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v3.20.1

Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Loan Portfolio Composition and Aging Analysis | The table below presents the composition and aging analysis of our loans held for investment portfolio as of March 31, 2020 and December 31, 2019. The delinquency aging includes all past due loans, both performing and nonperforming. Table 3.1: Loan Portfolio Composition and Aging Analysis
|  | March 31, 2020
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 105,503 |  |  | $ | 1,094 |  |  | $ | 812 |  |  | $ | 2,140 |  |  | $ | 4,046 |  |  | $ | 109,549 |
International card businesses |  | 7,930 |  |  | 116 |  |  | 75 |  |  | 127 |  |  | 318 |  |  | 8,248 |
Total credit card |  | 113,433 |  |  | 1,210 |  |  | 887 |  |  | 2,267 |  |  | 4,364 |  |  | 117,797 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 57,799 |  |  | 2,275 |  |  | 1,000 |  |  | 290 |  |  | 3,565 |  |  | 61,364 |
Retail banking |  | 2,618 |  |  | 29 |  |  | 8 |  |  | 14 |  |  | 51 |  |  | 2,669 |
Total consumer banking |  | 60,417 |  |  | 2,304 |  |  | 1,008 |  |  | 304 |  |  | 3,616 |  |  | 64,033 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 32,242 |  |  | 53 |  |  | 62 |  |  | 16 |  |  | 131 |  |  | 32,373 |
Commercial and industrial |  | 48,577 |  |  | 87 |  |  | 20 |  |  | 103 |  |  | 210 |  |  | 48,787 |
Total commercial banking |  | 80,819 |  |  | 140 |  |  | 82 |  |  | 119 |  |  | 341 |  |  | 81,160 |
Total loans(1) |  | $ | 254,669 |  |  | $ | 3,654 |  |  | $ | 1,977 |  |  | $ | 2,690 |  |  | $ | 8,321 |  |  | $ | 262,990 |
% of Total loans |  | 96.8 | % |  | 1.4 | % |  | 0.8 | % |  | 1.0 | % |  | 3.2 | % |  | 100.0 | %
|  | December 31, 2019
|  |  |  | Delinquent Loans |  |
(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 | %
__________ (1) Loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $1.1 billion as of both March 31, 2020 and December 31, 2019.
90 Plus Day Delinquent Loans Accruing Interest and Nonperforming Loans | The following table presents our loans held for investment that are 90 days or more past due that continue to accrue interest and loans that are classified as nonperforming as of March 31, 2020 and December 31, 2019. We also present nonperforming loans without an allowance as of March 31, 2020. Nonperforming loans generally include loans that have been placed on nonaccrual status. Table 3.2: 90+ Day Delinquent Loans Accruing Interest and Nonperforming Loans
|  | March 31, 2020 |  | December 31, 2019
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance |  | > 90 Days and Accruing |  | Nonperforming Loans
Credit Card: |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 2,140 |  |  | N/A |  |  | $ | 0 |  |  | $ | 2,277 |  |  | N/A |
International card businesses |  | 121 |  |  | $ | 24 |  |  | 0 |  |  | 130 |  |  | $ | 25 |
Total credit card |  | 2,261 |  |  | 24 |  |  | 0 |  |  | 2,407 |  |  | 25 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 381 |  |  | 0 |  |  | 0 |  |  | 487 |
Retail banking |  | 0 |  |  | 24 |  |  | 2 |  |  | 0 |  |  | 23 |
Total consumer banking |  | 0 |  |  | 405 |  |  | 2 |  |  | 0 |  |  | 510 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 71 |  |  | 48 |  |  | 0 |  |  | 38 |
Commercial and industrial |  | 0 |  |  | 423 |  |  | 117 |  |  | 0 |  |  | 410 |
Total commercial banking |  | 0 |  |  | 494 |  |  | 165 |  |  | 0 |  |  | 448 |
Total |  | $ | 2,261 |  |  | $ | 923 |  |  | $ | 167 |  |  | $ | 2,407 |  |  | $ | 983 |
% of Total loans held for investment |  | 0.9 | % |  | 0.4 | % |  | 0.1 | % |  | 0.9 | % |  | 0.4 | %
__________ (1) We recognized interest income for loans classified as nonperforming of $2 million for the three months ended March 31, 2020.
