December 31, 2015 and the exercise price of the stock award.
Nonvested Stock Option	The following is a summary of our nonvested stock option activity for the year ended December 31, 2015 : Number of shares (in thousands) Weighted average exercise price Weighted average grant date fair value Nonvested at January 1, 2015 748 $ 9.21 $ 2.54 Vested (330 ) 9.26 2.55 Nonvested at December 31, 2015 418 $ 9.17 $ 2.54
Summary of Stock Option Outstanding	The following is a summary of our stock options outstanding at December 31: Exercise price Options outstanding (in thousands) Weighted average exercise price Weighted average remaining life (years) Options exercisable (in thousands) Weighted average exercise price 2015 $8.86 – $10.00 893 $ 9.38 6.4 475 $ 9.57 $10.01 – $13.50 1,450 11.67 3.2 1,450 11.67 $13.51 – $15.50 945 14.30 2.1 945 14.30 $15.51 – $51.78 128 33.32 0.2 128 33.32 Total 3,416 12.61 3.6 2,998 13.09 2014 $8.86 – $12.00 2,135 $ 10.12 6.3 1,388 $ 10.61 $12.01 – $13.50 7,628 13.05 0.6 7,628 13.05 $13.51 – $15.50 965 14.31 3.0 965 14.31 $15.51 – $51.78 151 35.38 1.0 151 35.38 Total 10,879 12.90 2.0 10,132 13.17 2013 $8.86 – $12.00 1,835 $ 10.25 6.8 1,225 $ 10.80 $12.01 – $15.00 9,099 13.20 1.9 9,056 13.19 $15.01 – $18.00 42 15.25 0.5 42 15.25 $18.01 – $57.75 210 40.07 1.5 210 40.07 Total 11,186 13.23 2.7 10,533 13.46
Summary of Stock Option Granted and Weighted Average Assumption to Compute Fair Value of Options	The following is a summary of our stock options granted for the years ended December 31, as well as the weighted average assumptions that we utilized to compute the fair value of the options: 2015 2014 2013 Options granted (in thousands) — 505 434 Grant date weighted average fair value per stock option N/A $ 2.59 $ 2.36 Grant date weighted average share price N/A $ 9.27 $ 8.86 Dividend yield N/A 3.45 % 3.61 % Risk-free interest rate N/A 2.05 % 0.99 % Expected volatility factor N/A 38.59 % 40.70 % Expected life (in years) N/A 6.6 5.7
Summary of Restricted Stock Activity	The following is a summary of our restricted stock and restricted stock unit activity for 2015 : Number of Weighted average grant date fair value Unvested at January 1, 2015 2,701 $ 9.14 Awarded 1,890 9.08 Vested (926 ) 9.03 Forfeited (254 ) 9.06 Unvested at December 31, 2015 3,411 $ 9.11

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Change in projected benefit obligation	2015 2014 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 260 $ 214 Service cost 1 1 Interest cost 10 10 Actuarial (gain) loss (21 ) 49 Benefits paid (17 ) (15 ) Projected benefit obligation at end of year 232 260 Change in fair value of plan assets: Fair value of plan assets at beginning of year 296 290 Employer contributions 2 2 Actual return on plan assets 1 19 Benefits paid (17 ) (14 ) Fair value of plan assets at end of year 281 296 Overfunded status at year end $ 49 $ 36
Net pension cost	Net pension cost is comprised of the following for the years ended December 31: 2015 2014 2013 Service cost $ 1 $ 1 $ 1 Interest cost 10 10 10 Expected return on plan assets (16 ) (17 ) (16 ) Amortization of unrecognized loss 4 1 3 Net periodic pension (gain) $ (1 ) $ (5 ) $ (2 )
Change in plan assets and benefit obligation recognized in other comprehensive income	Changes in plan assets and benefit obligations recognized in other comprehensive income are as follows for the years ended December 31: 2015 2014 Net (gain) loss $ (10 ) $ 46 Total (gain) loss recognized in other comprehensive income (10 ) 46 Total recognized in net periodic pension cost and other comprehensive income $ (11 ) $ 42
Principal actuarial assumption	The principal actuarial assumptions we used were as follows for the years ended December 31: 2015 2014 2013 Projected benefit obligation: Discount rate 4.03 % 3.99 % 5.02 % Net periodic pension cost: Discount rate 5.47 % 5.01 % 4.07 % Expected long-term rate of return on plan assets 5.50 % 5.89 % 5.89 %
Fair value of the plan's assets by assets category and level within the faire value hierarchy	The fair values of the Plans’ assets by asset category and level within the fair value hierarchy are as follows at December 31: Asset Category Total Level 1 Level 2 Level 3 2015 Cash $ 14 $ 14 $ — $ — Fixed income securities: Corporate bonds 2 — 2 — Exchange traded funds: Diversified emerging markets 1 1 — — Mutual fund investments: Inflation protected bond fund 31 31 — — Small and mid cap blend 13 13 — — Foreign large value and blend 9 9 — — Large cap growth and blend 80 80 — — Real estate 4 4 — — High yield bond 17 17 — — World bond 17 17 — — Intermediate term bond 93 93 — — $ 281 $ 279 $ 2 $ — Asset Category Total Level 1 Level 2 Level 3 2014 Cash $ 14 $ 14 $ — $ — Equity securities: First Niagara Financial Group, Inc. common stock 1 1 — — Fixed income securities: Corporate bonds 3 — 3 — Exchange traded funds: Large cap growth 23 23 — — Foreign large cap value and blend 4 4 — — High yield bond fund 7 7 — — Inflation protected bond fund 43 43 — — Intermediate term bond fund 91 91 — — Diversified emerging markets 1 1 — — Real estate 5 5 — — Mortgage-backed securities 7 7 — — Small and mid cap blend 5 5 — — World bond 18 18 — — Mutual fund investments: Foreign large value and blend 5 5 — — Small and midcap growth, value, and blend 3 3 — — Large cap growth, value, and blend 60 60 — — Real estate 4 4 — — Diversified emerging markets 2 2 — — $ 296 $ 294 $ 3 $ —
Estimated benefit payment under pension plan	Estimated benefit payments under our pension plans over the next ten years are as follow at December 31, 2015 : 2016 $ 14 2017 14 2018 14 2019 14 2020 15 2021-2025 73
Information regarding post-retirement plan	Information regarding these post-retirement plans is as follows at December 31: 2015 2014 Change in accumulated post-retirement benefit obligation: Accumulated post-retirement benefit obligation at beginning of year $ 14 $ 10 Interest cost 1 1 Plan amendments (4 ) — Actuarial (gain) loss (1 ) 4 Benefits paid (5 ) (1 ) Accumulated post-retirement benefit obligation at end of year $ 5 $ 14 Unfunded status at year end $ (5 ) $ (14 )
Components of net periodic post-retirement benefit cost	The components of net periodic post-retirement benefit cost are as follows for the years ended December 31: 2015 2014 2013 Interest cost $ 1 $ 1 $ 1 Amortization of unrecognized loss 1 — — Settlement loss 1 — — Total periodic post-retirement cost $ 2 $ 1 $ —
Change in plan benefit obligation recognized in other comprehensive income	Changes in plan benefit obligations recognized in other comprehensive income are as follows for the years ended December 31: 2015 2014 Net (gain) loss $ (2 ) $ 4 Amortization of unrecognized loss (1 ) — Prior service credit (4 ) — Total (gain) loss recognized in other comprehensive income $ (7 ) $ 4 Total recognized in net periodic post-retirement cost and other comprehensive income $ (5 ) $ 5
Principal actuarial assumptions related to other post retirement benefit	The principal actuarial assumptions used were as follows for the years ended December 31: 2015 2014 2013 Accumulated post-retirement benefit obligation: Discount rate 4.12 % 3.90 % 4.87 % Total periodic cost: Discount rate 3.90 % 4.87 % 3.89 %
Estimated benefit payments under the post-retirement plan over the next ten years	Estimated benefit payments under the post-retirement plan over the next ten years are as follows at December 31, 2015 : 2016 $ 1 2017 — 2018 — 2019 — 2020 — 2021-2025 2
Amount recognized in consolidated statements of condition related to pension and post retirement plans	Amounts recognized in our Consolidated Statements of Condition related to our pension and post-retirement plans are as follows for the years ended December 31: 2015 2014 Other assets: Fair value of plan assets in excess of projected benefit obligation $ 49 $ 36 Other liabilities: Accumulated post-retirement benefit obligation $ 5 $ 14 Accumulated other comprehensive loss (income), net of taxes: Pension plans $ 40 $ 50 Post-retirement benefit plan (1 ) 1 $ 39 $ 51

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Fair value option quantitative disclosures	2015 2014 Fair value carrying amount $ 43 $ 35 Aggregate unpaid principal balance 42 34 Fair value carrying amount less aggregate unpaid principal balance $ 1 $ 1
Summary of assets and liabilities measured at fair value on a recurring basis	The following tables summarize our assets and liabilities measured at fair value on a recurring basis at December 31: Fair Value Measurements Total Level 1 Level 2 Level 3 2015 Assets: Investment securities available for sale: Debt securities: States and political subdivisions $ 379 $ — $ 379 $ — U.S. Treasury 55 55 — — U.S. government sponsored enterprises 269 — 269 — Corporate 801 — 797 4 Total debt securities 1,504 55 1,445 4 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 26 — 26 — Federal National Mortgage Association 71 — 71 — Federal Home Loan Mortgage Corporation 87 — 87 — Collateralized mortgage obligations: Government National Mortgage Association 94 — 94 — Federal National Mortgage Association 730 — 730 — Federal Home Loan Mortgage Corporation 355 — 355 — Total collateralized mortgage obligations 1,179 — 1,179 — Total residential mortgage-backed securities 1,364 — 1,364 — Commercial mortgage-backed securities, non-agency issued 1,085 — 1,085 — Total mortgage-backed securities 2,449 — 2,449 — Collateralized loan obligations, non-agency issued 1,186 — 1,186 — Asset-backed securities collateralized by: Student loans 171 — 171 — Credit cards 20 — 20 — Auto loans 66 — 66 — Other 53 — 53 — Total asset-backed securities 310 — 310 — Other 22 21 1 — Total securities available for sale 5,471 76 5,391 4 Loans held for sale (1) 43 — 43 — Derivatives 123 — 123 — Total assets $ 5,637 $ 76 $ 5,557 $ 4 Liabilities: Derivatives $ 128 $ — $ 128 $ — (1) Represents loans for which we have elected the fair value option.	Fair Value Measurements Total Level 1 Level 2 Level 3 2014 Assets: Investment securities available for sale: Debt securities: States and political subdivisions $ 453 $ — $ 453 $ — U.S. Treasury 25 25 — — U.S. government sponsored enterprises 191 — 191 — Corporate 823 — 818 4 Total debt securities 1,492 25 1,463 4 Mortgage-backed securities: Residential mortgage-backed securities: Government National Mortgage Association 34 — 34 — Federal National Mortgage Association 100 — 100 — Federal Home Loan Mortgage Corporation 120 — 120 — Collateralized mortgage obligations: Federal National Mortgage Association 682 — 682 — Federal Home Loan Mortgage Corporation 350 — 350 — Total collateralized mortgage obligations 1,032 — 1,032 — Total residential mortgage-backed securities 1,286 — 1,286 — Commercial mortgage-backed securities, non-agency issued 1,500 — 1,500 — Total mortgage-backed securities 2,786 — 2,786 — Collateralized loan obligations, non-agency issued 1,016 — 1,016 — Asset-backed securities collateralized by: Student loans 235 — 235 — Credit cards 42 — 42 — Auto loans 194 — 194 — Other 127 — 127 — Total asset-backed securities 599 — 599 — Other 22 21 1 — Total securities available for sale 5,915 47 5,865 4 Loans held for sale (1) 35 — 35 — Derivatives 93 — 93 — Total assets $ 6,043 $ 47 $ 5,993 $ 4 Liabilities: Derivatives $ 94 $ — $ 94 $ — (1) Represents loans for which we have elected the fair value option.
Summary of assets and liabilities measured at fair value on a nonrecurring basis	he following table summarizes our assets and liabilities measured at fair value on a nonrecurring basis for the years ended December 31: Fair Value Measurements Total gains Total Level 1 Level 2 Level 3 (losses) 2015 Collateral dependent impaired loans $ 8 $ — $ 8 $ — $ — 2014 Collateral dependent impaired loans $ 10 $ — $ 10 $ — $ —
Carrying value and estimated fair value of financial instruments	The carrying value and estimated fair value of our financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis, are as follows at December 31: 2015 2014 Carrying value Estimated fair value Fair value level Carrying value Estimated fair Fair value Financial assets: Cash and cash equivalents $ 672 $ 672 1 $ 420 $ 420 1 Investment securities available for sale 5,471 5,471 1,2,3 (1) 5,915 5,915 1,2,3 (1) Investment securities held to maturity 6,388 6,378 2 5,942 5,964 2 Federal Home Loan Bank and Federal Reserve Bank common stock 410 410 2 412 412 2 Loans held for sale 46 46 2 40 40 2 Loans and leases, net 23,796 23,749 2,3 (2) 22,803 23,037 2,3 (2) Derivatives 123 123 2 93 93 2 Accrued interest receivable 104 104 2 101 101 2 Financial liabilities: Deposits $ 28,701 $ 28,705 2 $ 27,781 $ 27,793 2 Borrowings 6,657 6,666 2 6,206 6,215 2 Derivatives 128 128 2 94 94 2 Accrued interest payable 14 14 2 11 11 2 (1) For a detailed breakout of our investment securities available for sale, refer to our table of recurring fair value measurements. (2) Loans and leases classified as level 2 are made up of $8 million and $10 million of collateral dependent impaired loans without significant adjustments made to appraised values at December 31, 2015 and 2014 , respectively. All other loans and leases are classified as level 3.

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Financial information of business segments	Selected financial information for our segments follows for the years ended December 31: Banking Financial services Consolidated total 2015 Net interest income $ 1,056 $ — $ 1,056 Provision for credit losses 76 — 76 Net interest income after provision for credit losses 980 — 980 Noninterest income 276 66 342 Amortization of intangibles 17 2 19 Other noninterest expense 948 53 1,000 Income before income taxes 291 11 302 Income tax expense 74 4 79 Net income $ 217 $ 7 $ 224 2014 Net interest income $ 1,086 $ — $ 1,086 Provision for credit losses 96 — 96 Net interest income after provision for credit losses 990 — 990 Noninterest income 244 66 310 Amortization of intangibles 24 3 27 Goodwill impairment 1,100 — 1,100 Other noninterest expense 940 57 997 (Loss) income before income taxes (831 ) 7 (824 ) Income tax (benefit) expense (112 ) 3 (109 ) Net (loss) income $ (719 ) $ 4 $ (715 ) 2013 Net interest income $ 1,093 $ — $ 1,093 Provision for credit losses 105 — 105 Net interest income after provision for credit losses 988 — 988 Noninterest income 298 67 366 Amortization of intangibles 37 3 40 Other noninterest expense 839 52 891 Income before income taxes 411 12 423 Income tax expense 123 5 128 Net income $ 288 $ 7 $ 295

Condensed Parent Company Only45

Condensed Parent Company Only Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule of Condensed Balance Sheet	Condensed Statements of Condition 2015 2014 Assets: Cash and cash equivalents $ 394 $ 383 Investment in subsidiary 4,418 4,388 Deferred taxes 33 32 Other assets 12 13 Total assets $ 4,857 $ 4,815 Liabilities and Stockholders’ Equity: Accounts payable and other liabilities $ 19 $ 12 Borrowings 712 710 Stockholders’ equity 4,126 4,093 Total liabilities and stockholders’ equity $ 4,857 $ 4,815
Schedule of Condensed Income Statement	Condensed Statements of Operations 2015 2014 2013 Interest income $ — $ 1 $ 2 Dividends received from subsidiary 100 80 175 Total interest and dividend income 100 81 177 Interest expense 49 48 49 Net interest income 52 33 128 Noninterest income 2 3 2 Noninterest expense 36 27 30 Income before income taxes and undisbursed income of subsidiary 17 9 100 Income tax benefit (31 ) (28 ) (29 ) Income before undisbursed income of subsidiary 48 36 129 Undisbursed income (loss) of subsidiary 176 (751 ) 167 Net income (loss) 224 (715 ) 295 Preferred stock dividend 30 30 30 Net income (loss) available to common stockholders $ 193 $ (745 ) $ 265 Net income (loss) $ 224 $ (715 ) $ 295 Other comprehensive (loss) income (1) (56 ) (53 ) (95 ) Total comprehensive income (loss) $ 167 $ (768 ) $ 200 (1) See Consolidated Statements of Comprehensive Income (Loss) for other comprehensive income (loss) detail.
Schedule of Condensed Cash Flow Statement	Condensed Statements of Cash Flows 2015 2014 2013 Cash flows from operating activities: Net income (loss) $ 224 $ (715 ) $ 295 Adjustments to reconcile net (loss) income to net cash provided by operating activities: Undisbursed (income) loss of subsidiaries (176 ) 751 (167 ) Stock-based compensation expense 13 11 9 Deferred income tax (benefit) expense (2 ) 2 (18 ) Decrease (increase) in other assets (2 ) (2 ) 7 Decrease in other liabilities 7 (1 ) (9 ) Net cash provided by operating activities 64 46 118 Cash flows from investing activities: Proceeds from maturities of securities available for sale — 3 — Principal payments received on securities available for sale — — 1 Purchases of securities available for sale — — (2 ) Repayment of ESOP loan receivable — 15 1 Other, net 1 1 (1 ) Net cash provided by investing activities 1 19 — Cash flows from financing activities: Return of capital from subsidiary 90 85 — Repurchase of shares upon ESOP termination — (14 ) — Dividends paid on preferred stock (30 ) (30 ) (30 ) Dividends paid on common stock (113 ) (113 ) (112 ) Net cash used in financing activities (54 ) (72 ) (143 ) Net increase (decrease) in cash and cash equivalents 11 (7 ) (25 ) Cash and cash equivalents at beginning of period 383 390 415 Cash and cash equivalents at end of period $ 394 $ 383 $ 390

