Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest Income
Loans	$ 181	$ 155
Investment securities	19	24
Interest-earning deposits and other	1	1
Total interest income	201	180
Interest Expense
Deposits	32	29
Short-term Federal Home Loan Bank advances and other	12	17
Long-term Federal Home Loan Bank advances	3	1
Other long-term debt	6	7
Total interest expense	53	54
Net interest income	148	126
Provision for credit losses	14	0
Net interest income after provision for credit losses	134	126
Noninterest Income
Net gain on loan sales	90	49
Loan fees and charges	26	17
Net return on mortgage servicing rights	6	6
Loan administration income	12	11
Deposit fees and charges	9	8
Other noninterest income	14	18
Total noninterest income	157	109
Noninterest Expense
Compensation and benefits	102	87
Occupancy and equipment	41	38
Commissions	29	13
Loan processing expense	20	17
Legal and professional expense	6	6
Federal insurance premiums	6	4
Intangible asset amortization	3	4
Other noninterest expense	28	22
Total noninterest expense	235	191
Income before income taxes	56	44
Provision for income taxes	10	8
Net income	$ 46	$ 36
Net income per share
Basic (in dollars per share)	$ 0.80	$ 0.64
Diluted (in dollars per share)	$ 0.80	$ 0.63
Weighted average shares outstanding
Basic (in shares)	56,655,865	56,897,799
Diluted (in shares)	57,189,923	57,590,272