Loans and Leases Receivable Disclosure [Line Items] |
TDR Disclosures in Progress Financial Impact of Modification | 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
|  | Three Months Ended March 31,
|  | 2020 |  | 2019
(Dollars in millions) |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount
Credit Card: |  |  |  |  |  |  |  |
Domestic credit card |  | 10,886 |  |  | $ | 22 |  |  | 14,027 |  |  | $ | 29 |
International card businesses |  | 17,857 |  |  | 26 |  |  | 16,706 |  |  | 28 |
Total credit card |  | 28,743 |  |  | 48 |  |  | 30,733 |  |  | 57 |
Consumer Banking: |  |  |  |  |  |  |  |
Auto |  | 1,275 |  |  | 16 |  |  | 1,105 |  |  | 13 |
Retail banking |  | 1 |  |  | 0 |  |  | 8 |  |  | 0 |
Total consumer banking |  | 1,276 |  |  | 16 |  |  | 1,113 |  |  | 13 |
Commercial Banking: |  |  |  |  |  |  |  |
Commercial and industrial |  | 6 |  |  | 28 |  |  | 0 |  |  | 0 |
Total commercial banking |  | 6 |  |  | 28 |  |  | 0 |  |  | 0 |
Total |  | 30,025 |  |  | $ | 92 |  |  | 31,846 |  |  | $ | 70 |
The following tables present the major modification types, recorded investment amounts and financial effects of loans modified in TDRs during the three months ended March 31, 2020 and 2019. Table 3.6: Troubled Debt Restructurings
|  | Total Loans Modified(1) |  | Three Months Ended March 31, 2020
|  | Reduced Interest Rate |  | Term Extension
(Dollars in millions) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months)
Credit Card: |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 89 |  |  | 100 | % |  | 16.45 | % |  | 0 | % |  | 0
International card businesses |  | 51 |  |  | 100 |  |  | 27.32 |  |  | 0 |  |  | 0
Total credit card |  | 140 |  |  | 100 |  |  | 20.41 |  |  | 0 |  |  | 0
Consumer Banking: |  |  |  |  |  |  |  |  |  |
Auto |  | 123 |  |  | 20 |  |  | 3.34 |  |  | 94 |  |  | 5
Retail banking |  | 3 |  |  | 1 |  |  | 12.50 |  |  | 0 |  |  | 4
Total consumer banking |  | 126 |  |  | 20 |  |  | 3.36 |  |  | 92 |  |  | 5
Commercial Banking: |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 19 |  |  | 0 |  |  | 0.00 |  |  | 100 |  |  | 12
Commercial and industrial |  | 7 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0
Total commercial banking |  | 26 |  |  | 0 |  |  | 0.00 |  |  | 73 |  |  | 12
Total |  | $ | 292 |  |  | 56 |  |  | 17.87 |  |  | 46 |  |  | 6
|  | Total Loans Modified(1) |  | Three Months Ended March 31, 2019
| Reduced Interest Rate |  | Term Extension
(Dollars in millions) | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months)
Credit Card: |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 98 |  |  | 100 | % |  | 16.42 | % |  | 0 | % |  | 0
International card businesses |  | 47 |  |  | 100 |  |  | 27.59 |  |  | 0 |  |  | 0
Total credit card |  | 145 |  |  | 100 |  |  | 20.04 |  |  | 0 |  |  | 0
Consumer Banking: |  |  |  |  |  |  |  |  |  |
Auto |  | 72 |  |  | 37 |  |  | 3.83 |  |  | 91 |  |  | 7
Retail banking |  | 1 |  |  | 15 |  |  | 13.01 |  |  | 85 |  |  | 6
Total consumer banking |  | 73 |  |  | 37 |  |  | 3.88 |  |  | 91 |  |  | 7
Commercial Banking: |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 34 |  |  | 100 |  |  | 0.00 |  |  | 0 |  |  | 0
Commercial and industrial |  | 21 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0
Total commercial lending |  | 55 |  |  | 62 |  |  | 0.00 |  |  | 0 |  |  | 0
Small-ticket commercial real estate |  | 0 |  |  | 0 |  |  | 0.00 |  |  | 0 |  |  | 0
Total commercial banking |  | 55 |  |  | 61 |  |  | 0.00 |  |  | 0 |  |  | 0
Total |  | $ | 273 |  |  | 75 |  |  | 14.64 |  |  | 24 |  |  | 7
__________
(1) | Represents the recorded investment of total loans modified in TDRs at the end of the quarter 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.