Summary of Significant Accoun46

Summary of Significant Accounting Policies (Details) $ in Millions	6 Months Ended	12 Months Ended
	Dec. 31, 2014USD ($)	Dec. 31, 2015USD ($)acquisition
Maturity period of cash and cash equivalents		3 months
Number of days consumer loans secured by real estate are past due when we order broker price opinions and record partial or full charge-offs		90 days
Number of days past due for residential mortgage and home equity loans and home equity lines of credit are charged off		180 days
Number of days past due for other consumer loans are charged off for closed end loans		120 days
Number of days past due for other consumer loans are charged off for open ended loans		180 days
Minimum amount of nonaccrual business and commercial real estate loans evaluated individually for impairment	$ 1
Amount of allowance for credit losses related to acquired loans		$ 0
Number of separate acquisitions | acquisition		4
Loans that reviewed for each acquisition		greater than $1 million
Building | Minimum [Member]
Useful life		20 years
Building | Maximum [Member]
Useful life		39 years
Furniture and equipment | Minimum [Member]
Useful life		3 years
Furniture and equipment | Maximum [Member]
Useful life		10 years
Capitalized software | Maximum [Member]
Useful life		10 years
Loans receivable [Member]
Minimum number of days past due for estimate future cash flows on acquired loans expect to fully collect		90 days
Credit cards [Member]
Minimum number of days past due for estimate future cash flows on acquired loans expect to fully collect		180 days
Originated loans [Member] | Loans receivable [Member]
Minimum Number of Days Originated Loans are Past Due Prior to Deterioration in Credit Quality		90 days

Business combination (Details T

Business combination (Details Textuals) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Common stock, par value	$ 0.01	$ 0.01
Preferred stock, par value	$ 0.01	$ 0.01
Merger and acquisition integration expenses	$ 14	$ 0	$ 0
KeyCorp [Member]
Business Acquisition [Line Items]
Common stock per share exchange ratio	0.680
Common stock, par value	$ 1
Cash to be received, per share	2.30
First Niagara Financial Group Inc [Member]
Business Acquisition [Line Items]
Common stock, par value	0.01
Preferred stock, par value	$ 0.01

Investment Securities - Availab

Investment Securities - Available for Sale and Held to Maturity Securities (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	$ 5,485	$ 5,830
Securities available for sale, unrealized gains	49	121
Securities available for sale, unrealized losses	(63)	(35)
Securities available for sale, fair value	5,471	5,915
Securities held to maturity, amortized cost	6,388	5,942
Securities held to maturity, unrealized gains	43	64
Securities held to maturity, unrealized losses	(53)	(42)
Investment securities held to maturity	6,378	5,964
Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	6,345	5,882
Securities held to maturity, unrealized gains	43	64
Securities held to maturity, unrealized losses	(53)	(42)
Investment securities held to maturity	6,336	5,904
Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	6,186	5,687
Securities held to maturity, unrealized gains	42	63
Securities held to maturity, unrealized losses	(51)	(41)
Investment securities held to maturity	6,177	5,709
Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	17	12
Securities held to maturity, unrealized gains	0	0
Securities held to maturity, unrealized losses	0	0
Investment securities held to maturity	17	12
Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	1,571	1,755
Securities held to maturity, unrealized gains	14	27
Securities held to maturity, unrealized losses	(6)	(3)
Investment securities held to maturity	1,579	1,779
Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	93	118
Securities held to maturity, unrealized gains	0	1
Securities held to maturity, unrealized losses	(1)	(1)
Investment securities held to maturity	92	118
Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	2,297	1,965
Securities held to maturity, unrealized gains	8	11
Securities held to maturity, unrealized losses	(26)	(22)
Investment securities held to maturity	2,279	1,954
Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	50	65
Securities held to maturity, unrealized gains	0	1
Securities held to maturity, unrealized losses	0	0
Investment securities held to maturity	50	65
Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	2,318	1,967
Securities held to maturity, unrealized gains	20	25
Securities held to maturity, unrealized losses	(19)	(17)
Investment securities held to maturity	2,319	1,976
U.S. government agencies debt securities [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Securities held to maturity, amortized cost	42	60
Securities held to maturity, unrealized gains	0	0
Securities held to maturity, unrealized losses	0	0
Investment securities held to maturity	42	60
Debt securities [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	1,525	1,476
Securities available for sale, unrealized gains	15	29
Securities available for sale, unrealized losses	(36)	(12)
Securities available for sale, fair value	1,504	1,492
Debt securities [Member] | States and political subdivisions [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	374	444
Securities available for sale, unrealized gains	5	10
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	379	453
Debt securities [Member] | U.S. Treasury [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	55	25
Securities available for sale, unrealized gains	0	0
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	55	25
Debt securities [Member] | U.S. government sponsored enterprises [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	268	187
Securities available for sale, unrealized gains	2	5
Securities available for sale, unrealized losses	(2)	0
Securities available for sale, fair value	269	191
Debt securities [Member] | Corporate [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	828	820
Securities available for sale, unrealized gains	7	15
Securities available for sale, unrealized losses	(34)	(12)
Securities available for sale, fair value	801	823
Mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	2,437	2,741
Securities available for sale, unrealized gains	27	64
Securities available for sale, unrealized losses	(15)	(19)
Securities available for sale, fair value	2,449	2,786
Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	1,369	1,291
Securities available for sale, unrealized gains	10	13
Securities available for sale, unrealized losses	(15)	(19)
Securities available for sale, fair value	1,364	1,286
Residential mortgage-backed securities [Member] | Government National Mortgage Association [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	27	34
Securities available for sale, unrealized gains	0	1
Securities available for sale, unrealized losses	(1)	(1)
Securities available for sale, fair value	26	34
Residential mortgage-backed securities [Member] | Federal National Mortgage Association [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	68	96
Securities available for sale, unrealized gains	3	5
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	71	100
Residential mortgage-backed securities [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	84	115
Securities available for sale, unrealized gains	4	5
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	87	120
Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	1,191	1,047
Securities available for sale, unrealized gains	2	3
Securities available for sale, unrealized losses	(14)	(18)
Securities available for sale, fair value	1,179	1,032
Collateralized mortgage obligations [Member] | Government National Mortgage Association [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	94
Securities available for sale, unrealized gains	0
Securities available for sale, unrealized losses	(1)
Securities available for sale, fair value	94
Collateralized mortgage obligations [Member] | Federal National Mortgage Association [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	738	694
Securities available for sale, unrealized gains	1	2
Securities available for sale, unrealized losses	(9)	(13)
Securities available for sale, fair value	730	682
Collateralized mortgage obligations [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	359	353
Securities available for sale, unrealized gains	1	1
Securities available for sale, unrealized losses	(4)	(4)
Securities available for sale, fair value	355	350
Commercial mortgage-backed securities, non-agency issued [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	1,067	1,450
Securities available for sale, unrealized gains	17	51
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	1,085	1,500
Collateralized loan obligations, non-agency issued [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	1,192	1,001
Securities available for sale, unrealized gains	5	18
Securities available for sale, unrealized losses	(11)	(3)
Securities available for sale, fair value	1,186	1,016
Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	309	591
Securities available for sale, unrealized gains	3	9
Securities available for sale, unrealized losses	(1)	(1)
Securities available for sale, fair value	310	599
Asset-backed securities [Member] | Student loans [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	170	228
Securities available for sale, unrealized gains	2	7
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	171	235
Asset-backed securities [Member] | Credit cards [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	20	42
Securities available for sale, unrealized gains	0	0
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	20	42
Asset-backed securities [Member] | Auto loans [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	66	193
Securities available for sale, unrealized gains	0	1
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	66	194
Asset-backed securities [Member] | Other [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	53	127
Securities available for sale, unrealized gains	0	1
Securities available for sale, unrealized losses	0	(1)
Securities available for sale, fair value	53	127
Other securities [Member]
Schedule of available for sale securities [Line Items]
Amortized cost for securities available for sale	22	22
Securities available for sale, unrealized gains	0	0
Securities available for sale, unrealized losses	0	0
Securities available for sale, fair value	$ 22	$ 22

Investment Securities - Avail49

Investment Securities - Available for Sale and Held to Maturity Securities Continuous Unrealized Loss Position (Details) $ in Millions	Dec. 31, 2015USD ($)Security	Dec. 31, 2014USD ($)Security
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 1,942	$ 614
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (35)	$ (10)
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	385	206
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 498	$ 1,130
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (28)	$ (26)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	116	145
Total fair value available-for-sale securities	$ 2,441	$ 1,744
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (63)	$ (35)
Available for sale securities in unrealized loss position, count | Security	501	351
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 2,733	$ 1,097
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (29)	$ (8)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	240	108
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 803	$ 1,219
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (24)	$ (35)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	85	92
Total fair value of held-to-maturity securities	$ 3,535	$ 2,316
Total unrealized losses of held to maturity securities	$ (53)	$ (42)
Held-to-maturity securities in unrealized loss position, count | Security	325	200
Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 2,713	$ 1,059
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (29)	$ (8)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	239	103
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 803	$ 1,219
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (24)	$ (35)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	85	92
Total fair value of held-to-maturity securities	$ 3,516	$ 2,278
Total unrealized losses of held to maturity securities	$ (53)	$ (42)
Held-to-maturity securities in unrealized loss position, count | Security	324	195
Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 2,641	$ 1,022
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (28)	$ (8)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	208	93
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 771	$ 1,157
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (23)	$ (34)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	73	76
Total fair value of held-to-maturity securities	$ 3,412	$ 2,179
Total unrealized losses of held to maturity securities	$ (51)	$ (41)
Held-to-maturity securities in unrealized loss position, count | Security	281	169
Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 6	$ 0
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ 0	$ 0
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	4	0
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 0	$ 2
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ 0	$ 0
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	1	2
Total fair value of held-to-maturity securities	$ 7	$ 2
Total unrealized losses of held to maturity securities	$ 0	$ 0
Held-to-maturity securities in unrealized loss position, count | Security	5	2
Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 675	$ 360
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (5)	$ (2)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	85	48
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 63	$ 46
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (1)	$ (1)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	22	12
Total fair value of held-to-maturity securities	$ 738	$ 407
Total unrealized losses of held to maturity securities	$ (6)	$ (3)
Held-to-maturity securities in unrealized loss position, count | Security	107	60
Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 35	$ 4
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ 0	$ 0
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	14	1
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 27	$ 51
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (1)	$ (1)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	9	12
Total fair value of held-to-maturity securities	$ 62	$ 55
Total unrealized losses of held to maturity securities	$ (1)	$ (1)
Held-to-maturity securities in unrealized loss position, count | Security	23	13
Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 946	$ 240
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (13)	$ (1)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	57	18
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 398	$ 648
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (13)	$ (21)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	27	36
Total fair value of held-to-maturity securities	$ 1,345	$ 888
Total unrealized losses of held to maturity securities	$ (26)	$ (22)
Held-to-maturity securities in unrealized loss position, count | Security	84	54
Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 31	$ 33
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ 0	$ 0
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	13	9
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 4	$ 9
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ 0	$ 0
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	2	2
Total fair value of held-to-maturity securities	$ 35	$ 42
Total unrealized losses of held to maturity securities	$ 0	$ 0
Held-to-maturity securities in unrealized loss position, count | Security	15	11
Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 1,019	$ 422
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ (10)	$ (5)
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	66	27
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 310	$ 463
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ (9)	$ (12)
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	24	28
Total fair value of held-to-maturity securities	$ 1,329	$ 885
Total unrealized losses of held to maturity securities	$ (19)	$ (17)
Held-to-maturity securities in unrealized loss position, count | Security	90	55
Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 495	$ 215
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (18)	$ (7)
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	244	157
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 104	$ 145
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (18)	$ (5)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	75	70
Total fair value available-for-sale securities	$ 599	$ 360
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (36)	$ (12)
Available for sale securities in unrealized loss position, count | Security	319	227
Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 631	$ 73
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (6)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	44	6
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 205	$ 733
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (8)	$ (18)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	12	42
Total fair value available-for-sale securities	$ 836	$ 806
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (14)	$ (18)
Available for sale securities in unrealized loss position, count | Security	56	48
Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 632	$ 73
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (6)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	51	6
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 222	$ 752
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (8)	$ (19)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	18	47
Total fair value available-for-sale securities	$ 854	$ 825
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (15)	$ (19)
Available for sale securities in unrealized loss position, count | Security	69	53
Commercial mortgage-backed securities, non-agency issued [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 35	$ 13
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	6	3
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 24
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0	3
Total fair value available-for-sale securities	$ 35	$ 36
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	6	6
Mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 667	$ 85
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (6)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	57	9
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 222	$ 776
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (8)	$ (19)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	18	50
Total fair value available-for-sale securities	$ 889	$ 861
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (15)	$ (19)
Available for sale securities in unrealized loss position, count | Security	75	59
Collateralized loan obligations, non-agency issued [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 698	$ 276
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (10)	$ (2)
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	68	32
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 154	$ 146
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (1)	$ (1)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	18	15
Total fair value available-for-sale securities	$ 852	$ 422
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (11)	$ (3)
Available for sale securities in unrealized loss position, count | Security	86	47
Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 71	$ 37
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (1)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	14	8
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 9	$ 55
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ (1)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	2	7
Total fair value available-for-sale securities	$ 79	$ 92
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (1)	$ (1)
Available for sale securities in unrealized loss position, count | Security	16	15
Other securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 12	$ 0
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	2	0
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 9	$ 9
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	3	3
Total fair value available-for-sale securities	$ 21	$ 9
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	5	3
Student loans [Member] | Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 27	$ 26
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	6	4
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 9	$ 2
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	2	2
Total fair value available-for-sale securities	$ 36	$ 28
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	8	6
Credit cards [Member] | Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 8	$ 8
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	1	1
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 0
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0	0
Total fair value available-for-sale securities	$ 8	$ 8
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	1	1
Auto loans [Member] | Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 2	$ 3
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	2	2
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 0
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0	0
Total fair value available-for-sale securities	$ 2	$ 3
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	2	2
Other [Member] | Asset-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 33	$ 0
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	5	1
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 52
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ (1)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0	5
Total fair value available-for-sale securities	$ 33	$ 52
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ (1)
Available for sale securities in unrealized loss position, count | Security	5	6
States and political subdivisions [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 22	$ 16
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	32	22
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 2	$ 1
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	3	5
Total fair value available-for-sale securities	$ 24	$ 17
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	35	27
U.S. Treasury [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 30	$ 5
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	2	1
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 0
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0	0
Total fair value available-for-sale securities	$ 30	$ 5
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available for sale securities in unrealized loss position, count | Security	2	1
U.S. government agencies debt securities [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of held-to-maturity securities in unrealized loss position less than 12 months	$ 20	$ 38
Unrealized losses of held to maturity securities in unrealized loss position less than 12 months	$ 0	$ 0
Held-to-maturity securities in unrealized loss position less than 12 months, count | Security	1	5
Fair value held-to-maturity securities in unrealized loss position 12 months or longer	$ 0	$ 0
Unrealized losses of held to maturity securities in unrealized loss position 12 months or longer	$ 0	$ 0
Held-to-maturiy securities in unrealized loss position longer than 12 months, count | Security	0	0
Total fair value of held-to-maturity securities	$ 20	$ 38
Total unrealized losses of held to maturity securities	$ 0	$ 0
Held-to-maturity securities in unrealized loss position, count | Security	1	5
U.S. government sponsored enterprises [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 132	$ 18
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (2)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	15	7
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0	$ 42
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	1	4
Total fair value available-for-sale securities	$ 132	$ 60
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (2)	$ 0
Available for sale securities in unrealized loss position, count | Security	16	11
Corporate [Member] | Debt securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 311	$ 176
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (16)	$ (7)
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	195	127
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 102	$ 102
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (18)	$ (5)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	71	61
Total fair value available-for-sale securities	$ 413	$ 278
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (34)	$ (12)
Available for sale securities in unrealized loss position, count | Security	266	188
Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 94
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (1)
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	4
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0
Total fair value available-for-sale securities	$ 94
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (1)
Available for sale securities in unrealized loss position, count | Security	4
Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 1	$ 0
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	6	0
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 17	$ 19
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (1)	$ (1)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	5	5
Total fair value available-for-sale securities	$ 18	$ 19
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (1)	$ (1)
Available for sale securities in unrealized loss position, count | Security	11	5
Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 326	$ 26
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (3)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	26	3
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 166	$ 517
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (6)	$ (13)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	10	30
Total fair value available-for-sale securities	$ 492	$ 542
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (9)	$ (13)
Available for sale securities in unrealized loss position, count | Security	36	33
Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 0
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	0
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	1
Total fair value available-for-sale securities	$ 0
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ 0
Available for sale securities in unrealized loss position, count | Security	1
Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 212	$ 47
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (3)	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	14	3
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 39	$ 216
Available for sale securities in unrealized loss position 12 months or longer, unrealized losses	$ (2)	$ (4)
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	2	12
Total fair value available-for-sale securities	$ 251	$ 263
Available for sale securities in unrealized loss position less than 12 months, unrealized losses	$ (4)	$ (4)
Available for sale securities in unrealized loss position, count | Security	16	15
Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Schedule of available for sale securities [Line Items]
Fair value of available-for-sale securities in unrealized loss position less than 12 months	$ 0
Available-For-Sale Securities, Continuous Unrealized Loss Positions Less Than 12 Months Aggregate Losses 3	$ 0
Available-for-sale securities in unrealized loss position less than 12 months, count | Security	1
Fair value of available-for-sale securities in unrealized loss position 12 months or longer	$ 0
Available-For-Sale Securities, Continuous Unrealized Loss Position 12 Months Or Longer Aggregate Losses 3	$ 0
Available-for-sale securities in unrealized loss position 12 months or longer, count | Security	0
Total fair value available-for-sale securities	$ 0
Available-For-Sale Securities, Continuous Unrealized Loss Position Aggregate Losses 3	$ 0
Available for sale securities in unrealized loss position, count	1

