CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from banks	$ 5,298	$ 4,903
Interest-bearing deposits and other short-term investments	40,116	38,394
Total cash and cash equivalents	45,414	43,297
Restricted cash for securitization investors	2,415	458
Securities available for sale (amortized cost of $89.6 billion and $88.1 billion and allowance for credit losses of $3 million and $4 million as of June 30, 2024 and December 31, 2023, respectively)	79,250	79,117
Loans held for investment:
Total loans held for investment	318,186	320,472
Allowance for credit losses	(16,649)	(15,296)
Net loans held for investment	301,537	305,176
Loans held for sale ($394 million and $347 million carried at fair value as of June 30, 2024 and December 31, 2023, respectively)	808	854
Premises and equipment, net	4,396	4,375
Interest receivable	2,494	2,478
Goodwill	15,062	15,065
Other assets	28,642	27,644
Total assets	480,018	478,464
Liabilities:
Interest payable	668	649
Deposits:
Non-interest-bearing deposits	27,005	28,024
Interest-bearing deposits	324,437	320,389
Total deposits	351,442	348,413
Securitized debt obligations	17,291	18,043
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase	715	538
Senior and subordinated notes	29,925	31,248
Other borrowings	25	27
Total other debt	30,665	31,813
Other liabilities	21,971	21,457
Total liabilities	422,037	420,375
Commitments, contingencies and guarantees (see Note 14)
Stockholders’ equity:
Preferred stock (par value $0.01 per share; 50,000,000 shares authorized; 4,975,000 shares issued and outstanding as of both June 30, 2024 and December 31, 2023)	0	0
Common stock (par value $0.01 per share; 1,000,000,000 shares authorized; 700,703,094 and 696,242,668 shares issued as of June 30, 2024 and December 31, 2023, respectively; 381,856,146 and 380,389,609 shares outstanding as of June 30, 2024 and December 31, 2023, respectively)	7	7
Additional paid-in capital, net	36,012	35,541
Retained earnings	62,211	60,945
Accumulated other comprehensive loss	(9,701)	(8,268)
Treasury stock, at cost (par value $0.01 per share; 318846948 and 315,853,059 shares as of June 30, 2024 and December 31, 2023, respectively)	(30,548)	(30,136)
Total stockholders’ equity	57,981	58,089
Total liabilities and stockholders’ equity	480,018	478,464
Unsecuritized loans held for investment
Loans held for investment:
Total loans held for investment	289,124	289,229
Loans held in consolidated trusts
Loans held for investment:
Total loans held for investment	29,062	31,243
Total assets	33,401	33,288
Other debt:
Total liabilities	$ 17,991	$ 18,746