Credit Card |
Loans and Leases Receivable Disclosure [Line Items] |
Credit Quality Indicator | The table below presents our credit card portfolio by delinquency status as of March 31, 2020. Table 3.3: Credit Card Delinquency Status
|  | March 31, 2020
(Dollars in millions) |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Credit Card: |  |  |  |  |  |
Domestic credit card: |  |  |  |  |  |
Current |  | $ | 104,892 |  |  | $ | 611 |  |  | $ | 105,503 |
30-59 days |  | 1,060 |  |  | 34 |  |  | 1,094 |
60-89 days |  | 787 |  |  | 25 |  |  | 812 |
Greater than 90 days |  | 2,107 |  |  | 33 |  |  | 2,140 |
Total domestic credit card |  | 108,846 |  |  | 703 |  |  | 109,549 |
International card businesses: |  |  |  |  |  |
Current |  | 7,865 |  |  | 65 |  |  | 7,930 |
30-59 days |  | 104 |  |  | 12 |  |  | 116 |
60-89 days |  | 63 |  |  | 12 |  |  | 75 |
Greater than 90 days |  | 112 |  |  | 15 |  |  | 127 |
Total international card businesses |  | 8,144 |  |  | 104 |  |  | 8,248 |
Total credit card |  | $ | 116,990 |  |  | $ | 807 |  |  | $ | 117,797 |
Consumer Banking |
Loans and Leases Receivable Disclosure [Line Items] |
Credit Quality Indicator | The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of March 31, 2020 and December 31, 2019. We present our auto loan portfolio by FICO scores at origination and our retail banking loan portfolio by delinquency status, which includes all past due loans, both performing and nonperforming. Table 3.4: Consumer Banking Portfolio by Credit Quality Indicator
|  | March 31, 2020 |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | December 31, 2019
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 3,410 |  |  | $ | 10,995 |  |  | $ | 6,842 |  |  | $ | 4,538 |  |  | $ | 2,294 |  |  | $ | 769 |  |  | $ | 28,848 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 28,848 |  |  | $ | 28,773 |
621-660 |  | 1,467 |  |  | 4,813 |  |  | 2,831 |  |  | 1,784 |  |  | 854 |  |  | 324 |  |  | 12,073 |  |  | 0 |  |  | 0 |  |  | 12,073 |  |  | 11,924 |
620 or below |  | 2,649 |  |  | 8,118 |  |  | 4,581 |  |  | 2,955 |  |  | 1,493 |  |  | 647 |  |  | 20,443 |  |  | 0 |  |  | 0 |  |  | 20,443 |  |  | 19,665 |
Total auto |  | 7,526 |  |  | 23,926 |  |  | 14,254 |  |  | 9,277 |  |  | 4,641 |  |  | 1,740 |  |  | 61,364 |  |  | 0 |  |  | 0 |  |  | 61,364 |  |  | 60,362 |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 68 |  |  | 232 |  |  | 252 |  |  | 257 |  |  | 211 |  |  | 655 |  |  | 1,675 |  |  | 935 |  |  | 8 |  |  | 2,618 |  |  | 2,658 |
30-59 days |  | 0 |  |  | 4 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 8 |  |  | 21 |  |  | 0 |  |  | 29 |  |  | 24 |