Investment Securities - Maturit

Investment Securities - Maturities of Available for Sale and Held to Maturity Debt Securities (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Scheduled contractual maturities of investment securities [Line Items]
Debt securities, amortized cost within one year	$ 321
Debt securities, fair value within one year	324
Debt securities, amortized cost after one year through five years	552
Debt securities, fair value after one year through five years	552
Debt securities, amortized cost after five years through ten years	685
Debt securities, fair value after five years through ten years	660
Debt securities, amortized cost after ten years	9
Debt securities, fair value after ten years	9
Debt securities, amortized cost	1,568
Debt securities, fair value	1,546
Mortgage-backed securities, amortized cost	8,782
Mortgage-backed securities, fair value	8,785
Amortized cost for securities available for sale	5,485	$ 5,830
Securities available for sale, fair value	5,471	5,915
Total available for sale and held to maturity securities, amortized cost	11,873
Total available for sale and held to maturity, fair value	11,849
Collateralized loan obligations, non-agency issued [Member]
Scheduled contractual maturities of investment securities [Line Items]
Amortized cost for securities available for sale	1,192	1,001
Securities available for sale, fair value	1,186	1,016
Asset-backed securities [Member]
Scheduled contractual maturities of investment securities [Line Items]
Amortized cost for securities available for sale	309	591
Securities available for sale, fair value	310	599
Other securities [Member]
Scheduled contractual maturities of investment securities [Line Items]
Amortized cost for securities available for sale	22	22
Securities available for sale, fair value	$ 22	$ 22

Investment Securities (Details

Investment Securities (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Investment Securities (Textual) [Abstract]
Contractual maturity period of securities (in years)	10 years
Weighted average duration investment securities portfolio (in years)	3 years 3 months	3 years 8 months
Securities transferred from available for sale to held to maturity (at fair value)	$ 0	$ 0	$ 3,001
Investment securities pledged as collateral	6,900	6,100
Fair value of securities issued, FHLMC	2,800
Fair value of securities issued, FNMA	3,200
Fair value of securities issued, GNMA	$ 1,700
Maximum percentage of our stockholders equity invested in securities of single issuer	10.00%
Federal Reserve Bank Stock	$ 131	131
New York common stock [Member]
Investment Securities (Textual) [Abstract]
Investment related to FHLB stock	$ 280	256
Boston common stock [Member]
Investment Securities (Textual) [Abstract]
Investment related to FHLB stock		$ 25

Loans and Leases - Composition

Loans and Leases - Composition (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Summary of loans and leases
Loans receivable	$ 24,038	$ 23,037
Allowance for loan losses	(242)	(234)
Total loans and leases, net	23,796	22,803
Total commercial [Member]
Summary of loans and leases
Loans receivable	14,665	13,979
Total commercial [Member] | Commercial real estate [Member]
Summary of loans and leases
Loans receivable	7,375	7,231
Total commercial [Member] | Construction [Member]
Summary of loans and leases
Loans receivable	1,278	973
Total commercial [Member] | Business [Member]
Summary of loans and leases
Loans receivable	6,013	5,775
Total consumer [Member]
Summary of loans and leases
Loans receivable	9,372	9,058
Total consumer [Member] | Residential real estate [Member]
Summary of loans and leases
Loans receivable	3,355	3,353
Total consumer [Member] | Home equity [Member]
Summary of loans and leases
Loans receivable	3,069	2,936
Total consumer [Member] | Indirect auto [Member]
Summary of loans and leases
Loans receivable	2,393	2,166
Total consumer [Member] | Credit cards [Member]
Summary of loans and leases
Loans receivable	311	324
Total consumer [Member] | Other consumer [Member]
Summary of loans and leases
Loans receivable	245	278
Originated loans [Member]
Summary of loans and leases
Loans receivable	21,101	19,296	$ 16,922
Allowance for loan losses	(237)	(228)
Total loans and leases, net	20,864	19,067
Originated loans [Member] | Total commercial [Member]
Summary of loans and leases
Loans receivable	13,670	12,584
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of loans and leases
Loans receivable	6,539	6,181
Originated loans [Member] | Total commercial [Member] | Construction [Member]
Summary of loans and leases
Loans receivable	1,278	973
Originated loans [Member] | Total commercial [Member] | Business [Member]
Summary of loans and leases
Loans receivable	5,853	5,430	4,876
Originated loans [Member] | Total consumer [Member]
Summary of loans and leases
Loans receivable	7,431	6,711
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of loans and leases
Loans receivable	2,349	2,096	1,902
Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of loans and leases
Loans receivable	2,133	1,847	1,618
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Summary of loans and leases
Loans receivable	2,393	2,166	1,544
Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Summary of loans and leases
Loans receivable	311	324	325
Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of loans and leases
Loans receivable	245	278	302
Acquired loans [Member]
Summary of loans and leases
Loans receivable	2,937	3,742	4,517
Allowance for loan losses	(5)	(6)
Total loans and leases, net	2,932	3,736
Acquired loans [Member] | Total commercial [Member]
Summary of loans and leases
Loans receivable	996	1,395
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of loans and leases
Loans receivable	835	1,050
Acquired loans [Member] | Total commercial [Member] | Construction [Member]
Summary of loans and leases
Loans receivable	0	1
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Summary of loans and leases
Loans receivable	160	345	414
Acquired loans [Member] | Total consumer [Member]
Summary of loans and leases
Loans receivable	1,941	2,347
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of loans and leases
Loans receivable	1,005	1,257	1,546
Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of loans and leases
Loans receivable	936	1,089	1,134
Acquired loans [Member] | Total consumer [Member] | Indirect auto [Member]
Summary of loans and leases
Loans receivable	0	0
Acquired loans [Member] | Total consumer [Member] | Credit cards [Member]
Summary of loans and leases
Loans receivable	0	0	0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of loans and leases
Loans receivable	$ 0	$ 0	$ 0

Loans and Leases - Acquired Loa

Loans and Leases - Acquired Loans (Details) - Acquired loans [Member] - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
The outstanding principal balance and the related carrying amount of the acquired loans
Outstanding principal balance	$ 2,992	$ 3,832
Carrying amount	2,937	3,742
Credit impaired acquired loans evaluated individually for future credit losses [Member]
The outstanding principal balance and the related carrying amount of the acquired loans
Outstanding principal balance	5	10
Carrying amount	5	6
Credit impaired acquired loans evaluated collectively for future credit losses [Member]
The outstanding principal balance and the related carrying amount of the acquired loans
Outstanding principal balance	1,918	2,549
Carrying amount	1,883	2,496
Other acquired loans [Member]
The outstanding principal balance and the related carrying amount of the acquired loans
Outstanding principal balance	1,069	1,274
Carrying amount	$ 1,049	$ 1,240

Loans and Leases - Accretable Y

Loans and Leases - Accretable Yield Rollforward (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Changes in the accretable discount on loans acquired
Beginning Balance		$ (663)	$ (851)
Net reclassifications from nonaccretable yield		(9)	(5)
Accretion		104	138
Other changes in accretable yield	[1]		55
Ending Balance		$ (569)	$ (663)
[1]	Includes changes in expected cash flows from changes in interest rate and prepayment assumptions.

Loans and Leases - Allowance fo

Loans and Leases - Allowance for Loan Loss Rollforward (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Activity in the allowance for credit losses for the years ended
Total				$ 24,038	$ 23,037
Total commercial [Member]
Activity in the allowance for credit losses for the years ended
Total				14,665	13,979
Total commercial [Member] | Business [Member]
Activity in the allowance for credit losses for the years ended
Total				6,013	5,775
Total consumer [Member]
Activity in the allowance for credit losses for the years ended
Total				9,372	9,058
Total consumer [Member] | Residential real estate [Member]
Activity in the allowance for credit losses for the years ended
Total				3,355	3,353
Total consumer [Member] | Home equity [Member]
Activity in the allowance for credit losses for the years ended
Total				3,069	2,936
Total consumer [Member] | Indirect auto [Member]
Activity in the allowance for credit losses for the years ended
Total				2,393	2,166
Total consumer [Member] | Credit cards [Member]
Activity in the allowance for credit losses for the years ended
Total				311	324
Total consumer [Member] | Other consumer [Member]
Activity in the allowance for credit losses for the years ended
Total				245	278
Originated loans [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	$ 228	$ 205	$ 161
Provision for loan losses	74	85	96
Charge-offs	(83)	(75)	(63)
Recoveries	18	13	11
Balance at end of year	237	228	205
Allowance for loan losses, individually evaluated for impairment				10	6	$ 9
Allowance for loan losses, collectively evaluated for impairment				227	222	196
Total	228	205	161	237	228	205
Loans receivables, individually evaluated for impairment				162	156	163
Loans receivables, collectively evaluated for impairment				20,940	19,139	16,759
Total				21,101	19,296	16,922
Originated loans [Member] | Total commercial [Member]
Activity in the allowance for credit losses for the years ended
Total				13,670	12,584
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	65	48	38
Provision for loan losses	24	23	17
Charge-offs	(19)	(10)	(10)
Recoveries	5	4	4
Balance at end of year	75	65	48
Allowance for loan losses, individually evaluated for impairment				2	2	4
Allowance for loan losses, collectively evaluated for impairment				73	63	44
Total	65	48	38	75	65	48
Loans receivables, individually evaluated for impairment				47	64	72
Loans receivables, collectively evaluated for impairment				7,770	7,089	6,282
Total				7,817	7,154	6,354
Originated loans [Member] | Total commercial [Member] | Business [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	122	119	99
Provision for loan losses	26	30	48
Charge-offs	(30)	(30)	(31)
Recoveries	5	3	3
Balance at end of year	124	122	119
Allowance for loan losses, individually evaluated for impairment				7	2	2
Allowance for loan losses, collectively evaluated for impairment				117	120	117
Total	122	119	99	124	122	119
Loans receivables, individually evaluated for impairment				69	61	59
Loans receivables, collectively evaluated for impairment				5,784	5,370	4,818
Total				5,853	5,430	4,876
Originated loans [Member] | Total consumer [Member]
Activity in the allowance for credit losses for the years ended
Total				7,431	6,711
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	2	2	5
Provision for loan losses	0	1	(1)
Charge-offs	(1)	(1)	(2)
Recoveries	0	0	1
Balance at end of year	2	2	2
Allowance for loan losses, individually evaluated for impairment				0	1	1
Allowance for loan losses, collectively evaluated for impairment				1	1	1
Total	2	2	5	2	2	2
Loans receivables, individually evaluated for impairment				22	20	20
Loans receivables, collectively evaluated for impairment				2,327	2,076	1,882
Total				2,349	2,096	1,902
Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	8	7	5
Provision for loan losses	1	4	6
Charge-offs	(4)	(4)	(3)
Recoveries	1	1	0
Balance at end of year	6	8	7
Allowance for loan losses, individually evaluated for impairment				0	1	3
Allowance for loan losses, collectively evaluated for impairment				6	7	4
Total	8	7	5	6	8	7
Loans receivables, individually evaluated for impairment				17	7	8
Loans receivables, collectively evaluated for impairment				2,117	1,840	1,610
Total				2,133	1,847	1,618
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	14	10	3
Provision for loan losses	5	11	9
Charge-offs	(9)	(9)	(3)
Recoveries	2	1	1
Balance at end of year	13	14	10
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				13	14	10
Total	14	10	3	13	14	10
Loans receivables, individually evaluated for impairment				4	2	1
Loans receivables, collectively evaluated for impairment				2,389	2,164	1,543
Total				2,393	2,166	1,544
Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	12	13	7
Provision for loan losses	10	10	11
Charge-offs	(12)	(13)	(6)
Recoveries	3	2	1
Balance at end of year	13	12	13
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				13	12	13
Total	12	13	7	13	12	13
Loans receivables, individually evaluated for impairment				0	0	0
Loans receivables, collectively evaluated for impairment				311	324	325
Total				311	324	325
Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	5	6	5
Provision for loan losses	7	6	8
Charge-offs	(8)	(8)	(8)
Recoveries	1	1	2
Balance at end of year	5	5	6
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				5	5	6
Total	5	6	5	5	5	6
Loans receivables, individually evaluated for impairment				2	2	3
Loans receivables, collectively evaluated for impairment				242	276	299
Total				245	278	302
Acquired loans [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	6	4	2
Provision for loan losses	3	8	7
Charge-offs	(5)	(6)	(5)
Recoveries	1	0	0
Balance at end of year	5	6	4
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				5	6	4
Total	6	4	2	5	6	4
Loans receivables, individually evaluated for impairment				4	7	10
Loans receivables, collectively evaluated for impairment				1,045	1,233	1,264
Loans acquired with deteriorated credit quality				1,888	2,502	3,244
Total				2,937	3,742	4,517
Acquired loans [Member] | Total commercial [Member]
Activity in the allowance for credit losses for the years ended
Total				996	1,395
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	1	0	0
Provision for loan losses	2	3	4
Charge-offs	(2)	(2)	(4)
Recoveries	1	0	0
Balance at end of year	1	1	0
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				1	1	0
Total	1	0	0	1	1	0
Loans receivables, individually evaluated for impairment				0	0	1
Loans receivables, collectively evaluated for impairment				0	0	0
Loans acquired with deteriorated credit quality				835	1,050	1,423
Total				835	1,050	1,423
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	1	0	0
Provision for loan losses	0	1	0
Charge-offs	0	0	0
Recoveries	0	0	0
Balance at end of year	0	1	0
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				0	1	0
Total	1	0	0	0	1	0
Loans receivables, individually evaluated for impairment				0	3	7
Loans receivables, collectively evaluated for impairment				160	269	305
Loans acquired with deteriorated credit quality				0	73	102
Total				160	345	414
Acquired loans [Member] | Total consumer [Member]
Activity in the allowance for credit losses for the years ended
Total				1,941	2,347
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	2	1	0
Provision for loan losses	0	1	1
Charge-offs	0	0	0
Recoveries	0	0	0
Balance at end of year	2	2	1
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				2	2	1
Total	2	1	0	2	2	1
Loans receivables, individually evaluated for impairment				0	0	0
Loans receivables, collectively evaluated for impairment				0	0	0
Loans acquired with deteriorated credit quality				1,005	1,257	1,546
Total				1,005	1,257	1,546
Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	2	3	0
Provision for loan losses	1	3	3
Charge-offs	(2)	(4)	0
Recoveries	0	0	0
Balance at end of year	2	2	3
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				2	2	3
Total	2	3	0	2	2	3
Loans receivables, individually evaluated for impairment				4	4	1
Loans receivables, collectively evaluated for impairment				885	964	960
Loans acquired with deteriorated credit quality				47	122	173
Total				936	1,089	1,134
Acquired loans [Member] | Total consumer [Member] | Indirect auto [Member]
Activity in the allowance for credit losses for the years ended
Total				0	0
Acquired loans [Member] | Total consumer [Member] | Credit cards [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	0	0	0
Provision for loan losses	0	0	0
Charge-offs	0	0	0
Recoveries	0	0	0
Balance at end of year	0	0	0
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				0	0	0
Total	0	0	0	0	0	0
Loans receivables, individually evaluated for impairment				0	0	0
Loans receivables, collectively evaluated for impairment				0	0	0
Loans acquired with deteriorated credit quality				0	0	0
Total				0	0	0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member]
Activity in the allowance for credit losses for the years ended
Balance at beginning of year	0	0	1
Provision for loan losses	0	0	(1)
Charge-offs	0	0	(1)
Recoveries	0	0	0
Balance at end of year	0	0	0
Allowance for loan losses, individually evaluated for impairment				0	0	0
Allowance for loan losses, collectively evaluated for impairment				0	0	0
Total	$ 0	$ 0	$ 1	0	0	0
Loans receivables, individually evaluated for impairment				0	0	0
Loans receivables, collectively evaluated for impairment				0	0	0
Loans acquired with deteriorated credit quality				0	0	0
Total				$ 0	$ 0	$ 0

Loans and Leases - Nonperformin

Loans and Leases - Nonperforming Loans (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Summary of nonaccruing loans
Nonperforming loans	$ 214	$ 204
Total commercial [Member]
Summary of nonaccruing loans
Nonperforming loans	102	106
Total commercial [Member] | Commercial real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	44	53
Total commercial [Member] | Business [Member]
Summary of nonaccruing loans
Nonperforming loans	58	53
Total consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	111	98
Total consumer [Member] | Residential real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	32	34
Total consumer [Member] | Home equity [Member]
Summary of nonaccruing loans
Nonperforming loans	59	47
Total consumer [Member] | Indirect auto [Member]
Summary of nonaccruing loans
Nonperforming loans	15	13
Total consumer [Member] | Other consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	5	5
Originated loans [Member]
Summary of nonaccruing loans
Nonperforming loans	188	174
Originated loans [Member] | Total commercial [Member]
Summary of nonaccruing loans
Nonperforming loans	101	98
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	44	53
Originated loans [Member] | Total commercial [Member] | Business [Member]
Summary of nonaccruing loans
Nonperforming loans	56	45
Originated loans [Member] | Total consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	87	75
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	32	34
Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of nonaccruing loans
Nonperforming loans	36	24
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Summary of nonaccruing loans
Nonperforming loans	15	13
Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	5	5
Acquired loans [Member]
Summary of nonaccruing loans
Nonperforming loans	25	30
Acquired loans [Member] | Total commercial [Member]
Summary of nonaccruing loans
Nonperforming loans	1	7
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	0	0
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Summary of nonaccruing loans
Nonperforming loans	1	7
Acquired loans [Member] | Total consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	24	23
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of nonaccruing loans
Nonperforming loans	0	0
Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of nonaccruing loans
Nonperforming loans	24	23
Acquired loans [Member] | Total consumer [Member] | Indirect auto [Member]
Summary of nonaccruing loans
Nonperforming loans	0	0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of nonaccruing loans
Nonperforming loans	$ 0	$ 0

