XML 73 R49.htm IDEA: XBRL DOCUMENT v3.24.3
Loans and Related Allowance for Credit Losses (Home Equity and Residential Real Estate Credit Quality Indicators) (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Total loans, net [1] $ 321,381   $ 321,381   $ 321,508
Gross charge-offs          
Total 376 $ 233 1,081 $ 808  
Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 2,195   2,195   5,335
Year two 4,838   4,838   10,064
Year three 9,649   9,649   15,484
Year four 14,854   14,854   6,832
Year five 6,472   6,472   2,270
Prior 8,964   8,964   7,559
Total loans, net 46,972   46,972   47,544
Gross charge-offs          
Year two         2
Year three         1
Year four         1
Prior     2   4
Total     2   8
Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     162
Year four 151   151   1,918
Year five 1,764   1,764   868
Prior 3,003   3,003   2,592
Revolving Loans 8,297   8,297   8,265
Revolving Loans Converted to Term 12,755   12,755   12,345
Total loans, net 25,970   25,970   26,150
Gross charge-offs          
Prior     1   4
Revolving Loans     13   7
Revolving Loans Converted to Term     13   10
Total     27   21
Greater than or equal to 780 | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 1,302   1,302   3,206
Year two 3,337   3,337   7,797
Year three 7,639   7,639   12,197
Year four 11,832   11,832   5,035
Year five 4,726   4,726   1,492
Prior 5,042   5,042   4,004
Total loans, net 33,878   33,878   33,731
Greater than or equal to 780 | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     102
Year four 96   96   1,254
Year five 1,177   1,177   489
Prior 1,845   1,845   1,605
Revolving Loans 4,626   4,626   4,604
Revolving Loans Converted to Term 6,203   6,203   6,083
Total loans, net 13,947   13,947   14,137
720 to 779 | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 775   775   1,482
Year two 960   960   1,659
Year three 1,484   1,484   2,389
Year four 2,152   2,152   1,107
Year five 1,081   1,081   432
Prior 1,609   1,609   1,388
Total loans, net 8,061   8,061   8,457
720 to 779 | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     38
Year four 37   37   423
Year five 368   368   216
Prior 606   606   488
Revolving Loans 2,225   2,225   2,222
Revolving Loans Converted to Term 3,265   3,265   3,225
Total loans, net 6,501   6,501   6,612
660 to 719 | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 114   114   400
Year two 273   273   508
Year three 411   411   657
Year four 618   618   334
Year five 342   342   171
Prior 816   816   721
Total loans, net 2,574   2,574   2,791
660 to 719 | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     17
Year four 15   15   174
Year five 157   157   110
Prior 302   302   271
Revolving Loans 1,198   1,198   1,207
Revolving Loans Converted to Term 2,039   2,039   1,894
Total loans, net 3,711   3,711   3,673
Less than 660 | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 3   3   93
Year two 116   116   71
Year three 85   85   133
Year four 148   148   122
Year five 102   102   82
Prior 703   703   680
Total loans, net 1,157   1,157   1,181
Less than 660 | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     5
Year four 3   3   65
Year five 60   60   52
Prior 243   243   220
Revolving Loans 241   241   223
Revolving Loans Converted to Term 1,202   1,202   1,089
Total loans, net 1,749   1,749   1,654
No FICO score available | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 1   1   140
Year two 135   135   9
Year three 8   8   92
Year four 88   88   168
Year five 154   154   56
Prior 292   292   266
Total loans, net 678   678   731
No FICO score available | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year three    
Year four     2
Year five 2   2   1
Prior 7   7   8
Revolving Loans 7   7   9
Revolving Loans Converted to Term 46   46   54
Total loans, net 62   62   74
Government insured or guaranteed loans | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one     14
Year two 17   17   20
Year three 22   22   16
Year four 16   16   66
Year five 67   67   37
Prior 502   502   500
Total loans, net 624   624   653
Greater than 100% | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 5   5   15
Year two 68   68   139
Year three 113   113   79
Year four 59   59   31
Year five 23   23   10
Prior 31   31   28
Total loans, net 299   299   302
Greater than 100% | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     1
Year four 1   1   12
Year five 12   12   6
Prior 15   15   14
Revolving Loans 333   333   306
Revolving Loans Converted to Term 328   328   309
Total loans, net 689   689   648
Greater than or equal to 80% to 100% | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 608   608   1,665
Year two 633   633   1,928
Year three 963   963   955
Year four 581   581   221
Year five 176   176   69
Prior 134   134   92
Total loans, net 3,095   3,095   4,930
Greater than or equal to 80% to 100% | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     4
Year four 5   5   40
Year five 32   32   17
Prior 30   30   22
Revolving Loans 1,042   1,042   1,116
Revolving Loans Converted to Term 1,552   1,552   1,743
Total loans, net 2,661   2,661   2,942
Less than 80% | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one 1,582   1,582   3,585
Year two 4,084   4,084   7,977
Year three 8,551   8,551   14,421
Year four 14,187   14,187   6,514
Year five 6,206   6,206   2,154
Prior 8,294   8,294   6,935
Total loans, net 42,904   42,904   41,586
Less than 80% | Home equity          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year two        
Year three     157
Year four 145   145   1,866
Year five 1,720   1,720   845
Prior 2,958   2,958   2,556
Revolving Loans 6,922   6,922   6,843
Revolving Loans Converted to Term 10,875   10,875   10,293
Total loans, net 22,620   22,620   22,560
No LTV available | Residential real estate          
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]          
Year one     56
Year two 36   36  
Year three     13
Year four 11   11  
Year five    
Prior 3   3   4
Total loans, net $ 50   $ 50   $ 73
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.7 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at September 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively.