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v3.19.3.a.u2

Loans (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Loan Portfolio Composition and Aging Analysis | The table below presents the composition and an aging analysis of our loans held for investment as of December 31, 2019 and 2018. The delinquency aging includes all past due loans, both performing and nonperforming. Table 3.1: Loan Portfolio Composition and Aging Analysis
|  | December 31, 2019
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | PCI Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 113,857 |  |  | $ | 1,341 |  |  | $ | 1,038 |  |  | $ | 2,277 |  |  | $ | 4,656 |  |  | $ | 93 |  |  | $ | 118,606 |
International card businesses |  | 9,277 |  |  | 133 |  |  | 84 |  |  | 136 |  |  | 353 |  |  | 0 |  |  | 9,630 |
Total credit card |  | 123,134 |  |  | 1,474 |  |  | 1,122 |  |  | 2,413 |  |  | 5,009 |  |  | 93 |  |  | 128,236 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 55,778 |  |  | 2,828 |  |  | 1,361 |  |  | 395 |  |  | 4,584 |  |  | 0 |  |  | 60,362 |
Retail banking |  | 2,658 |  |  | 24 |  |  | 8 |  |  | 11 |  |  | 43 |  |  | 2 |  |  | 2,703 |
Total consumer banking |  | 58,436 |  |  | 2,852 |  |  | 1,369 |  |  | 406 |  |  | 4,627 |  |  | 2 |  |  | 63,065 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 30,157 |  |  | 43 |  |  | 20 |  |  | 4 |  |  | 67 |  |  | 21 |  |  | 30,245 |
Commercial and industrial |  | 44,009 |  |  | 75 |  |  | 26 |  |  | 143 |  |  | 244 |  |  | 10 |  |  | 44,263 |
Total commercial banking |  | 74,166 |  |  | 118 |  |  | 46 |  |  | 147 |  |  | 311 |  |  | 31 |  |  | 74,508 |
Total loans(1) |  | $ | 255,736 |  |  | $ | 4,444 |  |  | $ | 2,537 |  |  | $ | 2,966 |  |  | $ | 9,947 |  |  | $ | 126 |  |  | $ | 265,809 |
% of Total loans |  | 96.2 | % |  | 1.6 | % |  | 1.0 | % |  | 1.1 | % |  | 3.7 | % |  | 0.1 | % |  | 100.0 | %
|  | December 31, 2018
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | PCI Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 103,014 |  |  | $ | 1,270 |  |  | $ | 954 |  |  | $ | 2,111 |  |  | $ | 4,335 |  |  | $ | 1 |  |  | $ | 107,350 |
International card businesses |  | 8,678 |  |  | 127 |  |  | 78 |  |  | 128 |  |  | 333 |  |  | 0 |  |  | 9,011 |
Total credit card |  | 111,692 |  |  | 1,397 |  |  | 1,032 |  |  | 2,239 |  |  | 4,668 |  |  | 1 |  |  | 116,361 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 52,032 |  |  | 2,624 |  |  | 1,326 |  |  | 359 |  |  | 4,309 |  |  | 0 |  |  | 56,341 |
Retail banking |  | 2,809 |  |  | 23 |  |  | 8 |  |  | 20 |  |  | 51 |  |  | 4 |  |  | 2,864 |
Total consumer banking |  | 54,841 |  |  | 2,647 |  |  | 1,334 |  |  | 379 |  |  | 4,360 |  |  | 4 |  |  | 59,205 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 28,737 |  |  | 101 |  |  | 20 |  |  | 19 |  |  | 140 |  |  | 22 |  |  | 28,899 |
Commercial and industrial |  | 40,704 |  |  | 135 |  |  | 43 |  |  | 101 |  |  | 279 |  |  | 108 |  |  | 41,091 |
Total commercial lending |  | 69,441 |  |  | 236 |  |  | 63 |  |  | 120 |  |  | 419 |  |  | 130 |  |  | 69,990 |
Small-ticket commercial real estate |  | 336 |  |  | 2 |  |  | 1 |  |  | 4 |  |  | 7 |  |  | 0 |  |  | 343 |
Total commercial banking |  | 69,777 |  |  | 238 |  |  | 64 |  |  | 124 |  |  | 426 |  |  | 130 |  |  | 70,333 |
Total loans(1) |  | $ | 236,310 |  |  | $ | 4,282 |  |  | $ | 2,430 |  |  | $ | 2,742 |  |  | $ | 9,454 |  |  | $ | 135 |  |  | $ | 245,899 |
% of Total loans |  | 96.1 | % |  | 1.7 | % |  | 1.0 | % |  | 1.1 | % |  | 3.8 | % |  | 0.1 | % |  | 100.0 | %
__________ (1) Loans, other than PCI loans, include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $1.1 billion and $818 million as of December 31, 2019 and 2018, respectively.
90 Plus Day Delinquent Loans Accruing Interest and Nonperforming Loans | The following table presents the outstanding balance of loans 90 days or more past due that continue to accrue interest and loans classified as nonperforming as of December 31, 2019 and 2018. Nonperforming loans generally include loans that have been placed on nonaccrual status. PCI loans are excluded from the table below. See “Note 1—Summary of Significant Accounting Policies” for additional information on our policies for nonperforming loans and accounting for PCI loans. Table 3.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
|  | December 31, 2019 |  | December 31, 2018
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans |  | > 90 Days and Accruing |  | Nonperforming Loans
Credit Card: |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 2,277 |  |  | N/A |  |  | $ | 2,111 |  |  | N/A |
International card businesses |  | 130 |  |  | $ | 25 |  |  | 122 |  |  | $ | 22 |
Total credit card |  | 2,407 |  |  | 25 |  |  | 2,233 |  |  | 22 |
Consumer Banking: |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 487 |  |  | 0 |  |  | 449 |
Retail banking |  | 0 |  |  | 23 |  |  | 0 |  |  | 30 |
Total consumer banking |  | 0 |  |  | 510 |  |  | 0 |  |  | 479 |
Commercial Banking: |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 38 |  |  | 0 |  |  | 83 |
Commercial and industrial |  | 0 |  |  | 410 |  |  | 0 |  |  | 223 |
Total commercial lending |  | 0 |  |  | 448 |  |  | 0 |  |  | 306 |
Small-ticket commercial real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 6 |
Total commercial banking |  | 0 |  |  | 448 |  |  | 0 |  |  | 312 |
Total |  | $ | 2,407 |  |  | $ | 983 |  |  | $ | 2,233 |  |  | $ | 813 |
% of Total loans held for investment |  | 0.9 | % |  | 0.4 | % |  | 0.9 | % |  | 0.3 | %
Loans and Leases Receivable Disclosure [Line Items] |
Impaired Loans | The following table presents information on our impaired loans as of December 31, 2019 and 2018, and for the years ended December 31, 2019, 2018 and 2017. Impaired loans include loans modified in troubled debt restructurings (“TDRs”), all nonperforming commercial loans and nonperforming home loans with a specific impairment. Impaired loans without an allowance generally represent loans that have been charged down to the fair value of the underlying collateral for which we believe no additional losses have been incurred, or where the fair value of the underlying collateral meets or exceeds the loan’s amortized cost. PCI loans are excluded from the following table. Table 3.5: Impaired Loans
|  | December 31, 2019
(Dollars in millions) |  | With an Allowance |  | Without an Allowance |  | Total Recorded Investment |  | Related Allowance |  | Net Recorded Investment |  | Unpaid Principal Balance
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 630 |  |  | $ | 0 |  |  | $ | 630 |  |  | $ | 122 |  |  | $ | 508 |  |  | $ | 620 |
International card businesses |  | 201 |  |  | 0 |  |  | 201 |  |  | 88 |  |  | 113 |  |  | 195 |
Total credit card(1) |  | 831 |  |  | 0 |  |  | 831 |  |  | 210 |  |  | 621 |  |  | 815 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 305 |  |  | 41 |  |  | 346 |  |  | 24 |  |  | 322 |  |  | 454 |
Retail banking |  | 39 |  |  | 3 |  |  | 42 |  |  | 4 |  |  | 38 |  |  | 46 |