Loans and Leases - Interest Inc

Loans and Leases - Interest Income Foregone (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Details of additional information on loans
Additional interest income that would have been recorded if nonperforming loans had performed in accordance with original terms	$ 12	$ 8	$ 7

Loans and Leases - Impaired Loa

Loans and Leases - Impaired Loans (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Summary of impaired loans
Recorded investment	[1]	$ 166	$ 163
Total commercial [Member]
Summary of impaired loans
Recorded investment	[1]	116	128
Total consumer [Member]
Summary of impaired loans
Recorded investment	[1]	50	35
Originated loans [Member]
Summary of impaired loans
Recorded investment		162	156
Unpaid principal balance		239	215
Related allowance		10	6
Average recorded investment		205	153	$ 172
Interest income recognized		5	3	3
Originated loans [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		86	85
Unpaid principal balance		155	128
Related allowance		0	0
Originated loans [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		76	71
Unpaid principal balance		84	87
Related allowance		10	6
Originated loans [Member] | Total commercial [Member]
Summary of impaired loans
Recorded investment		116	125
Unpaid principal balance		186	179
Related allowance		9	4
Average recorded investment		163	122	142
Interest income recognized		3	3	2
Originated loans [Member] | Total commercial [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		54	69
Unpaid principal balance		115	110
Related allowance		0	0
Originated loans [Member] | Total commercial [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		63	56
Unpaid principal balance		71	70
Related allowance		9	4
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of impaired loans
Recorded investment		47	64
Unpaid principal balance		72	86
Related allowance		2	2
Average recorded investment		59	69	80
Interest income recognized		1	1	1
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		17	40
Unpaid principal balance		35	59
Related allowance		0	0
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		31	24
Unpaid principal balance		38	27
Related allowance		2	2
Originated loans [Member] | Total commercial [Member] | Business [Member]
Summary of impaired loans
Recorded investment		69	61
Unpaid principal balance		113	93
Related allowance		7	2
Average recorded investment		104	53	63
Interest income recognized		2	1	1
Originated loans [Member] | Total commercial [Member] | Business [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		37	29
Unpaid principal balance		80	51
Related allowance		0	0
Originated loans [Member] | Total commercial [Member] | Business [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		32	32
Unpaid principal balance		33	43
Related allowance		7	2
Originated loans [Member] | Total consumer [Member]
Summary of impaired loans
Recorded investment		45	31
Unpaid principal balance		53	36
Related allowance		0	2
Average recorded investment		43	31	29
Interest income recognized		3	0	1
Originated loans [Member] | Total consumer [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		32	16
Unpaid principal balance		40	18
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		13	16
Unpaid principal balance		13	17
Related allowance		0	2
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of impaired loans
Recorded investment		22	20
Unpaid principal balance		25	22
Related allowance		0	1
Average recorded investment		22	21	20
Interest income recognized		1	0	0
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		16	8
Unpaid principal balance		19	9
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		6	11
Unpaid principal balance		6	13
Related allowance		0	1
Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of impaired loans
Recorded investment		17	7
Unpaid principal balance		20	8
Related allowance		0	1
Average recorded investment		13	5	5
Interest income recognized		1	0	0
Originated loans [Member] | Total consumer [Member] | Home equity [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		12	3
Unpaid principal balance		15	4
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | Home equity [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		5	4
Unpaid principal balance		5	4
Related allowance		0	1
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Summary of impaired loans
Recorded investment		4	2
Unpaid principal balance		6	3
Related allowance		0	0
Average recorded investment		5	3	1
Interest income recognized		0	0	0
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		3	2
Unpaid principal balance		4	3
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		1	0
Unpaid principal balance		1	0
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of impaired loans
Recorded investment		2	2
Unpaid principal balance		3	2
Related allowance		0	0
Average recorded investment		3	3	3
Interest income recognized		0	0	0
Originated loans [Member] | Total consumer [Member] | Other consumer [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		2	2
Unpaid principal balance		2	2
Related allowance		0	0
Originated loans [Member] | Total consumer [Member] | Other consumer [Member] | With a related allowance recorded
Summary of impaired loans
Recorded investment		1	0
Unpaid principal balance		1	0
Related allowance		0	0
Acquired loans [Member]
Summary of impaired loans
Average recorded investment	[1]	1	3	9
Interest income recognized	[1]	0	0	0
Acquired loans [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment	[1]	4	7
Unpaid principal balance	[1]	6	9
Related allowance	[1]	0	0
Acquired loans [Member] | Total commercial [Member]
Summary of impaired loans
Average recorded investment		0	2	8
Interest income recognized		0	0	0
Acquired loans [Member] | Total commercial [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		0	3
Unpaid principal balance		0	3
Related allowance		0	0
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Summary of impaired loans
Average recorded investment		0	0	1
Interest income recognized		0	0	0
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		0	0
Unpaid principal balance		0	0
Related allowance		0	0
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Summary of impaired loans
Average recorded investment		0	2	7
Interest income recognized		0	0	0
Acquired loans [Member] | Total commercial [Member] | Business [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		0	3
Unpaid principal balance		0	3
Related allowance		0	0
Acquired loans [Member] | Total consumer [Member]
Summary of impaired loans
Average recorded investment		1	1	0
Interest income recognized		0	0	0
Acquired loans [Member] | Total consumer [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		4	4
Unpaid principal balance		6	6
Related allowance		0	0
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Summary of impaired loans
Average recorded investment		0	0	0
Interest income recognized		0	0	0
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		0	0
Unpaid principal balance		0	0
Related allowance		0	0
Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Summary of impaired loans
Average recorded investment		1	1	0
Interest income recognized		0	0	0
Acquired loans [Member] | Total consumer [Member] | Home equity [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		4	4
Unpaid principal balance		6	6
Related allowance		0	0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member]
Summary of impaired loans
Average recorded investment		0	0	0
Interest income recognized		0	0	$ 0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member] | With no related allowance recorded
Summary of impaired loans
Recorded investment		0	0
Unpaid principal balance		0	0
Related allowance		$ 0	$ 0
[1]	Includes nonperforming purchased credit impaired loans.

Loans and Leases - Reconciliati

Loans and Leases - Reconciliation of Nonperforming Loans to Impaired Loans (Details) - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonperforming loans		$ 214	$ 204
Plus: Accruing TDRs		63	67	$ 52
Less : Smaller balance nonperforming loans evaluated collectively when determining the allowance for loan losses		(110)	(108)
Total impaired loans	[1]	166	163
Total commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonperforming loans		102	106
Plus: Accruing TDRs		49	59
Less : Smaller balance nonperforming loans evaluated collectively when determining the allowance for loan losses		(35)	(36)
Total impaired loans	[1]	116	128
Total consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonperforming loans		111	98
Plus: Accruing TDRs		13	8
Less : Smaller balance nonperforming loans evaluated collectively when determining the allowance for loan losses		(75)	(71)
Total impaired loans	[1]	$ 50	$ 35
[1]	Includes nonperforming purchased credit impaired loans.

Loans and Leases - Past Due Agi

Loans and Leases - Past Due Aging Analysis (Details) - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Aging analysis of loans
Total		$ 24,038	$ 23,037
Total commercial [Member]
Aging analysis of loans
Total		14,665	13,979
Total commercial [Member] | Business [Member]
Aging analysis of loans
Total		6,013	5,775
Total consumer [Member]
Aging analysis of loans
Total		9,372	9,058
Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total		3,355	3,353
Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total		3,069	2,936
Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total		2,393	2,166
Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total		311	324
Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total		245	278
Originated loans [Member]
Aging analysis of loans
Total past due		182	154
Current		20,919	19,141
Total		21,101	19,296	$ 16,922
Greater than 90 days and accruing	[1]		3
Originated loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		90	69
Current		13,580	12,515
Total		13,670	12,584
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		39	40
Current		7,778	7,113
Total		7,817	7,154	6,354
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		51	28
Current		5,802	5,402
Total		5,853	5,430	4,876
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		92	85
Current		7,339	6,626
Total		7,431	6,711
Greater than 90 days and accruing	[1]	2	2
Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		26	27
Current		2,323	2,069
Total		2,349	2,096	1,902
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		26	19
Current		2,107	1,828
Total		2,133	1,847	1,618
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total past due		30	27
Current		2,364	2,139
Total		2,393	2,166	1,544
Greater than 90 days and accruing	[1]	0	0
Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total past due		5	6
Current		306	318
Total		311	324	325
Greater than 90 days and accruing	[1]	2	2
Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total past due		6	7
Current		239	271
Total		245	278	302
Greater than 90 days and accruing	[1]	0	0
Acquired loans [Member]
Aging analysis of loans
Total past due		107	139
Current		2,830	3,603
Total		2,937	3,742	4,517
Greater than 90 days and accruing	[1]	65	91
Acquired loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		25	38
Current		971	1,357
Total		996	1,395
Greater than 90 days and accruing	[1]	20	30
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		23	31
Current		812	1,019
Total		835	1,050	1,423
Greater than 90 days and accruing	[1]	20	26
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		2	7
Current		159	338
Total		160	345	414
Greater than 90 days and accruing	[1]	0	4
Acquired loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		82	101
Current		1,859	2,246
Total		1,941	2,347
Greater than 90 days and accruing	[1]	45	62
Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		60	72
Current		945	1,186
Total		1,005	1,257	1,546
Greater than 90 days and accruing	[1]	43	56
Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		22	29
Current		914	1,060
Total		936	1,089	1,134
Greater than 90 days and accruing	[1]	1	6
Acquired loans [Member] | Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total		0	0
Acquired loans [Member] | Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total		0	0	0
Acquired loans [Member] | Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total		0	0	$ 0
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member]
Aging analysis of loans
Total past due		64	41
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		34	11
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		8	7
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		26	5
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		31	29
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		5	4
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		3	3
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total past due		20	17
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total past due		2	2
Financing Receivables, 30 to 59 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total past due		2	3
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member]
Aging analysis of loans
Total past due		18	21
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		3	3
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		2	3
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		0	0
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		15	17
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		12	11
Financing Receivables, 30 to 59 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		3	6
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member]
Aging analysis of loans
Total past due		13	19
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		5	9
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		2	2
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		3	7
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		9	10
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		1	2
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		2	1
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total past due		4	4
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total past due		1	2
Financing Receivables, 60 to 89 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total past due		1	1
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member]
Aging analysis of loans
Total past due		7	9
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		1	3
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		1	3
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		0	0
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		6	7
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		5	5
Financing Receivables, 60 to 89 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		1	2
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member]
Aging analysis of loans
Total past due		104	95
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		52	49
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		29	31
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		23	17
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		53	46
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		20	21
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		22	15
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Indirect auto [Member]
Aging analysis of loans
Total past due		6	5
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Credit cards [Member]
Aging analysis of loans
Total past due		2	2
Financing Receivables, Greater than 90 Days Past Due [Member] | Originated loans [Member] | Total consumer [Member] | Other consumer [Member]
Aging analysis of loans
Total past due		3	3
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member]
Aging analysis of loans
Total past due		82	109
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member]
Aging analysis of loans
Total past due		21	33
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Aging analysis of loans
Total past due		20	26
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total commercial [Member] | Business [Member]
Aging analysis of loans
Total past due		1	7
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member]
Aging analysis of loans
Total past due		61	77
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Residential real estate [Member]
Aging analysis of loans
Total past due		43	56
Financing Receivables, Greater than 90 Days Past Due [Member] | Acquired loans [Member] | Total consumer [Member] | Home equity [Member]
Aging analysis of loans
Total past due		$ 18	$ 21
[1]	Includes credit card loans, loans that have matured and are in the process of collection, and acquired loans that were originally recorded at fair value upon acquisition. Acquired loans are considered to be accruing as we can reasonably estimate future cash flows on these acquired loans and we expect to fully collect the carrying value of these loans net of the allowance for acquired loan losses. Therefore, we are accreting the difference between the carrying value of these loans and their expected cash flows into interest income.

Loans and Leases - Commercial C

Loans and Leases - Commercial Credit Quality Indicators (Details) - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 24,038	$ 23,037
Total commercial [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		14,665	13,979
Total commercial [Member] | Business [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		6,013	5,775
Total commercial [Member] | Commercial real estate [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		7,375	7,231
Originated Loans
Information about the credit quality of our commercial loan portfolio
Loans receivable		21,101	19,296	$ 16,922
Originated Loans | Total commercial [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 13,670	$ 12,584
Percent of total		100.00%	100.00%
Originated Loans | Total commercial [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 672	$ 726
Percent of total	[1]	4.90%	5.80%
Originated Loans | Total commercial [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 571	$ 628
Percent of total	[1]	4.20%	5.00%
Originated Loans | Total commercial [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 101	$ 98
Percent of total	[1]	0.70%	0.80%
Originated Loans | Total commercial [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 12,998	$ 11,858
Percent of total		95.10%	94.20%
Originated Loans | Total commercial [Member] | Commercial real estate [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 7,817	$ 7,154	6,354
Originated Loans | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	307	363
Originated Loans | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	262	310
Originated Loans | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	44	53
Originated Loans | Total commercial [Member] | Commercial real estate [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		7,510	6,791
Originated Loans | Total commercial [Member] | Business [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		5,853	5,430	4,876
Originated Loans | Total commercial [Member] | Business [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	365	363
Originated Loans | Total commercial [Member] | Business [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	308	318
Originated Loans | Total commercial [Member] | Business [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	56	45
Originated Loans | Total commercial [Member] | Business [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		5,488	5,067
Originated Loans | Total commercial [Member] | Commercial real estate [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		6,539	6,181
Acquired loans [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		2,937	3,742	4,517
Acquired loans [Member] | Total commercial [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 996	$ 1,395
Percent of total		100.00%	100.00%
Acquired loans [Member] | Total commercial [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 114	$ 153
Percent of total	[1]	11.50%	10.90%
Acquired loans [Member] | Total commercial [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 113	$ 145
Percent of total	[1]	11.40%	10.40%
Acquired loans [Member] | Total commercial [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	$ 1	$ 7
Percent of total	[1]	0.10%	0.50%
Acquired loans [Member] | Total commercial [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 881	$ 1,243
Percent of total		88.50%	89.10%
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 835	$ 1,050	1,423
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	87	102
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	87	102
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	0	0
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		748	948
Acquired loans [Member] | Total commercial [Member] | Business [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		160	345	$ 414
Acquired loans [Member] | Total commercial [Member] | Business [Member] | Criticized [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	27	51
Acquired loans [Member] | Total commercial [Member] | Business [Member] | Criticized [Member] | Accrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	26	43
Acquired loans [Member] | Total commercial [Member] | Business [Member] | Criticized [Member] | Nonaccrual
Information about the credit quality of our commercial loan portfolio
Loans receivable	[1]	1	7
Acquired loans [Member] | Total commercial [Member] | Business [Member] | Pass [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		133	294
Acquired loans [Member] | Total commercial [Member] | Commercial real estate [Member]
Information about the credit quality of our commercial loan portfolio
Loans receivable		$ 835	$ 1,050
[1]	Includes special mention, substandard, doubtful, and loss, which are consistent with regulatory definitions, and as described in Part I, Item 1, “Business,” under the heading “Asset Quality Review.”

Loans and Leases - Consumer Cre

Loans and Leases - Consumer Credit Quality Indicators - Refreshed FICO (Details) - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 24,038	$ 23,037
Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		21,101	19,296	$ 16,922
Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		2,937	3,742	4,517
Total consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		9,372	9,058
Total consumer [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		3,355	3,353
Total consumer [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		3,069	2,936
Total consumer [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		2,393	2,166
Total consumer [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		311	324
Total consumer [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		245	278
Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 7,431	$ 6,711
Percent of total		100.00%	100.00%
Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 2,349	$ 2,096	1,902
Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		2,133	1,847	1,618
Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		2,393	2,166	1,544
Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		311	324	325
Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		245	278	302
Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 1,941	$ 2,347
Percent of total		100.00%	100.00%
Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 1,005	$ 1,257	1,546
Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		936	1,089	1,134
Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0	0
Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0	$ 0
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 5,932	$ 5,296
Percent of total		79.80%	78.90%
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 2,084	$ 1,841
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		1,767	1,529
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		1,700	1,533
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		220	226
Greater than 700 [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		161	167
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 1,432	$ 1,723
Percent of total		73.80%	73.40%
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 682	$ 872
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		750	851
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Greater than 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 791	$ 752
Percent of total		10.70%	11.20%
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 139	$ 124
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		197	182
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		364	347
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		50	53
Range 660 - 700 [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		41	46
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 154	$ 180
Percent of total		7.90%	7.70%
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 77	$ 87
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		76	93
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 660 - 700 [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 365	$ 339
Percent of total		4.90%	5.00%
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 60	$ 62
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		85	71
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		177	159
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		23	24
Range 620 - 660 [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		21	24
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 100	$ 113
Percent of total		5.20%	4.80%
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 59	$ 61
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		42	52
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 620 - 660 [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 166	$ 148
Percent of total		2.20%	2.20%
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 30	$ 28
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		39	31
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		74	64
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		10	11
Range 580 - 620 [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		12	13
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 72	$ 88
Percent of total		3.70%	3.80%
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 43	$ 49
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		29	40
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Range 580 - 620 [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 169	$ 146
Percent of total		2.30%	2.20%
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 31	$ 32
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		44	32
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		78	63
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		7	8
Less than 580 [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		10	12
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 68	$ 91
Percent of total		3.50%	3.90%
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		$ 44	$ 57
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		24	34
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
Less than 580 [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable		0	0
No Score [Member] | Total consumer [Member] | Originated loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	$ 8	$ 31
Percent of total	[1]	0.10%	0.50%
No Score [Member] | Total consumer [Member] | Originated loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	$ 4	$ 9
No Score [Member] | Total consumer [Member] | Originated loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	2	1
No Score [Member] | Total consumer [Member] | Originated loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	0	0
No Score [Member] | Total consumer [Member] | Originated loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	2	3
No Score [Member] | Total consumer [Member] | Originated loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	0	17
No Score [Member] | Total consumer [Member] | Acquired loans [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	$ 115	$ 151
Percent of total	[1]	5.90%	6.40%
No Score [Member] | Total consumer [Member] | Acquired loans [Member] | Residential real estate [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	$ 100	$ 131
No Score [Member] | Total consumer [Member] | Acquired loans [Member] | Home equity [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	16	20
No Score [Member] | Total consumer [Member] | Acquired loans [Member] | Indirect auto [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	0	0
No Score [Member] | Total consumer [Member] | Acquired loans [Member] | Credit cards [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	0	0
No Score [Member] | Total consumer [Member] | Acquired loans [Member] | Other consumer [Member]
Information about the credit quality of our consumer loan portfolio
Loans receivable	[1]	$ 0	$ 0
[1]	Primarily includes loans that are serviced by others for which refreshed FICO scores were not available as of the date indicated.