60-89 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 0 |  |  | 1 |  |  | 3 |  |  | 5 |  |  | 0 |  |  | 8 |  |  | 8 |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 1 |  |  | 4 |  |  | 8 |  |  | 6 |  |  | 0 |  |  | 14 |  |  | 11 |
Total retail banking |  | 68 |  |  | 236 |  |  | 252 |  |  | 263 |  |  | 213 |  |  | 662 |  |  | 1,694 |  |  | 967 |  |  | 8 |  |  | 2,669 |  |  | 2,701 |
Total consumer banking |  | $ | 7,594 |  |  | $ | 24,162 |  |  | $ | 14,506 |  |  | $ | 9,540 |  |  | $ | 4,854 |  |  | $ | 2,402 |  |  | $ | 63,058 |  |  | $ | 967 |  |  | $ | 8 |  |  | $ | 64,033 |  |  | $ | 63,063 |
__________ (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.
Commercial Banking |
Loans and Leases Receivable Disclosure [Line Items] |
Credit Quality Indicator | The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of March 31, 2020 and December 31, 2019. The internal risk rating status includes all past due loans, both performing and nonperforming. Table 3.5: Commercial Banking Portfolio by Internal Risk Ratings
|  | March 31, 2020
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 1,846 |  |  | $ | 5,748 |  |  | $ | 4,096 |  |  | $ | 2,264 |  |  | $ | 2,344 |  |  | $ | 7,181 |  |  | $ | 23,479 |  |  | $ | 8,284 |  |  | $ | 0 |  |  | $ | 31,763 |
Criticized performing |  | 0 |  |  | 55 |  |  | 9 |  |  | 91 |  |  | 161 |  |  | 223 |  |  | 539 |  |  | 0 |  |  | 0 |  |  | 539 |
Criticized nonperforming |  | 0 |  |  | 0 |  |  | 1 |  |  | 9 |  |  | 1 |  |  | 60 |  |  | 71 |  |  | 0 |  |  | 0 |  |  | 71 |
Total commercial and multifamily real estate |  | 1,846 |  |  | 5,803 |  |  | 4,106 |  |  | 2,364 |  |  | 2,506 |  |  | 7,464 |  |  | 24,089 |  |  | 8,284 |  |  | 0 |  |  | 32,373 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 2,712 |  |  | 11,031 |  |  | 5,085 |  |  | 3,290 |  |  | 2,098 |  |  | 4,149 |  |  | 28,365 |  |  | 17,504 |  |  | 82 |  |  | 45,951 |
Criticized performing |  | 32 |  |  | 380 |  |  | 324 |  |  | 287 |  |  | 95 |  |  | 120 |  |  | 1,238 |  |  | 1,172 |  |  | 3 |  |  | 2,413 |
Criticized nonperforming |  | 12 |  |  | 93 |  |  | 19 |  |  | 78 |  |  | 11 |  |  | 0 |  |  | 213 |  |  | 210 |  |  | 0 |  |  | 423 |
Total commercial and industrial |  | 2,756 |  |  | 11,504 |  |  | 5,428 |  |  | 3,655 |  |  | 2,204 |  |  | 4,269 |  |  | 29,816 |  |  | 18,886 |  |  | 85 |  |  | 48,787 |
Total commercial banking |  | $ | 4,602 |  |  | $ | 17,307 |  |  | $ | 9,534 |  |  | $ | 6,019 |  |  | $ | 4,710 |  |  | $ | 11,733 |  |  | $ | 53,905 |  |  | $ | 27,170 |  |  | $ | 85 |  |  | $ | 81,160 |
|  | 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 | %
__________ (1) Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities.

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
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