Total consumer banking |  | 344 |  |  | 44 |  |  | 388 |  |  | 28 |  |  | 360 |  |  | 500 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 33 |  |  | 34 |  |  | 67 |  |  | 1 |  |  | 66 |  |  | 70 |
Commercial and industrial |  | 481 |  |  | 125 |  |  | 606 |  |  | 115 |  |  | 491 |  |  | 800 |
Total commercial banking |  | 514 |  |  | 159 |  |  | 673 |  |  | 116 |  |  | 557 |  |  | 870 |
Total |  | $ | 1,689 |  |  | $ | 203 |  |  | $ | 1,892 |  |  | $ | 354 |  |  | $ | 1,538 |  |  | $ | 2,185 |
|  | December 31, 2018
(Dollars in millions) |  | With an Allowance |  | Without an Allowance |  | Total Recorded Investment |  | Related Allowance |  | Net Recorded Investment |  | Unpaid Principal Balance
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 666 |  |  | $ | 0 |  |  | $ | 666 |  |  | $ | 186 |  |  | $ | 480 |  |  | $ | 654 |
International card businesses |  | 189 |  |  | 0 |  |  | 189 |  |  | 91 |  |  | 98 |  |  | 183 |
Total credit card(1) |  | 855 |  |  | 0 |  |  | 855 |  |  | 277 |  |  | 578 |  |  | 837 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto(2) |  | 301 |  |  | 38 |  |  | 339 |  |  | 22 |  |  | 317 |  |  | 420 |
Retail banking |  | 42 |  |  | 12 |  |  | 54 |  |  | 5 |  |  | 49 |  |  | 60 |
Total consumer banking |  | 343 |  |  | 50 |  |  | 393 |  |  | 27 |  |  | 366 |  |  | 480 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 92 |  |  | 28 |  |  | 120 |  |  | 5 |  |  | 115 |  |  | 121 |
Commercial and industrial |  | 301 |  |  | 169 |  |  | 470 |  |  | 29 |  |  | 441 |  |  | 593 |
Total commercial lending |  | 393 |  |  | 197 |  |  | 590 |  |  | 34 |  |  | 556 |  |  | 714 |
Small-ticket commercial real estate |  | 0 |  |  | 6 |  |  | 6 |  |  | 0 |  |  | 6 |  |  | 9 |
Total commercial banking |  | 393 |  |  | 203 |  |  | 596 |  |  | 34 |  |  | 562 |  |  | 723 |
Total |  | $ | 1,591 |  |  | $ | 253 |  |  | $ | 1,844 |  |  | $ | 338 |  |  | $ | 1,506 |  |  | $ | 2,040 |
|  | Year Ended December 31,
|  | 2019 |  | 2018 |  | 2017
(Dollars in millions) |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 643 |  |  | $ | 57 |  |  | $ | 655 |  |  | $ | 63 |  |  | $ | 602 |  |  | $ | 63 |
International card businesses |  | 194 |  |  | 14 |  |  | 184 |  |  | 12 |  |  | 154 |  |  | 11 |
Total credit card(1) |  | 837 |  |  | 71 |  |  | 839 |  |  | 75 |  |  | 756 |  |  | 74 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto(2) |  | 339 |  |  | 39 |  |  | 397 |  |  | 45 |  |  | 495 |  |  | 53 |
Home loan |  | 0 |  |  | 0 |  |  | 91 |  |  | 1 |  |  | 299 |  |  | 5 |
Retail banking |  | 51 |  |  | 1 |  |  | 59 |  |  | 2 |  |  | 59 |  |  | 1 |
Total consumer banking |  | 390 |  |  | 40 |  |  | 547 |  |  | 48 |  |  | 853 |  |  | 59 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 88 |  |  | 1 |  |  | 93 |  |  | 2 |  |  | 134 |  |  | 4 |
Commercial and industrial |  | 571 |  |  | 14 |  |  | 621 |  |  | 20 |  |  | 1,118 |  |  | 18 |
Total commercial lending |  | 659 |  |  | 15 |  |  | 714 |  |  | 22 |  |  | 1,252 |  |  | 22 |
Small-ticket commercial real estate |  | 4 |  |  | 0 |  |  | 5 |  |  | 0 |  |  | 7 |  |  | 0 |
Total commercial banking |  | 663 |  |  | 15 |  |  | 719 |  |  | 22 |  |  | 1,259 |  |  | 22 |
Total |  | $ | 1,890 |  |  | $ | 126 |  |  | $ | 2,105 |  |  | $ | 145 |  |  | $ | 2,868 |  |  | $ | 155 |
__________
(1) | The period-end and average recorded investments of credit card loans include finance charges and fees.