Loans and Leases - Summary of T

Loans and Leases - Summary of Troubled Debt Restructurings (Details) - USD ($) $ in Millions		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Aggregate recorded investment of impaired loans with terms through troubled debt restructuring
Accruing interest		$ 63	$ 67	$ 52
Nonaccrual		52	53	56
Total troubled debt restructurings	[1]	$ 115	$ 120	$ 108
[1]	Includes 102 and 87 acquired loans that were restructured with a recorded investment of $4 million at both December 31, 2015 and 2014.

Loans and Leases - Troubled Deb

Loans and Leases - Troubled Debt Restructuring by Concession Type (Details) $ in Millions		12 Months Ended
		Dec. 31, 2015USD ($)Contract	Dec. 31, 2014USD ($)Contract
Financing effects of our modifications
Count | Contract		458	496
Postmodification recorded investment	[1]	$ 37	$ 70
Premodification allowance for loan losses		0	8
Postmodification allowance for loan losses		$ 0	$ 2
Total commercial [Member]
Financing effects of our modifications
Count | Contract		22	31
Postmodification recorded investment	[1]	$ 21	$ 56
Premodification allowance for loan losses		0	8
Postmodification allowance for loan losses		$ 0	$ 2
Total commercial [Member] | Commercial real estate [Member] | Extension of Term [Member]
Financing effects of our modifications
Count | Contract		6	10
Postmodification recorded investment	[1]	$ 5	$ 20
Premodification allowance for loan losses		0	1
Postmodification allowance for loan losses		$ 0	$ 0
Total commercial [Member] | Commercial real estate [Member] | Deferral of principal [Member]
Financing effects of our modifications
Count | Contract		8
Postmodification recorded investment	[1]	$ 15
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total commercial [Member] | Commercial real estate [Member] | Deferral of Principal and Extension of Term [Member]
Financing effects of our modifications
Count | Contract		1
Postmodification recorded investment	[1]	$ 0
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total commercial [Member] | Commercial real estate [Member] | Rate reduction [Member]
Financing effects of our modifications
Count | Contract			1
Postmodification recorded investment	[1]		$ 3
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 1
Total commercial [Member] | Commercial real estate [Member] | Extension of Term and Rate Reduction [Member]
Financing effects of our modifications
Count | Contract		1	3
Postmodification recorded investment	[1]	$ 0	$ 1
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total commercial [Member] | Business [Member] | Extension of Term [Member]
Financing effects of our modifications
Count | Contract			15
Postmodification recorded investment	[1]		$ 32
Premodification allowance for loan losses			6
Postmodification allowance for loan losses			$ 1
Total commercial [Member] | Business [Member] | Deferral of principal [Member]
Financing effects of our modifications
Count | Contract		1
Postmodification recorded investment	[1]	$ 1
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total commercial [Member] | Business [Member] | Deferral of Principal and Extension of Term [Member]
Financing effects of our modifications
Count | Contract		2
Postmodification recorded investment	[1]	$ 0
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total commercial [Member] | Business [Member] | Rate reduction [Member]
Financing effects of our modifications
Count | Contract		2
Postmodification recorded investment	[1]	$ 0
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total commercial [Member] | Business [Member] | Extension of Term and Rate Reduction [Member]
Financing effects of our modifications
Count | Contract			2
Postmodification recorded investment	[1]		$ 0
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 0
Total commercial [Member] | Business [Member] | Other Restructuring [Member]
Financing effects of our modifications
Count | Contract		1
Postmodification recorded investment	[1]	$ 0
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total consumer [Member]
Financing effects of our modifications
Count | Contract		436	465
Postmodification recorded investment	[1]	$ 16	$ 14
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Residential real estate [Member] | Extension of Term [Member]
Financing effects of our modifications
Count | Contract		14	6
Postmodification recorded investment	[1]	$ 2	$ 1
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Residential real estate [Member] | Deferral of Principal and Extension of Term [Member]
Financing effects of our modifications
Count | Contract			7
Postmodification recorded investment	[1]		$ 1
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 0
Total consumer [Member] | Residential real estate [Member] | Rate reduction [Member]
Financing effects of our modifications
Count | Contract		8	2
Postmodification recorded investment	[1]	$ 1	$ 0
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Residential real estate [Member] | Extension of Term and Rate Reduction [Member]
Financing effects of our modifications
Count | Contract		10	14
Postmodification recorded investment	[1]	$ 1	$ 2
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Residential real estate [Member] | Other Restructuring [Member]
Financing effects of our modifications
Count | Contract			3
Postmodification recorded investment	[1]		$ 0
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 0
Total consumer [Member] | Residential real estate [Member] | Chapter 7 bankruptcy [Member]
Financing effects of our modifications
Count | Contract		15	14
Postmodification recorded investment	[1]	$ 1	$ 1
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Home equity [Member] | Extension of Term [Member]
Financing effects of our modifications
Count | Contract		3	3
Postmodification recorded investment	[1]	$ 0	$ 0
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Home equity [Member] | Deferral of Principal and Extension of Term [Member]
Financing effects of our modifications
Count | Contract			2
Postmodification recorded investment	[1]		$ 0
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 0
Total consumer [Member] | Home equity [Member] | Extension of Term and Rate Reduction [Member]
Financing effects of our modifications
Count | Contract		5	10
Postmodification recorded investment	[1]	$ 0	$ 0
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Home equity [Member] | Other Restructuring [Member]
Financing effects of our modifications
Count | Contract		2	18
Postmodification recorded investment	[1]	$ 0	$ 1
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Home equity [Member] | Chapter 7 bankruptcy [Member]
Financing effects of our modifications
Count | Contract		93	79
Postmodification recorded investment	[1]	$ 6	$ 3
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Indirect auto [Member] | Chapter 7 bankruptcy [Member]
Financing effects of our modifications
Count | Contract		273	273
Postmodification recorded investment	[1]	$ 4	$ 5
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
Total consumer [Member] | Other consumer [Member] | Extension of Term [Member]
Financing effects of our modifications
Count | Contract			1
Postmodification recorded investment	[1]		$ 0
Premodification allowance for loan losses			0
Postmodification allowance for loan losses			$ 0
Total consumer [Member] | Other consumer [Member] | Extension of Term and Rate Reduction [Member]
Financing effects of our modifications
Count | Contract		1
Postmodification recorded investment	[1]	$ 0
Premodification allowance for loan losses		0
Postmodification allowance for loan losses		$ 0
Total consumer [Member] | Other consumer [Member] | Chapter 7 bankruptcy [Member]
Financing effects of our modifications
Count | Contract		12	33
Postmodification recorded investment	[1]	$ 0	$ 0
Premodification allowance for loan losses		0	0
Postmodification allowance for loan losses		$ 0	$ 0
[1]	Postmodification balances approximate premodification balances. The aggregate amount of charge-offs as a result of the restructurings was $3 million for the year ended December 31, 2015 and was not significant for the year ended December 31, 2014.

Loans and Leases - Information

Loans and Leases - Information about Residential Mortgage Banking (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Information about residential mortgage loans
Loans classified as held for sale	$ 46	$ 40	$ 50
Loans sold during the year	746	663	1,400
Gain on sale of loans, net	8	5	12
Mortgages serviced for others	4,023	3,841	3,665
Mortgage servicing asset recorded for loans serviced for others, net	$ 38	$ 37	$ 35

Loans and Leases (Details Textu

Loans and Leases (Details Textual) $ in Thousands		3 Months Ended	6 Months Ended	12 Months Ended
		Mar. 31, 2014USD ($)	Jun. 30, 2014USD ($)	Dec. 31, 2015USD ($)paymentLoan	Dec. 31, 2014USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of segments in portfolio				2
Liability for unfunded commitments				$ 16,000	$ 16,000
Provision for credit losses for unfunded commitments				0	3,000
Home equity portfolio				3,100,000	2,900,000
Portion of home equity portfolio in first lien position				$ 1,200,000	$ 1,100,000
Percentage of home equity portfolio first lien loan hold and service				10.00%	10.00%
Related Party, Total Commitments to Extend Credit				$ 41,000
Loans and Leases Receivable, Related Parties				$ 32,000
Other changes in accretable yield	[1]				$ 55,000
Carrying value of impaired loans, less related allowance, as percent of principal				64.00%	70.00%
Minimum number of payments of restructured loan | payment				6
Threshold Loans Individually Impaired		$ 200	$ 1,000	$ 1,000
Troubled debt restructures acquired loan portfolio count | Loan				102	87
Troubled debt restructures acquired loan portfolio				$ 4,000	$ 4,000
Charge-offs resulting from restructuring				3,000
TDRs with payment default				$ 4,000
[1]	Includes changes in expected cash flows from changes in interest rate and prepayment assumptions.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
A summary of our premises and equipment
Land	$ 26	$ 29
Buildings and leasehold improvements	241	290
Furniture and equipment	417	339
Total	683	658
Accumulated depreciation	(274)	(251)
Premises and equipment, net	410	407
Premises and Equipment (Textual) [Abstract]
Rent expense	$ 35	$ 32	$ 33

Goodwill and Other Intangible68

Goodwill and Other Intangible Assets - Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Information regarding our goodwill
Goodwill, beginning	$ 1,350,000,000	$ 2,449,000,000
Acquisitions		1,000,000
Goodwill impairment	0	(1,100,000,000)	$ 0
Disposal	(2,000,000)
Goodwill, ending	1,348,000,000	1,350,000,000	2,449,000,000
Banking [Member]
Information regarding our goodwill
Goodwill, beginning	1,281,000,000	2,381,000,000
Acquisitions		0
Goodwill impairment		(1,100,000,000)
Disposal	0
Goodwill, ending	1,281,000,000	1,281,000,000	2,381,000,000
Financial services [Member]
Information regarding our goodwill
Goodwill, beginning	69,000,000	68,000,000
Acquisitions		1,000,000
Goodwill impairment		0
Disposal	(2,000,000)
Goodwill, ending	$ 67,000,000	$ 69,000,000	$ 68,000,000

Goodwill and Other Intangible69

Goodwill and Other Intangible Assets - Amortizing Intangible Assets (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Information regarding our amortizing intangible assets
Net carrying amount	$ 48	$ 67
Core deposit intangible [Member]
Information regarding our amortizing intangible assets
Finite-Lived Intangible Asset, Gross	191	191
Accumulated amortization	(170)	(158)
Net carrying amount	21	33
Other intangibles [Member]
Information regarding our amortizing intangible assets
Finite-Lived Intangible Asset, Gross	100	100
Accumulated amortization	(73)	(66)
Net carrying amount	$ 27	$ 34

Goodwill and Other Intangible70

Goodwill and Other Intangible Assets - Future Amortization Expense (Details) $ in Millions	Dec. 31, 2015USD ($)
Goodwill [Line Items]
2,016	$ 13
2,017	12
2,018	9
2,019	5
2,020	4
Thereafter	6
First quarter [Member]
Goodwill [Line Items]
2,020	1
Second quarter [Member]
Goodwill [Line Items]
2,020	1
Third quarter [Member]
Goodwill [Line Items]
2,020	1
Fourth quarter [Member]
Goodwill [Line Items]
2,020	1
First quarter [Member]
Goodwill [Line Items]
2,019	2
Second quarter [Member]
Goodwill [Line Items]
2,019	1
Third quarter [Member]
Goodwill [Line Items]
2,019	1
Fourth quarter [Member]
Goodwill [Line Items]
2,019	1
First quarter [Member]
Goodwill [Line Items]
2,018	3
Second quarter [Member]
Goodwill [Line Items]
2,018	2
Third quarter [Member]
Goodwill [Line Items]
2,018	2
Fourth quarter [Member]
Goodwill [Line Items]
2,018	2
First quarter [Member]
Goodwill [Line Items]
2,017	3
Second quarter [Member]
Goodwill [Line Items]
2,017	3
Third quarter [Member]
Goodwill [Line Items]
2,017	3
Fourth quarter [Member]
Goodwill [Line Items]
2,017	3
First quarter [Member]
Goodwill [Line Items]
2,016	4
Second quarter [Member]
Goodwill [Line Items]
2,016	3
Third quarter [Member]
Goodwill [Line Items]
2,016	3
Fourth quarter [Member]
Goodwill [Line Items]
2,016	$ 3

Goodwill and Other Intangible71

Goodwill and Other Intangible Assets (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill [Line Items]
Goodwill impairment	$ 0	$ 1,100,000,000	$ 0
Banking [Member]
Goodwill [Line Items]
Goodwill impairment		$ 1,100,000,000

Deposits - Composition, Rates a

Deposits - Composition, Rates and Interest Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Core deposits:
Savings, balance	$ 3,390	$ 3,452
Savings, weighted average rate	0.09%	0.09%
Interest-bearing checking, balance	$ 5,479	$ 5,084
Interest-bearing checking, weighted average rate	0.03%	0.03%
Money market deposits, balance	$ 10,654	$ 9,962
Money market deposits, weighted average rate	0.29%	0.22%
Noninterest-bearing, balance	$ 5,835	$ 5,407
Noninterest-bearing, weighted average rate	0.00%	0.00%
Total core deposits, balance	$ 25,357	$ 23,906
Total core deposits, weighted average rate	0.14%	0.11%
Certificates, balance	$ 3,344	$ 3,876
Certificates, weighted average rate	0.84%	0.69%
Total deposits, balance	$ 28,701	$ 27,781
Total deposits, weighted average rate	0.23%	0.19%
Interest expense on deposits
Certificates	$ 31	$ 27	$ 26
Money market deposits	30	22	21
Savings	3	3	4
Interest bearing checking	2	2	2
Total interest expense	$ 66	$ 53	$ 53

Deposits (Details Textual)

Deposits (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Deposits (Textual) [Abstract]
Municipal deposits	$ 3,400	$ 3,300
Brokered money market deposits	420	412
Brokered certificates of deposit	$ 941	1,200	$ 739
Interest rates on certificates minimum	0.05%
Interest rates on certificates maximum	4.50%
Certificates of Deposits issued over $100 thousand	$ 812	938	928
Interest Expense certificates of deposit $100,000 or More	$ 9	$ 10	$ 11

Borrowings - Composition Outsta

Borrowings - Composition Outstanding (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Short-term borrowings:
FHLB advances	$ 3,950	$ 5,049
Repurchase agreements	399	423
Total short-term borrowings	4,349	5,472
Long-term borrowings:
FHLB advances	1,575	0
Senior notes (maturing in 2020)	298	298
Subordinated notes (maturing in 2021)	299	298
Junior subordinated debentures (maturing between 2030 and 2037)	115	114
Other (maturing between 2015 and 2032)	21	23
Total long-term borrowings	2,308	734
Total borrowings	$ 6,657	$ 6,206

Borrowings - Interest Expense (

Borrowings - Interest Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest expense by debt instrument [Line Items]
Interest expense	$ 76	$ 69	$ 64
FHLB advances
Interest expense by debt instrument [Line Items]
Interest expense	27	19	14
Repurchase agreements
Interest expense by debt instrument [Line Items]
Interest expense	1	1	1
Senior notes
Interest expense by debt instrument [Line Items]
Interest expense	21	21	21
Subordinated notes
Interest expense by debt instrument [Line Items]
Interest expense	23	23	23
Junior subordinated debentures
Interest expense by debt instrument [Line Items]
Interest expense	$ 5	$ 5	$ 5

Borrowings Borrowings - Junior

Borrowings Borrowings - Junior Subordinated Debentures (Details) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)Rate
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	London Interbank Offered Rate (“LIBOR”) plus 185 basis points
Principal amount of subordinated debentures	$ 142
Principal amount of trust preferred securities	$ 138
HNC Statutory Trust III [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	1.40%
Principal amount of subordinated debentures	$ 26
Principal amount of trust preferred securities	$ 25
Willow Grove Statutory Trust I [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	1.31%
Principal amount of subordinated debentures	$ 26
Principal amount of trust preferred securities	$ 25
HNC Statutory Trust IV [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	1.28%
Principal amount of subordinated debentures	$ 23
Principal amount of trust preferred securities	$ 23
HNC Statutory Trust II [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	2.70%
Principal amount of subordinated debentures	$ 21
Principal amount of trust preferred securities	$ 20
First Niagara Financial Group Statutory Trust I [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	2.70%
Principal amount of subordinated debentures	$ 12
Principal amount of trust preferred securities	$ 12
Westbank Capital Trust II [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	2.19%
Principal amount of subordinated debentures	$ 9
Principal amount of trust preferred securities	$ 9
Westbank Capital Trust III [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	2.19%
Principal amount of subordinated debentures	$ 9
Principal amount of trust preferred securities	$ 9
East Penn Statutory Trust I [Member]
Subordinated Borrowing [Line Items]
Junior subordinated debentures with variable interest rate, 3 month LIBOR plus	3 month LIBOR +
Variable interest rate, three month LIBOR spread | Rate	3.10%
Principal amount of subordinated debentures	$ 8
Principal amount of trust preferred securities	$ 8
Harleysville Statutory Trust I [Member]
Subordinated Borrowing [Line Items]
Fixed interest rate | Rate	10.20%
Principal amount of subordinated debentures	$ 5
Principal amount of trust preferred securities	$ 5
Alliance Capital Trust II [Member]
Subordinated Borrowing [Line Items]
Fixed interest rate | Rate	10.88%
Principal amount of subordinated debentures	$ 4
Principal amount of trust preferred securities	$ 4

