| Table 112: Reconciliation of Changes in Projected Benefit Obligation and Change in Plan Assets | |
| | | | | | | | | | | | | | | | | | | | |
| | | Qualified | | Nonqualified | | Postretirement | |
| | | Pension | | Pension | | Benefits | |
| December 31 (Measurement Date) – in millions | | 2013 | | | 2012 | | | 2013 | | | 2012 | | | 2013 | | | 2012 | |
| Accumulated benefit obligation at end of year | $ | 3,890 | | $ | 4,432 | | $ | 287 | | $ | 357 | | | | | | | |
| Projected benefit obligation at beginning of year | $ | 4,512 | | $ | 4,188 | | $ | 362 | | $ | 297 | | $ | 394 | | $ | 397 | |
| National City acquisition | | | | | | | | | | | | | | | | | (1) | |
| RBC Bank (USA) acquisition | | | | | | | | | | | 52 | | | | | | 13 | |
| Service cost | | 113 | | | 101 | | | 3 | | | 4 | | | 6 | | | 5 | |
| Interest cost | | 170 | | | 191 | | | 12 | | | 14 | | | 14 | | | 16 | |
| Actuarial (gains)/losses and changes in assumptions | | (453) | | | 358 | | | (26) | | | 28 | | | (9) | | | (18) | |
| Participant contributions | | | | | | | | | | | | | | 13 | | | 13 | |
| Federal Medicare subsidy on benefits paid | | | | | | | | | | | | | | 2 | | | 2 | |
| Early Retirement Reinsurance Program payments received | | | | | | | | | | | | | | | | | 1 | |
| Benefits paid | | (376) | | | (326) | | | (20) | | | (33) | | | (34) | | | (34) | |
| Settlement payments | | | | | | | | (39) | | | | | | (11) | | | | |
| | Projected benefit obligation at end of year | $ | 3,966 | | $ | 4,512 | | $ | 292 | | $ | 362 | | $ | 375 | | $ | 394 | |
| Fair value of plan assets at beginning of year | $ | 4,009 | | $ | 3,805 | | | | | | | | | | | | | |
| Actual return on plan assets | | 619 | | | 530 | | | | | | | | | | | | | |
| Employer contribution | | | | | | | $ | 59 | | $ | 33 | | $ | 30 | | $ | 19 | |
| Participant contributions | | | | | | | | | | | | | | 13 | | | 13 | |
| Federal Medicare subsidy on benefits paid | | | | | | | | | | | | | | 2 | | | 2 | |
| Benefits paid | | (376) | | | (326) | | | (20) | | | (33) | | | (34) | | | (34) | |
| Settlement payments | | | | | | | | (39) | | | | | | (11) | | | | |
| | Fair value of plan assets at end of year | $ | 4,252 | | $ | 4,009 | | | | | | | | | | | | | |
| Funded status | $ | 286 | | $ | (503) | | $ | (292) | | $ | (362) | | $ | (375) | | $ | (394) | |
| Amounts recognized on the consolidated balance sheet | | | | | | | | | | | | | | | | | | |
| | Noncurrent asset | | 286 | | | | | | | | | | | | | | | | |
| | Current liability | | | | | | | | (28) | | | (36) | | | (29) | | | (28) | |
| | Noncurrent liability | | | | | (503) | | | (264) | | | (326) | | | (346) | | | (366) | |
| | Net amount recognized on the consolidated balance sheet | $ | 286 | | $ | (503) | | $ | (292) | | $ | (362) | | $ | (375) | | $ | (394) | |
| Amounts recognized in accumulated other comprehensive | | | | | | | | | | | | | | | | | | |
| | income consist of: | | | | | | | | | | | | | | | | | | |
| Prior service cost (credit) | $ | (23) | | $ | (31) | | $ | 1 | | $ | 1 | | $ | (6) | | $ | (9) | |
| Net actuarial loss | | 239 | | | 1,110 | | | 52 | | | 93 | | | 27 | | | 37 | |
| | Amount recognized in AOCI | $ | 216 | | $ | 1,079 | | $ | 53 | | $ | 94 | | $ | 21 | | $ | 28 | |