(2) 2018 and 2017 amounts include certain TDRs that were recorded as other assets on our consolidated balance sheets.
TDR Disclosures in Progress Financial Impact of Modification | The following tables present the major modification types, recorded investment amounts and financial effects of loans modified in TDRs during the years ended December 31, 2019, 2018 and 2017. Table 3.6: Troubled Debt Restructurings
|  | Total Loans Modified(1) |  | Year Ended December 31, 2019
|  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 351 |  |  | 100 | % |  | 16.60 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 173 |  |  | 100 |  |  | 27.28 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 524 |  |  | 100 |  |  | 20.12 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 268 |  |  | 39 |  |  | 3.63 |  |  | 90 |  |  | 7 |  | 1 |  |  | 1 |
Retail banking |  | 7 |  |  | 11 |  |  | 10.66 |  |  | 54 |  |  | 3 |  | 33 |  |  | 0 |
Total consumer banking |  | 275 |  |  | 38 |  |  | 3.68 |  |  | 89 |  |  | 7 |  | 2 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 39 |  |  | 87 |  |  | 0.00 |  |  | 13 |  |  | 1 |  | 0 |  |  | 0 |
Commercial and industrial |  | 159 |  |  | 3 |  |  | 0.33 |  |  | 20 |  |  | 8 |  | 0 |  |  | 0 |
Total commercial lending |  | 198 |  |  | 19 |  |  | 0.04 |  |  | 18 |  |  | 7 |  | 0 |  |  | 0 |
Small-ticket commercial real estate |  | 1 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total commercial banking |  | 199 |  |  | 19 |  |  | 0.04 |  |  | 18 |  |  | 7 |  | 0 |  |  | 0 |
Total |  | $ | 998 |  |  | 67 |  |  | 16.37 |  |  | 28 |  |  | 7 |  | 0 |  |  | $ | 1 |
|  | Total Loans Modified(1) |  | Year Ended December 31, 2018
| Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 412 |  |  | 100 | % |  | 15.93 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 184 |  |  | 100 |  |  | 26.96 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 596 |  |  | 100 |  |  | 19.34 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto(3) |  | 227 |  |  | 49 |  |  | 3.88 |  |  | 89 |  |  | 8 |  | 1 |  |  | 1 |
Home loan |  | 6 |  |  | 28 |  |  | 1.78 |  |  | 83 |  |  | 214 |  | 0 |  |  | 0 |
Retail banking |  | 8 |  |  | 16 |  |  | 10.92 |  |  | 43 |  |  | 12 |  | 0 |  |  | 0 |
Total consumer banking |  | 241 |  |  | 48 |  |  | 3.93 |  |  | 87 |  |  | 13 |  | 1 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 43 |  |  | 0 |  |  | 0.00 |  |  | 80 |  |  | 5 |  | 0 |  |  | 0 |
Commercial and industrial |  | 170 |  |  | 0 |  |  | 1.03 |  |  | 54 |  |  | 13 |  | 0 |  |  | 0 |
Total commercial lending |  | 213 |  |  | 0 |  |  | 1.03 |  |  | 60 |  |  | 11 |  | 0 |  |  | 0 |
Small-ticket commercial real estate |  | 3 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total commercial banking |  | 216 |  |  | 0 |  |  | 1.03 |  |  | 59 |  |  | 11 |  | 0 |  |  | 0 |
Total |  | $ | 1,053 |  |  | 68 |  |  | 16.84 |  |  | 32 |  |  | 12 |  | 0 |  |  | $ | 1 |
|  | Total Loans Modified(1) |  | Year Ended December 31, 2017
| Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  | % of TDR Activity(2) |  | Gross Balance Reduction