Borrowings - Aggregate Maturiti

Borrowings - Aggregate Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Aggregate Maturities of long term Borrowings
2,016	$ 1,277
2,017	302
2,018	2
2,019	2
2,020	2
Thereafter	723
Total long-term borrowings	$ 2,308	$ 734

Borrowings (Details Textual)

Borrowings (Details Textual)	12 Months Ended
	Dec. 31, 2015USD ($)Trust	Dec. 31, 2014USD ($)
Debt instrument [Line Items]
FHLB advances fixed interest rates, minimum	0.48%
FHLB advances fixed interest rates, maximum	1.13%
FHLB advances bear fixed interest weighted average rate	0.76%	0.48%
Repurchase agreements fixed interest rates, minimum	0.02%
Repurchase agreements fixed interest rates, maximum	0.15%
Repurchase agreements bear fixed interest weighted average rate	0.10%	0.14%
Rates paid on senior notes	6.75%
Rate paid on subordinated notes	7.25%
Subordinated debenture interest rates, minimum	1.60%
Subordinated debenture interest rates, maximum	10.88%
Subordinated debenture weighted interest rates	2.83%
FHLB facility total	$ 5,900,000,000	$ 5,700,000,000
FHLB facility, utilized	5,600,000,000	5,100,000,000
FHLB facility, secured by real estate loans	4,100,000,000	4,300,000,000
FHLB facility, secured by investment securities	1,900,000,000	1,400,000,000
Federal Reserve Bank facility not utilized	908,000,000	867,000,000
Commercial banks facility, not utilized	$ 250,000,000	250,000,000
Line of credit rate commercial bank	London Interbank Offered Rate (“LIBOR”) plus 185 basis points
Period Change in debt basis spread on variable rate user condition one	30 days
Period change in debt basis spread on variable rate user condition two	90 days
Securities held to maturity were pledged to collateralize the borrowings	$ 0
Junior subordinated debentures	115,000,000	$ 114,000,000
Principal amount of subordinated debentures	$ 142,000,000
First Niagara Financial Group Statutory Trust
Debt instrument [Line Items]
Number of statutory trusts | Trust	6
Acquired from Merger with Harleysville, New Alliance and related to First Niagara Statutory Trusts I
Debt instrument [Line Items]
Number of statutory trusts | Trust	3
Equity method investments classified as other assets	$ 4,000,000
Junior Subordinated debentures of the Company held by Statutory Trusts | Acquired from Merger with Harleysville, New Alliance and related to First Niagara Statutory Trusts I
Debt instrument [Line Items]
Carrying value of junior subordinated debentures of the Company	115,000,000
Preferred subordinate debentures | Acquired from Merger with Harleysville, New Alliance and related to First Niagara Statutory Trusts I
Debt instrument [Line Items]
Unamortized fair value adjustment related to merger with Harleysville	$ 28,000,000

Derivative Financial Instrume79

Derivative Financial Instruments - Notional Amount and Fair Value of Derivative Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Derivative financial instruments
Asset Derivatives, Notional Amount	$ 4,224	$ 3,633
Asset Derivatives, Fair Value	123	96
Liability Derivatives, Notional Amount	4,487	3,679
Liability Derivatives, Fair Value	128	97
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member]
Derivative financial instruments
Asset Derivatives, Notional Amount	2	4
Asset Derivatives, Fair Value	0	0
Liability Derivatives, Notional Amount	263	30
Liability Derivatives, Fair Value	4	2
Interest Rate Swap [Member] | Not Designated as Hedging Instrument [Member]
Derivative financial instruments
Asset Derivatives, Notional Amount	4,221	3,629
Asset Derivatives, Fair Value	123	96
Liability Derivatives, Notional Amount	4,224	3,649
Liability Derivatives, Fair Value	$ 124	$ 96

Derivative Financial Instrume80

Derivative Financial Instruments - Amount of Gain/Loss Recognized for Derivative Instruments (Details) - Interest Rate Swap [Member] - Cash Flow Hedging [Member] - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest rate swap agreements:
Amount of gain (loss) on derivatives recognized in other comprehensive income, net of tax		$ (1)	$ 1	$ 1
Interest Expense [Member]
Interest rate swap agreements:
Amount of (loss) on derivatives reclassified from other comprehensive income to income	[1]	$ (1)	$ (1)	$ (1)
[1]	Recognized in interest expense on borrowings in our Consolidated Statements of Income.

Derivative Financial Instrume81

Derivative Financial Instruments (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Derivative Instruments, Gain (Loss) [Line Items]
Net liability positions with counterparties		$ 93
Gross amounts of recognized liabilities to be offset with asset		96
Gross amount of asset offsetting liabilities in the Statement of Condition		3
Collateral posted for net liability positions	$ 195	130
Loss in accumulated other comprehensive income borrowings previously hedged	6	5	$ 6	$ 6
Nonterminated swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Loss in accumulated other comprehensive income borrowings previously hedged	1
Terminated swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Loss in accumulated other comprehensive income borrowings previously hedged	4
Customer Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative Revenue	$ 14	$ 13

Commitments and Contingent Li82

Commitments and Contingent Liabilities - Loan Commitments (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Outstanding commitments to originate loans:
Fixed rate	$ 252	$ 265
Variable rate	1,579	1,522
Total commitments outstanding	1,832	1,787
Commitments to sell residential mortgages	130	137
Unused lines of credit
Outstanding commitments to originate loans:
Unused lines of credit	9,891	9,319
Standby letters of credit
Outstanding commitments to originate loans:
Standby letters of credit	$ 252	$ 266

Commitments and Contingent Li83

Commitments and Contingent Liabilities Commitments and Contingent Liabilities - Lease Commitments (Details) $ in Millions	Dec. 31, 2015USD ($)
Operating leases, future minimum payments [Abstract]
2,016	$ 35
2,017	31
2,018	28
2,019	26
2,020	22
Thereafter through 2041	71	[1]
Capital leases, future minimum payments [Abstract]
2,016	3
2,017	3
2,018	3
2,019	3
2,020	3
Thereafter through 2032	$ 13	[2]
[1]	Thereafter through 2041.
[2]	Thereafter through 2032.

Commitments and Contingent Li84

Commitments and Contingent Liabilities (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
Liability for unfunded commitments	$ 16	$ 16
Provision for credit losses for unfunded commitments	$ 0	$ 3

Capital (Details)

Capital (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
First Niagara Financial Group, Inc.
Actual capital amounts, ratios, and requirements
Leverage ratio amount	$ 2,911	$ 2,764
Leverage ratio	7.62%	7.50%
Leverage capital for capital adequacy purposes	$ 1,528	$ 1,474
Leverage ratio for capital adequacy purposes	4.00%	4.00%
Leverage ratio required to be well-capitalized value	$ 1,910	$ 1,843
Leverage ratio required to be well-capitalized	5.00%	5.00%
Tier one risk-based capital	$ 2,911	$ 2,764
Tier one risk-based capital ratio	10.08%	9.81%
Tier one risk-based capital for capital adequacy purposes	$ 1,733	$ 1,127
Tier one risk-based capital ratio for capital adequacy purposes	6.00%	4.00%
Tier one risk-based capital to be well-capitalized	$ 2,311	$ 1,691
Tier one risk-based capital ratio to be well-capitalized	8.00%	6.00%
Tota risk-based capital	$ 3,468	$ 3,313
Total risk-based capital ratio	12.01%	11.75%
Total risk-based capital for capital adequacy purposes	$ 2,310	$ 2,256
Total risk-based capital ratio for capital adequacy purposes	8.00%	8.00%
Total risk-based capital to be well-capitalized	$ 2,888	$ 2,819
Total risk-based capital ratio to be well-capitalized	10.00%	10.00%
Tier 1 common capital	$ 2,470	$ 2,312
Tier 1 common capital ratio	8.55%	8.20%
Common equity tier 1 capital for capital adequacy purposes	$ 1,300
Common equity tier 1 capital ratio for capital adequacy purposes	4.50%
Common equity tier 1 capital to be well-capitalized	$ 1,878
Common equity tier 1 capital ratio to be well-capitalized	6.50%
First Niagara Bank, N.A.
Actual capital amounts, ratios, and requirements
Leverage ratio amount	$ 3,070	$ 2,949
Leverage ratio	8.05%	8.01%
Leverage capital for capital adequacy purposes	$ 1,525	$ 1,473
Leverage ratio for capital adequacy purposes	4.00%	4.00%
Leverage ratio required to be well-capitalized value	$ 1,907	$ 1,841
Leverage ratio required to be well-capitalized	5.00%	5.00%
Tier one risk-based capital	$ 3,070	$ 2,949
Tier one risk-based capital ratio	10.65%	10.48%
Tier one risk-based capital for capital adequacy purposes	$ 1,729	$ 1,126
Tier one risk-based capital ratio for capital adequacy purposes	6.00%	4.00%
Tier one risk-based capital to be well-capitalized	$ 2,306	$ 1,688
Tier one risk-based capital ratio to be well-capitalized	8.00%	6.00%
Tota risk-based capital	$ 3,328	$ 3,199
Total risk-based capital ratio	11.55%	11.37%
Total risk-based capital for capital adequacy purposes	$ 2,305	$ 2,251
Total risk-based capital ratio for capital adequacy purposes	8.00%	8.00%
Total risk-based capital to be well-capitalized	$ 2,881	$ 2,814
Total risk-based capital ratio to be well-capitalized	10.00%	10.00%
Tier 1 common capital	$ 3,070
Tier 1 common capital ratio	10.65%
Common equity tier 1 capital for capital adequacy purposes	$ 1,297
Common equity tier 1 capital ratio for capital adequacy purposes	4.50%
Common equity tier 1 capital to be well-capitalized	$ 1,874
Common equity tier 1 capital ratio to be well-capitalized	6.50%

Capital (Detail Textual)

Capital (Detail Textual) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2009
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
The Company had less than $15 billion in assets at December 31, 2009	$ 39,918	$ 38,551		$ 15,000
Goodwill impairment	0	1,100	$ 0
Dividends paid	100	80
Return of capital from subsidiary	$ 90	$ 85
Repurchase of shares upon ESOP termination		1,704,290
Common stock
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Shares authorized to be repurchased	12,000,000
Series B Preferred Stock [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Preferred rate of dividend	8.625%
Dividends paid at floating rate	7.327%
Redemption price per share	$ 25
Junior Subordinated Debt [Member] | Six Statutory Trust Affiliates [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Carrying value of junior subordinated debentures of the Company	$ 115

Income Taxes - Components of Ex

Income Taxes - Components of Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal	$ 69	$ 36	$ 119
State	3	4	4
Current income tax expense	72	41	123
Deferred taxes (benefit):
Federal	5	(136)	3
State	1	(14)	1
Deferred income tax (benefit) expense	6	(150)	5
Income tax expense (benefit)	$ 79	$ (109)	$ 128

Income Taxes - Actual Expense V

Income Taxes - Actual Expense Vs Statutory Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Tax expense (benefit) at statutory rate	$ 106	$ (289)	$ 148
Increase (decrease) attributable to:
State income taxes, net of Federal benefit	3	(11)	4
Bank owned life insurance income	(5)	(5)	(6)
Tax exempt interest	(13)	(13)	(11)
Credits	(11)	(29)	(13)
Goodwill impairment	0	259	0
Taxable subsidiary reorganization	0	(27)	0
Capital loss utilization	(12)	0	0
Other	10	5	6
Income tax expense (benefit)	$ 79	$ (109)	$ 128

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Asset and Liability (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Net operating loss and other carryforwards acquired	$ 49	$ 56
Capital loss carryforward	33	44
Financial statement allowance for credit losses	108	112
Partnerships	15	9
Deferred compensation	30	33
Other accrued expenses not currently deductible	23	20
Acquired intangibles	71	88
Nonperforming loan interest	15	14
Other	42	37
Total gross deferred tax assets	386	413
Valuation allowance	(33)	(44)
Deferred tax liabilities:
Unrealized gain on investment securities available for sale	0	(40)
Leases	(31)	(32)
Pension benefits	(27)	(22)
Other	(15)	(20)
Total gross deferred tax liabilities	(73)	(114)
Net deferred tax asset	$ 280	$ 255

Income Taxes - Unrecognized Tax

Income Taxes - Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of unrecognized tax benefits
Balance at beginning of year	$ 9	$ 6	$ 3
Additions based on tax positions related to the current year	1	2	1
Additions for tax positions of prior years	1	1	3
Reductions related to settlements with taxing authorities	0	0	(1)
Balance at end of year	$ 10	$ 9	$ 6

Income Taxes (Details Textual)

Income Taxes (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating Loss Carryforwards [Line Items]
Effective income tax rate (benefit)	26.00%	(13.30%)	30.20%
Effective income tax rate reconciliation, at federal statutory income tax rate	35.00%
Valuation allowance for net operating loss carryforwards	$ 0
Federal and state tax credits	14,000,000
Valuation allowance	33,000,000	$ 44,000,000
Unrecognized tax benefits, income tax penalties and interest accrued	1,000,000	$ 900,000
Unrecognized tax benefit to reverse in 2015	5,000,000
Federal Alternative Minimum Tax
Operating Loss Carryforwards [Line Items]
Tax credit carryforward, amount	$ 7,000,000
Domestic Tax Authority [Member]
Operating Loss Carryforwards [Line Items]
Net operating losses carried to number of preceeding years	2 years
Net operating losses carried to number of succeeding years	20 years
Operating loss carryforwards	$ 102,000,000
State and Local Jurisdiction [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	29,000,000
Federal Pre Nineteen Eighty Eight Reserve for Which No Federal Income Tax Provision Has Been Made [Member]
Operating Loss Carryforwards [Line Items]
Federal reserve excluding federal income tax provision	$ 92,000,000

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Computation of basic and diluted earnings per share using two-class method
Net income (loss) available to common stockholders	$ 193	$ (745)	$ 265
Less income allocable to unvested restricted stock awards	2	1	1
Net (loss) income allocable to common stockholders	$ 192	$ (746)	$ 264
Weighted average common shares outstanding:
Total shares issued	366	366	366
Unallocated employee stock ownership plan shares	0	(2)	(2)
Unvested restricted stock awards	(3)	(3)	(2)
Treasury shares	(12)	(11)	(12)
Total basic weighted average common shares outstanding	351	350	350
Effect of dilutive stock-based awards	2	0	1
Total diluted weighted average common shares outstanding	353	350	350
Basic (loss) earnings per common share	$ 0.55	$ (2.13)	$ 0.75
Diluted (loss) earnings per common share	$ 0.54	$ (2.13)	$ 0.75
Anti-dilutive stock-based awards excluded from the diluted weighted average common share calculations	7	11	11

Other Comprehensive Income - Co

Other Comprehensive Income - Comprehensive Income (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securities available for sale:
Net unrealized holding (losses) gains arising during the year, pretax		$ (99)	$ (19)	$ (177)
Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity, pretax				(55)
Net unrealized (losses) gains on securities available for sale, pretax				(232)
Net unrealized holding (losses) gains arising during the year, tax		(37)	(7)	(68)
Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity, tax				(21)
Net unrealized (losses) gains on securities available for sale, tax				(89)
Net unrealized holding (losses) gains arising during the year, net of tax		(62)	(12)	(109)
Reclassification adjustment for net unrealized holding gains on securities transferred between available for sale and held to maturity, net of tax		0	0	(34)
Net unrealized (losses) gains on securities available for sale, net of tax		(62)	(12)	(143)
Net unrealized holding gains on securities transferred between available for sale and held to maturity:
Net unrealized holding gains transferred during the year, pretax				55
Amortization of net unrealized holding gains to income during the year, pretax	[1]	(10)	(13)	(20)
Net unrealized holding gains (losses) on securities transferred during the year, pretax				35
Net unrealized holding gains transferred during the year, tax				21
Amortization of net unrealized holding gains to income during the year, tax	[1]	(4)	(5)	(7)
Net unrealized holding gains (losses) on securities transferred during the year, tax				14
Net unrealized holding gains transferred during the year, net of tax		0	0	34
Amortization of net unrealized holding gains to income during the year, net of tax	[1]	(6)	(8)	(12)
Net unrealized holding gains on securities transferred during the year		(6)	(8)	22
Interest rate swaps designated as cash flow hedges:
Net unrealized gains (losses) arising during the year, pretax		(2)
Reclassification adjustment for realized losses included in net income, pretax	[2]	1	1	1
Net unrealized losses on interest rate swaps designated as cash flow hedges, pretax		(1)
Net unrealized gains (losses) arising during the year, tax		(1)
Reclassification adjustment for realized losses included in net income, tax	[2]	0	1	1
Net unrealized losses on interest rate swaps designated as cash flow hedges, tax		0
Net unrealized gains (losses) arising during the year, net of tax		(1)
Reclassification adjustment for realized losses included in net income, net of tax	[2]	1	1	1
Net unrealized gains (losses) on interest rate swaps designated as cash flow hedges, net of tax		(1)	1	1
Pension and post-retirement plans:
Pension and post-retirement actuarial losses, pretax		16	(51)	40
Pension and post-retirement actuarial losses, tax		4	(16)	15
Pension and postretirement actuarial losses, net of tax		12	(34)	25
Total other comprehensive (loss) income, pretax		(93)	(81)	(154)
Total other comprehensive (loss) income, tax		(37)	(27)	(59)
Total other comprehensive (loss) income, net		$ (56)	$ (53)	$ (95)
[1]	Included in Interest income on investment securities and other in our Consolidated Statements of Operations.
[2]	Included in Interest expense on borrowings in our Consolidated Statements of Operations.

