CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from banks	$ 3,976	$ 4,903
Interest-bearing deposits and other short-term investments	45,322	38,394
Total cash and cash equivalents	49,298	43,297
Restricted cash for securitization investors	421	458
Securities available for sale (amortized cost of $90.8 billion and $88.1 billion and allowance for credit losses of $3 million and $4 million as of September 30, 2024 and December 31, 2023, respectively)	83,500	79,117
Loans held for investment:
Total loans held for investment	320,243	320,472
Allowance for credit losses	(16,534)	(15,296)
Net loans held for investment	303,709	305,176
Loans held for sale ($77 million and $347 million carried at fair value as of September 30, 2024 and December 31, 2023, respectively)	96	854
Premises and equipment, net	4,440	4,375
Interest receivable	2,577	2,478
Goodwill	15,083	15,065
Other assets	27,309	27,644
Total assets	486,433	478,464
Liabilities:
Interest payable	705	649
Deposits:
Non-interest-bearing deposits	26,378	28,024
Interest-bearing deposits	327,253	320,389
Total deposits	353,631	348,413
Securitized debt obligations	15,881	18,043
Other debt:
Federal funds purchased and securities loaned or sold under agreements to repurchase	520	538
Senior and subordinated notes	32,911	31,248
Other borrowings	24	27
Total other debt	33,455	31,813
Other liabilities	19,836	21,457
Total liabilities	423,508	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 September 30, 2024 and December 31, 2023)	0	0
Common stock (par value $0.01 per share; 1,000,000,000 shares authorized; 701,557,753 and 696,242,668 shares issued as of September 30, 2024 and December 31, 2023, respectively; 381,510,336 and 380,389,609 shares outstanding as of September 30, 2024 and December 31, 2023, respectively)	7	7
Additional paid-in capital, net	36,216	35,541
Retained earnings	63,698	60,945
Accumulated other comprehensive loss	(6,287)	(8,268)
Treasury stock, at cost (par value $0.01 per share; 320,047,417 and 315,853,059 shares as of September 30, 2024 and December 31, 2023, respectively)	(30,709)	(30,136)
Total stockholders’ equity	62,925	58,089
Total liabilities and stockholders’ equity	486,433	478,464
Unsecuritized loans held for investment
Loans held for investment:
Total loans held for investment	292,061	289,229
Loans held in consolidated trusts
Loans held for investment:
Total loans held for investment	28,182	31,243
Total assets	30,466	33,288
Other debt:
Total liabilities	$ 16,368	$ 18,746