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 406 |  |  | 100 | % |  | 14.50 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 169 |  |  | 100 |  |  | 26.51 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 575 |  |  | 100 |  |  | 18.02 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto(3) |  | 324 |  |  | 44 |  |  | 3.82 |  |  | 95 |  |  | 6 |  | 2 |  |  | 7 |
Home loan |  | 19 |  |  | 48 |  |  | 2.77 |  |  | 78 |  |  | 233 |  | 2 |  |  | 0 |
Retail banking |  | 13 |  |  | 22 |  |  | 5.77 |  |  | 73 |  |  | 10 |  | 0 |  |  | 0 |
Total consumer banking |  | 356 |  |  | 44 |  |  | 3.79 |  |  | 93 |  |  | 16 |  | 2 |  |  | 7 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 29 |  |  | 7 |  |  | 0.02 |  |  | 26 |  |  | 5 |  | 0 |  |  | 0 |
Commercial and industrial |  | 557 |  |  | 19 |  |  | 0.80 |  |  | 59 |  |  | 17 |  | 0 |  |  | 0 |
Total commercial lending |  | 586 |  |  | 18 |  |  | 0.79 |  |  | 57 |  |  | 16 |  | 0 |  |  | 0 |
Small-ticket commercial real estate |  | 3 |  |  | 0 |  |  | 0.00 |  |  | 4 |  |  | 0 |  | 0 |  |  | 0 |
Total commercial banking |  | 589 |  |  | 18 |  |  | 0.79 |  |  | 57 |  |  | 16 |  | 0 |  |  | 0 |
Total |  | $ | 1,520 |  |  | 55 |  |  | 13.19 |  |  | 44 |  |  | 16 |  | 0 |  |  | $ | 7 |
__________
(1) | Represents the recorded investment of total loans modified in TDRs at the end of the period in which they were modified. As not every modification type is included in the table above, the total percentage of TDR activity may not add up to 100%. Some loans may receive more than one type of concession as part of the modification.
(2) | Due to multiple concessions granted to some troubled borrowers, percentages may total more than 100% for certain loan types.
(3) Includes certain TDRs that are recorded as other assets on our consolidated balance sheets. The following table presents the type, number and recorded investment of loans modified in TDRs that experienced a default during the period and had completed a modification event in the twelve months prior to the default. A default occurs if the loan is either 90 days or more delinquent, has been charged off as of the end of the period presented or has been reclassified from accrual to nonaccrual status. Table 3.7: TDRs—Subsequent Defaults
|  | Year Ended December 31,
|  | 2019 |  | 2018 |  | 2017
(Dollars in millions) |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | 47,086 |  |  | $ | 99 |  |  | 61,070 |  |  | $ | 126 |  |  | 55,121 |  |  | $ | 111 |
International card businesses |  | 69,470 |  |  | 110 |  |  | 61,014 |  |  | 106 |  |  | 51,641 |  |  | 93 |
Total credit card |  | 116,556 |  |  | 209 |  |  | 122,084 |  |  | 232 |  |  | 106,762 |  |  | 204 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 5,575 |  |  | 70 |  |  | 6,980 |  |  | 79 |  |  | 9,446 |  |  | 109 |
Home loan |  | 0 |  |  | 0 |  |  | 3 |  |  | 1 |  |  | 28 |  |  | 7 |
Retail banking |  | 24 |  |  | 2 |  |  | 26 |  |  | 2 |  |  | 41 |  |  | 4 |
Total consumer banking |  | 5,599 |  |  | 72 |  |  | 7,009 |  |  | 82 |  |  | 9,515 |  |  | 120 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  | 1 |  |  | 3 |  |  | 0 |  |  | 0 |
Commercial and industrial |  | 1 |  |  | 25 |  |  | 26 |  |  | 120 |  |  | 244 |  |  | 269 |
Total commercial lending |  | 1 |  |  | 25 |  |  | 27 |  |  | 123 |  |  | 244 |  |  | 269 |