Other Comprehensive Income - Ch

Other Comprehensive Income - Change in Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Equity [Abstract]
Amount expected to be reclassified over next twelve months on previous cash flow hedges from accumulated other comprehensive income to earnings	$ 1
Accumulated other comprehensive income
Net unrealized gains on securities available for sale, beginning balance	52	$ 64	$ 207
Net unrealized gains (losses) on securities transferred from available for sale to held to maturity, beginning balance	12	20	(2)
Unrealized (losses) gains on interest rate swaps designated as cash flow hedges, beginning balance	(5)	(6)	(6)
Pension and postretirement plans, beginning balance	(51)	(16)	(41)
Accumulated other comprehensive income, Total, Beginning balance	9	62	157
Net unrealized (losses) gains on securities available for sale, period change, net of tax	(62)	(12)	(143)
Net unrealized gains (losses) on securities transferred from available for sale to held to maturity, period change, net of tax	(6)	(8)	22
Net unrealized (losses) gains on interest rate swaps designated as cash flow hedges arising during the year	(1)	1	1
Pension and post-retirement actuarial gains (losses)	12	(34)	25
Other comprehensive (loss) income, net	(56)	(53)	(95)
Net unrealized gains on securities available for sale, ending balance	(10)	52	64
Net unrealized gains (losses) on securities transferred from available for sale to held to maturity, ending balance	6	12	20
Unrealized (losses) gains on interest rate swaps designated as cash flow hedges, ending balance	(6)	(5)	(6)
Pension and postretirement plans, ending balance	(39)	(51)	(16)
Accumulated other comprehensive income, Total, Ending balance	$ (48)	$ 9	$ 62

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Options outstanding, beginning balance | shares	10,879
Exercised, number of shares | shares	(322)
Exercised, weighted average exercise price | $ / shares	$ 9.33
Expired, number of shares | shares	(7,141)
Expired, weighted average exercise price | $ / shares	$ 13.20
Options outstanding, ending balance | shares	3,416
Options exercisable, number of shares | shares	2,998
Options outstanding, weighted average exercise price, beginning of period | $ / shares	$ 12.90
Options outstanding, weighted average exercise price, end of period | $ / shares	12.61
Options exercisable, weighted average exercise price | $ / shares	$ 13.09
Options outstanding, weighted average remaining contractual term, ending balance	3 years 7 months
Options exercisable weighted average remaining contractual term	3 years
Options outstanding, aggregate intrinsic value, ending balance | $	$ 1	[1]
Options exercisable, aggregate intrinsic value | $	$ 1	[1]
[1]	Intrinsic value is the difference between the fair value of our stock at December 31, 2015 and the exercise price of the stock award.

Stock-Based Compensation - Nonv

Stock-Based Compensation - Nonvested Stock Option Activity (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Nonvested stock options
Options outstanding, beginning balance	10,879
Granted, number of shares	0	505	434
Options outstanding, ending balance	3,416	10,879
Granted, weighted average exercise price		$ 9.27	$ 8.86
Granted, weighted average grant date fair value		$ 2.59	$ 2.36
Nonvested stock options
Nonvested stock options
Options outstanding, beginning balance	748
Vested, number of shares	(330)
Options outstanding, ending balance	418	748
Options outstanding, weighted average exercise price, beginning of period	$ 9.21
Vested, weighted average exercise price	9.26
Options outstanding, weighted average exercise price, end of period	9.17	$ 9.21
Options outstanding, weighted average grant date fair value, beginning of period	2.54
Vested, weighted average grant date fair value	2.55
Options outstanding, weighted average grant date fair value, end of period	$ 2.54	$ 2.54

Stock-Based Compensation - St97

Stock-Based Compensation - Stock Options Outstanding (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Summary of Stock Options Outstanding
Options Outstanding	3,416	10,879	11,186
Options Outstanding, Weighted Average Exercise Price	$ 12.61	$ 12.90	$ 13.23
Weighted Average Remaining Life (Years)	3 years 7 months	2 years	2 years 8 months
Options Exercisable	2,998	10,132	10,533
Options Exercisable, Weighted Average Exercise Price	$ 13.09	$ 13.17	$ 13.46
Exercise price range 1
Summary of Stock Options Outstanding
Exercise Price Range, Lower Range Limit	8.86	8.86	8.86
Exercise Price Range, Upper Range Limit	$ 10	$ 12	$ 12
Options Outstanding	893	2,135	1,835
Options Outstanding, Weighted Average Exercise Price	$ 9.38	$ 10.12	$ 10.25
Weighted Average Remaining Life (Years)	6 years 5 months	6 years 4 months	6 years 9 months
Options Exercisable	475	1,388	1,225
Options Exercisable, Weighted Average Exercise Price	$ 9.57	$ 10.61	$ 10.80
Exercise price range 2
Summary of Stock Options Outstanding
Exercise Price Range, Lower Range Limit	10.01	12.01	12.01
Exercise Price Range, Upper Range Limit	$ 13.50	$ 13.50	$ 15
Options Outstanding	1,450	7,628	9,099
Options Outstanding, Weighted Average Exercise Price	$ 11.67	$ 13.05	$ 13.20
Weighted Average Remaining Life (Years)	3 years 2 months	7 months	1 year 11 months
Options Exercisable	1,450	7,628	9,056
Options Exercisable, Weighted Average Exercise Price	$ 11.67	$ 13.05	$ 13.19
Exercise price range 3
Summary of Stock Options Outstanding
Exercise Price Range, Lower Range Limit	13.51	13.51	15.01
Exercise Price Range, Upper Range Limit	$ 15.50	$ 15.50	$ 18
Options Outstanding	945	965	42
Options Outstanding, Weighted Average Exercise Price	$ 14.30	$ 14.31	$ 15.25
Weighted Average Remaining Life (Years)	2 years 1 month	3 years	6 months
Options Exercisable	945	965	42
Options Exercisable, Weighted Average Exercise Price	$ 14.30	$ 14.31	$ 15.25
Exercise price range 4
Summary of Stock Options Outstanding
Exercise Price Range, Lower Range Limit	15.51	15.51	18.01
Exercise Price Range, Upper Range Limit	$ 51.78	$ 51.78	$ 57.75
Options Outstanding	128	151	210
Options Outstanding, Weighted Average Exercise Price	$ 33.32	$ 35.38	$ 40.07
Weighted Average Remaining Life (Years)	2 months	1 year	1 year 6 months
Options Exercisable	128	151	210
Options Exercisable, Weighted Average Exercise Price	$ 33.32	$ 35.38	$ 40.07

Stock-Based Compensation - St98

Stock-Based Compensation - Stock Option Valuation (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Summary of Stock Options Granted and Weighted Average Assumptions to Compute the Fair Value of the Options
Options granted	0	505	434
Grant date weighted average fair value per stock option		$ 2.59	$ 2.36
Grant date weighted average share price		$ 9.27	$ 8.86
Dividend yield		3.45%	3.61%
Risk-free interest rate		2.05%	0.99%
Expected volatility factor		38.59%	40.70%
Expected life (in years)		6 years 7 months	5 years 8 months

Stock-Based Compensation - Rest

Stock-Based Compensation - Restricted Stock Awards (Details) - Time-vested restricted stock shares in Thousands	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Summary of Restricted Stock Activity [Abstract]
Unvested, Number of shares, Beginning Balance | shares	2,701
Unvested, Weighted Average Grant Date Fair Value, Beginning Balance | $ / shares	$ 9.14
Awarded Number of Shares | shares	1,890
Awarded Weighted Average Grant Date Fair Value | $ / shares	$ 9.08
Vested Number of Shares | shares	(926)
Vested weighted average grant date fair value | $ / shares	$ 9.03
Forfeited Number of Shares | shares	(254)
Forfeited Weighted Average Grant Date Fair Value | $ / shares	$ 9.06
Unvested, Number of shares, Ending Balance | shares	3,411
Unvested, Weighted Average Grant Date Fair Value, Ending Balance | $ / shares	$ 9.11

Stock-Based Compensation (Detai

Stock-Based Compensation (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award
Stock-based compensation expenses	$ 13	$ 11	$ 10
Stock held as Treasury Shares	11,239,793	12,613,836
Exercise of stock options and restricted stock activity, shares	1,374,053	1,151,193	1,320,324
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award
Term of award	10 years
Vesting period of grants	3 years
Intrinsic value of stock options exercised	$ 0.4	$ 0
Unrecognized compensation cost related to unvested	$ 0.2
Weighted average period for cost recognition	1 year 1 month
Time-vested restricted stock
Share-based Compensation Arrangement by Share-based Payment Award
Awarded Number of Shares	1,890,000
Unrecognized compensation cost related to unvested	$ 17
Weighted average period for cost recognition	1 year 8 months
Total fair value of restricted stock awards that vested during the period	$ 9	$ 6	$ 5
2012 Plan
Share-based Compensation Arrangement by Share-based Payment Award
Authorized to issue up to common stock for grants of stock options	17,000,000
Shares available for Grant under the plan	10,000,000
Performance-based restricted stock
Share-based Compensation Arrangement by Share-based Payment Award
Awarded Number of Shares	563,000
Director | Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award
Dividend equivalent units earned restricted stock units	3,872	5,295
Director | Time-vested restricted stock | Time-vested restricted stock
Share-based Compensation Arrangement by Share-based Payment Award
Vesting period of grants	1 year
Employees | Time-vested restricted stock | Time-vested restricted stock
Share-based Compensation Arrangement by Share-based Payment Award
Vesting period of grants	3 years

Benefit Plans - Pension Plan In

Benefit Plans - Pension Plan Information (Details) - Pension plans [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in projected benefit obligation:
Projected benefit obligation at beginning of year	$ 260	$ 214
Service cost	1	1	$ 1
Interest cost	10	10	10
Actuarial (gain) loss	(21)	49
Benefits paid	(17)	(15)
Projected benefit obligation at end of year	232	260	214
Change in fair value of plan assets:
Fair value of plan assets at beginning of year	296	290
Employer contributions	2	2
Actual return on plan assets	1	19
Benefits paid	(17)	(14)
Fair value of plan assets at end of year	281	296	$ 290
Overfunded status at year end	$ 49	$ 36

Benefit Plans - Net Pension Cos

Benefit Plans - Net Pension Cost (Details) - Pension plans [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net pension cost
Service cost	$ 1	$ 1	$ 1
Interest cost	10	10	10
Expected return on plan assets	(16)	(17)	(16)
Amortization of unrecognized loss	4	1	3
Net periodic pension (gain)	$ (1)	$ (5)	$ (2)

Benefit Plans - Pension Change

Benefit Plans - Pension Change in Assets and Benefit Obligations OCI (Details) - Pension plans [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Change in plan assets and benefit obligation recognized in other comprehensive income
Net (gain) loss	$ (10)	$ 46
Total (gain) loss recognized in other comprehensive income	(10)	46
Total recognized in net periodic pension cost and other comprehensive income	$ (11)	$ 42

Benefit Plans - Pension Actuari

Benefit Plans - Pension Actuarial Assumptions (Details) - Pension plans [Member]	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Projected benefit obligation:
Discount rate	4.03%	3.99%	5.02%
Net periodic pension cost:
Discount rate	5.47%	5.01%	4.07%
Expected long-term rate of return on plan assets	5.50%	5.89%	5.89%

Benefit Plans - Pension Fair Va

Benefit Plans - Pension Fair Value Hierarchy (Details) - Pension plans [Member] - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	$ 281	$ 296	$ 290
Fair Value, Measurements, Recurring [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	281	296
Fair Value, Measurements, Recurring [Member] | Cash | Cash
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	14	14
Fair Value, Measurements, Recurring [Member] | Equity Securities | First Niagara Financial Group, Inc. common stock
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		1
Fair Value, Measurements, Recurring [Member] | Fixed Income Securities | Corporate Bonds
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	2	3
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Large cap growth
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		23
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Small and mid cap blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		5
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Intermediate term bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		91
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Diversified emerging markets
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	1	1
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Real estate
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		5
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Mortgage Backed Securities, Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		7
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Foreign large value and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		4
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | High yield bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		7
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | Inflation protected bond fund
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		43
Fair Value, Measurements, Recurring [Member] | Exchange Traded Funds | World bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		18
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Small and mid cap blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	13
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Intermediate term bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	93
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Diversified emerging markets
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		2
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Real estate
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	4	4
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Foreign large value and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	9	5
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Small and midcap growth and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		3
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | High yield bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	17
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Inflation protected bond fund
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	31
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | World bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	17
Fair Value, Measurements, Recurring [Member] | Mutual Fund Investments | Largecap Growth Value And Blend [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	80	60
Fair Value, Measurements, Recurring [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	279	294
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Cash | Cash
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	14	14
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Equity Securities | First Niagara Financial Group, Inc. common stock
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		1
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Large cap growth
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		23
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Small and mid cap blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		5
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Intermediate term bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		91
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Diversified emerging markets
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	1	1
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Real estate
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		5
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Mortgage Backed Securities, Other [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		7
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Foreign large value and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		4
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | High yield bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		7
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | Inflation protected bond fund
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		43
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Exchange Traded Funds | World bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		18
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Small and mid cap blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	13
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Intermediate term bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	93
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Diversified emerging markets
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		2
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Real estate
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	4	4
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Foreign large value and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	9	5
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Small and midcap growth and blend
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category		3
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | High yield bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	17
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Inflation protected bond fund
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	31
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | World bond
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	17
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Mutual Fund Investments | Largecap Growth Value And Blend [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	80	60
Fair Value, Measurements, Recurring [Member] | Level 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	2	3
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Fixed Income Securities | Corporate Bonds
Defined Benefit Plan Disclosure [Line Items]
Fair value of the plan's assets by assets category	$ 2	$ 3

Benefit Plans - Pension Estimat

Benefit Plans - Pension Estimated Benefit Payments(Details) - Pension plans [Member] $ in Millions	Dec. 31, 2015USD ($)
Estimated benefit payment under pension plan
2,016	$ 14
2,017	14
2,018	14
2,019	14
2,020	15
2021-2025	$ 73

Benefit Plans - OPEB Change in

Benefit Plans - OPEB Change in Benefit Obligation (Details) - Other Post-retirement Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in accumulated post-retirement benefit obligation [Roll Forward]
Projected benefit obligation at beginning of year	$ 14	$ 10
Interest cost	1	1	$ 1
Plan amendments	(4)	0
Actuarial (gain) loss	(1)	4
Benefits paid	(5)	(1)
Projected benefit obligation at end of year	5	14	$ 10
Unfunded status at year end	$ (5)	$ (14)

Benefit Plans - OPEB Benefit Co

Benefit Plans - OPEB Benefit Cost (Details) - Other Post-retirement Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Components of net periodic post-retirement benefit cost
Interest cost	$ 1	$ 1	$ 1
Amortization of unrecognized loss	1	0
Settlement loss	1	0
Net periodic pension (gain)	$ 2	$ 1	$ 0

Benefit Plans - OPEB OCI (Detai

Benefit Plans - OPEB OCI (Details) - Other Post-retirement Benefits - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Change in plan benefit obligation recognized in other comprehensive income
Net (gain) loss	$ (2)	$ 4
Amortization of unrecognized loss	(1)	0
Prior service credit	(4)	0
Total (gain) loss recognized in other comprehensive income	(7)	4
Total recognized in net periodic pension cost and other comprehensive income	$ (5)	$ 5

Benefit Plans - OPEB Actuarial

Benefit Plans - OPEB Actuarial Assumptions (Details) - Other Post-retirement Benefits	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Post Retirement Benefit Obligation
Discount rate	4.12%	3.90%	4.87%
Total Periodic Cost
Discount rate	3.90%	4.87%	3.89%

Benefit Plans - OPEB Estimated

Benefit Plans - OPEB Estimated Benefit Payments (Details) - Other Post-retirement Benefits $ in Millions	Dec. 31, 2015USD ($)
Estimated benefit payment under pension plan
2,016	$ 1
2,017	0
2,018	0
2,019	0
2,020	0
2021-2025	$ 2

Benefit Plans - Pension and OPE

Benefit Plans - Pension and OPEB Statement of Condition (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accumulated other comprehensive loss (income), net of taxes:
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ 39	$ 51	$ 16	$ 41
Pension plans
Other Assets:
Fair value of plan assets in excess of projected benefit obligation	49	36
Accumulated other comprehensive loss (income), net of taxes:
Accumulated other comprehensive income, pension and Post-retirement benefit plan	40	50
Other Post-retirement Benefits
Other Liabilities:
Accumulated post-retirement benefit obligation	5	14
Accumulated other comprehensive loss (income), net of taxes:
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ (1)	$ 1

Benefit Plans (Details Textual)

Benefit Plans (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Defined Benefit Plan Disclosure [Line Items]
Stock Issued During Period, Shares, Employee Stock Ownership Plan	0	297,080	177,942
Benefit Plans (Textual) [Abstract]
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ 39	$ 51	$ 16	$ 41
Pension plans
Benefit Plans (Textual) [Abstract]
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ 40	$ 50
Long term inflation rate	2.50%
Expected rate of return on Plan's target allocation	5.50%	5.89%	5.89%
SERPs
Benefit Plans (Textual) [Abstract]
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ 5	$ 6
Projected benefit obligation and accumulated benefit obligation	21	23
Other Post-retirement Benefits
Benefit Plans (Textual) [Abstract]
Accumulated other comprehensive income, pension and Post-retirement benefit plan	$ (1)	1
Assumed health care cost trend rate in 2014	6.10%
Assumed health care cost trend rate by 2018	5.60%
Year that Rate Reaches Ultimate Trend Rate	2,017
Effect of one percentage point Increase on service and interest cost components percentage	7.00%
Effect of one percentage point decrease on service and interest cost components percentage	6.00%
Plan 401 k
Benefit Plans (Textual) [Abstract]
Percentage of employer contribution of first 4% of employee contribution	100.00%
Percentage of employee contribution for initial employer contribution	4.00%
Additional percentage of employer contribution of employee contribution between 5% and 6%	50.00%
Vested matching contribution	100.00%
Plan 401 k | Minimum [Member]
Benefit Plans (Textual) [Abstract]
Percentage of employee contribution for additional employer contribution	5.00%
Plan 401 k | Maximum [Member]
Benefit Plans (Textual) [Abstract]
Percentage of employee contribution for additional employer contribution	6.00%
Fixed Income Securities
Benefit Plans (Textual) [Abstract]
Plan's Target Allocation Percentage, fixed income securities	57.00%
Fixed Income Securities | Minimum [Member]
Benefit Plans (Textual) [Abstract]
Return on fixed income securities	2.50%
Fixed Income Securities | Maximum [Member]
Benefit Plans (Textual) [Abstract]
Return on fixed income securities	4.00%
Equity Securities
Benefit Plans (Textual) [Abstract]
Plan's Target Allocation Percentage, fixed income securities	38.00%
Equity Securities | Minimum [Member]
Benefit Plans (Textual) [Abstract]
Return on Equity Securities	6.80%
Equity Securities | Maximum [Member]
Benefit Plans (Textual) [Abstract]
Return on Equity Securities	8.00%
Cash
Benefit Plans (Textual) [Abstract]
Plan's Target Allocation Percentage, cash	5.00%
Plan 401 k
Benefit Plans (Textual) [Abstract]
Contribution to 401(k) plan	$ 13	14	$ 13
Other benefit plan [Member]
Benefit Plans (Textual) [Abstract]
Expense under these plans	$ 30	$ 25	$ 27

Benefit Plans (Details Textual

Benefit Plans (Details Textual 1) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Benefit Plans (Textual) [Abstract]
ESOP Additional Compensation Expense		$ 1
Employee Stock Ownership Plan (ESOP)
Benefit Plans (Textual) [Abstract]
Annual loan payable installments years	30 years
Compensation expense		$ 2	$ 1
Shares allocated to participants			178,000
Amount of allocated shares held by ESOP	2,000,000	2,000,000
Number of unallocated ESOP shares	0	0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Option on Loans Held for Sale (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Loans held for sale
Fair value carrying amount	$ 43	$ 35
Aggregate unpaid principal balance	42	34
Fair value carrying amount less aggregate unpaid principal balance	$ 1	$ 1

Fair Value Measurements - Fa116

Fair Value Measurements - Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Assets:
Securities available for sale, fair value	$ 5,471	$ 5,915
Loans held for sale	43	35
Debt securities [Member]
Assets:
Securities available for sale, fair value	1,504	1,492
Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	1,364	1,286
Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	1,179	1,032
Commercial mortgage-backed securities, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,085	1,500
Mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	2,449	2,786
Collateralized loan obligations, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,186	1,016
States and political subdivisions [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	379	453
U.S. Treasury [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	55	25
U.S. government sponsored enterprises [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	269	191
Corporate [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	801	823
Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	26	34
Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	94
Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	71	100
Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	730	682
Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	87	120
Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	355	350
Fair Value, Measurements, Recurring [Member]
Assets:
Securities available for sale, fair value	5,471	5,915
Loans held for sale	43	35
Derivatives	123	93
Total assets	5,637	6,043
Liabilities:
Derivatives	128	94
Fair Value, Measurements, Recurring [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	1,504	1,492
Fair Value, Measurements, Recurring [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	1,364	1,286
Fair Value, Measurements, Recurring [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	1,179	1,032
Fair Value, Measurements, Recurring [Member] | Mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	2,449	2,786
Fair Value, Measurements, Recurring [Member] | Collateralized loan obligations, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,186	1,016
Fair Value, Measurements, Recurring [Member] | States and political subdivisions [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	379	453
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	55	25
Fair Value, Measurements, Recurring [Member] | U.S. government sponsored enterprises [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	269	191
Fair Value, Measurements, Recurring [Member] | Corporate [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	801	823
Fair Value, Measurements, Recurring [Member] | Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	26	34
Fair Value, Measurements, Recurring [Member] | Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	94
Fair Value, Measurements, Recurring [Member] | Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	71	100
Fair Value, Measurements, Recurring [Member] | Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	730	682
Fair Value, Measurements, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	87	120
Fair Value, Measurements, Recurring [Member] | Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	355	350
Fair Value, Measurements, Recurring [Member] | Non-agency issued [Member] | Commercial mortgage-backed securities, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,085	1,500
Fair Value, Measurements, Recurring [Member] | Asset-backed securities [Member]
Assets:
Securities available for sale, fair value	310	599
Fair Value, Measurements, Recurring [Member] | Asset-backed securities [Member] | Student loans [Member]
Assets:
Securities available for sale, fair value	171	235
Fair Value, Measurements, Recurring [Member] | Asset-backed securities [Member] | Credit cards [Member]
Assets:
Securities available for sale, fair value	20	42
Fair Value, Measurements, Recurring [Member] | Asset-backed securities [Member] | Auto loans [Member]
Assets:
Securities available for sale, fair value	66	194
Fair Value, Measurements, Recurring [Member] | Asset-backed securities [Member] | Other Loans [Member]
Assets:
Securities available for sale, fair value	53	127
Fair Value, Measurements, Recurring [Member] | Other securities [Member]
Assets:
Securities available for sale, fair value	22	22
Fair Value, Measurements, Recurring [Member] | Level 1 [Member]
Assets:
Securities available for sale, fair value	76	47
Total assets	76	47
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	55	25
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | U.S. Treasury [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	55	25
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Other securities [Member]
Assets:
Securities available for sale, fair value	21	21
Fair Value, Measurements, Recurring [Member] | Level 2 [Member]
Assets:
Securities available for sale, fair value	5,391	5,865
Loans held for sale	43	35
Derivatives	123	93
Total assets	5,557	5,993
Liabilities:
Derivatives	128	94
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	1,445	1,463
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	1,364	1,286
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	1,179	1,032
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	2,449	2,786
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Collateralized loan obligations, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,186	1,016
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | States and political subdivisions [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	379	453
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | U.S. government sponsored enterprises [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	269	191
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Corporate [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	797	818
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Government National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	26	34
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Government National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	94
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Federal National Mortgage Association [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	71	100
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Federal National Mortgage Association [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	730	682
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Federal Home Loan Mortgage Corporation [Member] | Residential mortgage-backed securities [Member]
Assets:
Securities available for sale, fair value	87	120
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Federal Home Loan Mortgage Corporation [Member] | Collateralized mortgage obligations [Member]
Assets:
Securities available for sale, fair value	355	350
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Non-agency issued [Member] | Commercial mortgage-backed securities, non-agency issued [Member]
Assets:
Securities available for sale, fair value	1,085	1,500
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Asset-backed securities [Member]
Assets:
Securities available for sale, fair value	310	599
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Asset-backed securities [Member] | Student loans [Member]
Assets:
Securities available for sale, fair value	171	235
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Asset-backed securities [Member] | Credit cards [Member]
Assets:
Securities available for sale, fair value	20	42
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Asset-backed securities [Member] | Auto loans [Member]
Assets:
Securities available for sale, fair value	66	194
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Asset-backed securities [Member] | Other Loans [Member]
Assets:
Securities available for sale, fair value	53	127
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Other securities [Member]
Assets:
Securities available for sale, fair value	1	1
Fair Value, Measurements, Recurring [Member] | Level 3 [Member]
Assets:
Securities available for sale, fair value	4	4
Total assets	4	4
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	4	4
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Corporate [Member] | Debt securities [Member]
Assets:
Securities available for sale, fair value	$ 4	$ 4

Fair Value Measurements - Fa117

Fair Value Measurements - Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Summary of assets and liabilities measured at fair value on a nonrecurring basis
Collateral dependent impaired loans	$ 8	$ 10
Level 1 [Member]
Summary of assets and liabilities measured at fair value on a nonrecurring basis
Collateral dependent impaired loans	0	0
Level 2 [Member]
Summary of assets and liabilities measured at fair value on a nonrecurring basis
Collateral dependent impaired loans	8	10
Level 3 [Member]
Summary of assets and liabilities measured at fair value on a nonrecurring basis
Collateral dependent impaired loans	0	0
Collateral Dependent Impaired Loans [Member]
Summary of assets and liabilities measured at fair value on a nonrecurring basis
Total gains (losses)	$ 0	$ 0

Fair Value Measurements - Fa118

Fair Value Measurements - Fair Value of Financial Instruments by Balance Sheet Grouping (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financial assets:
Cash and cash equivalents	$ 672	$ 420	$ 463	$ 431
Securities available for sale, fair value	5,471	5,915
Securities held to maturity, fair value	6,388	5,942
Investment securities held to maturity	6,378	5,964
Federal Home Loan Bank and Federal Reserve Bank common stock	410	412
Loans held for sale	46	40	$ 50
Derivatives	123	96
Financial liabilities:
Deposits	28,701	27,781
Derivatives	128	97
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Level 1 [Member]
Financial assets:
Cash and cash equivalents	672	420
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Fair value inputs level 1, 2, 3 [Member]
Financial assets:
Securities available for sale, fair value	5,471	5,915
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Level 2 [Member]
Financial assets:
Securities held to maturity, fair value	6,388	5,942
Federal Home Loan Bank and Federal Reserve Bank common stock	410	412
Loans held for sale	46	40
Derivatives	123	93
Accrued interest receivable	104	101
Financial liabilities:
Deposits	28,701	27,781
Borrowings	6,657	6,206
Derivatives	128	94
Accrued interest payable	14	11
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Fair value inputs level 2, 3 [Member]
Financial assets:
Loans and leases, net	23,796	22,803
Estimate of Fair Value, Fair Value Disclosure [Member] | Level 1 [Member]
Financial assets:
Cash and and cash equivalents, fair value	672	420
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair value inputs level 1, 2, 3 [Member]
Financial assets:
Securities available for sale, fair value	5,471	5,915
Estimate of Fair Value, Fair Value Disclosure [Member] | Level 2 [Member]
Financial assets:
Investment securities held to maturity	6,378	5,964
Federal Home Loan Bank and Federal Reserve Bank common stock	410	412
Loans held for sale	46	40
Derivatives	123	93
Accrued interest receivable	104	101
Financial liabilities:
Deposits	28,705	27,793
Borrowings	6,666	6,215
Derivatives	128	94
Accrued interest payable	14	11
Estimate of Fair Value, Fair Value Disclosure [Member] | Fair value inputs level 2, 3 [Member]
Financial assets:
Loans and leases, net	$ 23,749	$ 23,037

Fair Value Measurements (Detail

Fair Value Measurements (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities price at broker quotes	$ 0
Maximum days for completion of appraisals or evaluations for assets	90 days
Original maturity period for cash and cash equivalents (3 months or less)	3 months
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans fair value disclosure	$ 8	$ 10
Fair Value, Measurements, Nonrecurring [Member] | Collateral Dependent Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Net increase in allowance for credit losses	0	0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans fair value disclosure	$ 8	$ 10

Segment Information (Details)

Segment Information (Details)	12 Months Ended
	Dec. 31, 2015USD ($)Segment	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Segment Reporting Information [Line Items]
Number of Reportable Segments | Segment	2
Financial information of business segments
Net interest income	$ 1,056,000,000	$ 1,086,000,000	$ 1,093,000,000
Provision for credit losses	76,000,000	96,000,000	105,000,000
Net interest income after provision for credit losses	980,000,000	990,000,000	988,000,000
Noninterest income	342,000,000	310,000,000	366,000,000
Amortization of intangibles	19,000,000	27,000,000	40,000,000
Goodwill impairment	0	1,100,000,000	0
Other noninterest expense	1,000,000,000	997,000,000	891,000,000
Income (loss) before income taxes	302,000,000	(824,000,000)	423,000,000
Income tax (benefit)	79,000,000	(109,000,000)	128,000,000
Net income (loss)	224,000,000	(715,000,000)	295,000,000
Banking [Member]
Financial information of business segments
Net interest income	1,056,000,000	1,086,000,000	1,093,000,000
Provision for credit losses	76,000,000	96,000,000	105,000,000
Net interest income after provision for credit losses	980,000,000	990,000,000	988,000,000
Noninterest income	276,000,000	244,000,000	298,000,000
Amortization of intangibles	17,000,000	24,000,000	37,000,000
Goodwill impairment		1,100,000,000
Other noninterest expense	948,000,000	940,000,000	839,000,000
Income (loss) before income taxes	291,000,000	(831,000,000)	411,000,000
Income tax (benefit)	74,000,000	(112,000,000)	123,000,000
Net income (loss)	217,000,000	(719,000,000)	288,000,000
Financial services [Member]
Financial information of business segments
Net interest income	0	0	0
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	0	0	0
Noninterest income	66,000,000	66,000,000	67,000,000
Amortization of intangibles	2,000,000	3,000,000	3,000,000
Goodwill impairment		0
Other noninterest expense	53,000,000	57,000,000	52,000,000
Income (loss) before income taxes	11,000,000	7,000,000	12,000,000
Income tax (benefit)	4,000,000	3,000,000	5,000,000
Net income (loss)	$ 7,000,000	$ 4,000,000	$ 7,000,000

Condensed Parent Company Only B

Condensed Parent Company Only Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2009
ASSETS
Cash and cash equivalents	$ 672	$ 420	$ 463	$ 431
Securities available for sale, fair value	5,471	5,915
Deferred taxes	280	255
Other assets	892	769
Total assets	39,918	38,551			$ 15,000
LIABILITIES AND STOCKHOLDERS’ EQUITY
Stockholders equity	4,126	4,093	4,993	4,927
Total liabilities and stockholders’ equity	39,918	38,551
Parent Company
ASSETS
Cash and cash equivalents	394	383	$ 390	$ 415
Investment in subsidiary	4,418	4,388
Deferred taxes	33	32
Other assets	12	13
Total assets	4,857	4,815
LIABILITIES AND STOCKHOLDERS’ EQUITY
Accounts payable and other liabilities	19	12
Borrowings	712	710
Stockholders equity	4,126	4,093
Total liabilities and stockholders’ equity	$ 4,857	$ 4,815

Condensed Parent Company Only I

Condensed Parent Company Only Income Statement (Details) - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Statements of Income
Total interest income		$ 1,198	$ 1,207	$ 1,210
Interest expense		142	122	117
Net interest income		1,056	1,086	1,093
Noninterest income		342	310	366
Noninterest expense		1,019	2,124	931
Income (loss) before income taxes		302	(824)	423
Income tax benefit		79	(109)	128
Net income (loss)		224	(715)	295
Preferred stock dividend		30	30	30
Net income (loss) available to common stockholders		193	(745)	265
Other comprehensive (loss) income, net		(56)	(53)	(95)
Total comprehensive (loss) income		167	(768)	200
Parent Company
Condensed Statements of Income
Interest income		0	1	2
Dividends received from subsidiary		100	80	175
Total interest income		100	81	177
Interest expense		49	48	49
Net interest income		52	33	128
Noninterest income		2	3	2
Noninterest expense		36	27	30
Income (loss) before income taxes		17	9	100
Income tax benefit		(31)	(28)	(29)
Income before undisbursed income of subsidiary		48	36	129
Undisbursed (loss) income of subsidiary		176	(751)	167
Net income (loss)		224	(715)	295
Preferred stock dividend		30	30	30
Net income (loss) available to common stockholders		193	(745)	265
Other comprehensive (loss) income, net	[1]	(56)	(53)	(95)
Total comprehensive (loss) income		$ 167	$ (768)	$ 200
[1]	See Consolidated Statements of Comprehensive Income (Loss) for other comprehensive income (loss) detail.

Condensed Parent Company Only C

Condensed Parent Company Only Cash Flow (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income (loss)	$ 224	$ (715)	$ 295
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Stock-based compensation expense	13	11	10
Deferred income tax (benefit) expense	6	(150)	5
Net cash provided by operating activities	364	484	716
Cash flows from investing activities:
Proceeds from maturities of securities available for sale	339	371	196
Principal payments received on securities available for sale	1,064	952	1,124
Purchases of securities available for sale	(1,362)	(162)	(1,497)
Other, net	(17)	(68)	(32)
Net cash used in investing activities	(1,337)	(2,136)	(1,375)
Cash flows from financing activities:
Return of capital from subsidiary	90	85
Dividends paid on preferred stock	(30)	(30)	(30)
Dividends paid on common stock	(113)	(113)	(112)
Proceeds from (Payments for) Other Financing Activities	0	(1)	(1)
Net cash provided by financing activities	1,225	1,610	692
Net decrease in cash and cash equivalents	252	(43)	32
Cash and cash equivalents at beginning of period	420	463	431
Cash and cash equivalents at end of period	672	420	463
Parent Company
Cash flows from operating activities:
Net income (loss)	224	(715)	295
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Undisbursed (income) loss of subsidiaries	(176)	751	(167)
Stock-based compensation expense	13	11	9
Deferred income tax (benefit) expense	(2)	2	(18)
Decrease (increase) in other assets	(2)	(2)	7
Decrease in other liabilities	7	(1)	(9)
Net cash provided by operating activities	64	46	118
Cash flows from investing activities:
Proceeds from maturities of securities available for sale	0	3	0
Principal payments received on securities available for sale	0	0	1
Purchases of securities available for sale	0	0	(2)
Repayment of ESOP loan receivable	0	15	1
Other, net	1	1	(1)
Net cash used in investing activities	1	19	0
Cash flows from financing activities:
Return of capital from subsidiary	90	85	0
Repurchase of shares upon ESOP termination	0	(14)	0
Dividends paid on preferred stock	(30)	(30)	(30)
Dividends paid on common stock	(113)	(113)	(112)
Net cash provided by financing activities	(54)	(72)	(143)
Net decrease in cash and cash equivalents	11	(7)	(25)
Cash and cash equivalents at beginning of period	383	390	415
Cash and cash equivalents at end of period	$ 394	$ 383	$ 390