Small-ticket commercial real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 1 |
Total commercial banking |  | 1 |  |  | 25 |  |  | 27 |  |  | 123 |  |  | 246 |  |  | 270 |
Total |  | 122,156 |  |  | $ | 306 |  |  | 129,120 |  |  | $ | 437 |  |  | 116,523 |  |  | $ | 594 |
Commercial Banking |
Loans and Leases Receivable Disclosure [Line Items] |
Risk Profile by Internal Risk Rating | The following table presents the internal risk ratings of our commercial banking loan portfolio as of December 31, 2019 and 2018. Table 3.4: Commercial Banking Risk Profile by Internal Risk Rating
|  | December 31, 2019
(Dollars in millions) |  | Commercial and Multifamily Real Estate |  | % of Total |  | Commercial and Industrial |  | % of Total |  | Total Commercial Banking |  | % of Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 29,625 |  |  | 97.9 | % |  | $ | 42,223 |  |  | 95.4 | % |  | $ | 71,848 |  |  | 96.5 | %
Criticized performing |  | 561 |  |  | 1.9 |  |  | 1,620 |  |  | 3.7 |  |  | 2,181 |  |  | 2.9 |
Criticized nonperforming |  | 38 |  |  | 0.1 |  |  | 410 |  |  | 0.9 |  |  | 448 |  |  | 0.6 |
PCI loans |  | 21 |  |  | 0.1 |  |  | 10 |  |  | 0.0 |  |  | 31 |  |  | 0.0 |
Total |  | $ | 30,245 |  |  | 100.0 | % |  | $ | 44,263 |  |  | 100.0 | % |  | $ | 74,508 |  |  | 100.0 | %
|  | December 31, 2018
(Dollars in millions) |  | Commercial and Multifamily Real Estate |  | % of Total |  | Commercial and Industrial |  | % of Total |  | Small-Ticket Commercial Real Estate |  | % of Total |  | Total Commercial Banking |  | % of Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 28,239 |  |  | 97.7 | % |  | $ | 39,468 |  |  | 96.1 | % |  | $ | 336 |  |  | 98.0 | % |  | $ | 68,043 |  |  | 96.8 | %
Criticized performing |  | 555 |  |  | 1.9 |  |  | 1,292 |  |  | 3.1 |  |  | 1 |  |  | 0.3 |  |  | 1,848 |  |  | 2.6 |
Criticized nonperforming |  | 83 |  |  | 0.3 |  |  | 223 |  |  | 0.5 |  |  | 6 |  |  | 1.7 |  |  | 312 |  |  | 0.4 |
PCI loans |  | 22 |  |  | 0.1 |  |  | 108 |  |  | 0.3 |  |  | 0 |  |  | 0.0 |  |  | 130 |  |  | 0.2 |
Total |  | $ | 28,899 |  |  | 100.0 | % |  | $ | 41,091 |  |  | 100.0 | % |  | $ | 343 |  |  | 100.0 | % |  | $ | 70,333 |  |  | 100.0 | %
__________ (1) Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.
Auto |
Loans and Leases Receivable Disclosure [Line Items] |
Auto Loan Credit Score Distribution | The table below provides details on the credit scores of our auto loan portfolio as of December 31, 2019 and 2018. Table 3.3: Auto Loan Credit Score Distribution - At Origination FICO Scores(1)
(Dollars in millions) |  | December 31, 2019 |  | December 31, 2018
Greater than 660 |  | $ | 28,773 |  |  | $ | 27,913 |
621 - 660 |  | 11,924 |  |  | 10,729 |
620 or below |  | 19,665 |  |  | 17,699 |
Total |  | $ | 60,362 |  |  | $ | 56,341 |
__________ (1) Amounts represent period-end loans held for investment in each credit score category. Auto credit scores generally represent average FICO scores obtained from three credit bureaus at the time of application and are not refreshed thereafter. Balances for which no credit score is available or the credit score is invalid are included in the 620 or below category.

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