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v3.21.2

Loans (Tables) | 9 Months Ended
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Sep. 30, 2021
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 September 30, 2021 and December 31, 2020. The delinquency aging includes all past due loans, both performing and nonperforming. Table 3.1: Loan Portfolio Composition and Aging Analysis
|  | September 30, 2021
|  |  |  | Delinquent Loans |  |
(Dollars in millions) |  | Current |  | 30-59 Days |  | 60-89 Days |  | > 90 Days |  | Total Delinquent Loans |  | Total Loans
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 97,346 |  |  | $ | 646 |  |  | $ | 425 |  |  | $ | 841 |  |  | $ | 1,912 |  |  | $ | 99,258 |
International card businesses |  | 5,579 |  |  | 72 |  |  | 45 |  |  | 76 |  |  | 193 |  |  | 5,772 |
Total credit card |  | 102,925 |  |  | 718 |  |  | 470 |  |  | 917 |  |  | 2,105 |  |  | 105,030 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 71,770 |  |  | 1,996 |  |  | 769 |  |  | 181 |  |  | 2,946 |  |  | 74,716 |
Retail banking |  | 2,347 |  |  | 26 |  |  | 5 |  |  | 18 |  |  | 49 |  |  | 2,396 |
Total consumer banking |  | 74,117 |  |  | 2,022 |  |  | 774 |  |  | 199 |  |  | 2,995 |  |  | 77,112 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 32,973 |  |  | 72 |  |  | 1 |  |  | 50 |  |  | 123 |  |  | 33,096 |
Commercial and industrial |  | 45,808 |  |  | 181 |  |  | 134 |  |  | 29 |  |  | 344 |  |  | 46,152 |
Total commercial banking |  | 78,781 |  |  | 253 |  |  | 135 |  |  | 79 |  |  | 467 |  |  | 79,248 |
Total loans(1) |  | $ | 255,823 |  |  | $ | 2,993 |  |  | $ | 1,379 |  |  | $ | 1,195 |  |  | $ | 5,567 |  |  | $ | 261,390 |
% of Total loans |  | 97.87 % |  | 1.14 | % |  | 0.53 | % |  | 0.46 | % |  | 2.13 | % |  | 100.00 %
|  | December 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 |  | $ | 96,116 |  |  | $ | 755 |  |  | $ | 464 |  |  | $ | 1,169 |  |  | $ | 2,388 |  |  | $ | 98,504 |
International card businesses |  | 8,218 |  |  | 90 |  |  | 58 |  |  | 86 |  |  | 234 |  |  | 8,452 |
Total credit card |  | 104,334 |  |  | 845 |  |  | 522 |  |  | 1,255 |  |  | 2,622 |  |  | 106,956 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 62,381 |  |  | 2,252 |  |  | 907 |  |  | 222 |  |  | 3,381 |  |  | 65,762 |
Retail banking |  | 3,064 |  |  | 28 |  |  | 19 |  |  | 15 |  |  | 62 |  |  | 3,126 |
Total consumer banking |  | 65,445 |  |  | 2,280 |  |  | 926 |  |  | 237 |  |  | 3,443 |  |  | 68,888 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 30,340 |  |  | 136 |  |  | 22 |  |  | 183 |  |  | 341 |  |  | 30,681 |
Commercial and industrial |  | 44,941 |  |  | 69 |  |  | 15 |  |  | 74 |  |  | 158 |  |  | 45,099 |
Total commercial banking |  | 75,281 |  |  | 205 |  |  | 37 |  |  | 257 |  |  | 499 |  |  | 75,780 |
Total loans(1) |  | $ | 245,060 |  |  | $ | 3,330 |  |  | $ | 1,485 |  |  | $ | 1,749 |  |  | $ | 6,564 |  |  | $ | 251,624 |
% of Total loans |  | 97.39 | % |  | 1.32 | % |  | 0.59 | % |  | 0.70 | % |  | 2.61 | % |  | 100.00 | %
__________ (1)Loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $1.4 billion and $1.1 billion as of September 30, 2021 and December 31, 2020, respectively.
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, loans that are classified as nonperforming and loans that are classified as nonperforming without an allowance as of September 30, 2021 and December 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
|  | September 30, 2021 |  | December 31, 2020
(Dollars in millions) |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance |  | > 90 Days and Accruing |  | Nonperforming Loans(1) |  | Nonperforming Loans Without an Allowance
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 841 |  |  | N/A |  | $ | 0 |  |  | $ | 1,169 |  |  | N/A |  | $ | 0 |
International card businesses |  | 74 |  |  | $ | 9 |  |  | 0 |  |  | 82 |  |  | $ | 21 |  |  | 0 |
Total credit card |  | 915 |  |  | 9 |  |  | 0 |  |  | 1,251 |  |  | 21 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 0 |  |  | 270 |  |  | 0 |  |  | 0 |  |  | 294 |  |  | 0 |
Retail banking |  | 0 |  |  | 53 |  |  | 19 |  |  | 0 |  |  | 30 |  |  | 0 |
Total consumer banking |  | 0 |  |  | 323 |  |  | 19 |  |  | 0 |  |  | 324 |  |  | 0 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 287 |  |  | 265 |  |  | 51 |  |  | 200 |  |  | 184 |
Commercial and industrial |  | 7 |  |  | 314 |  |  | 233 |  |  | 0 |  |  | 450 |  |  | 265 |
Total commercial banking |  | 7 |  |  | 601 |  |  | 498 |  |  | 51 |  |  | 650 |  |  | 449 |
Total |  | $ | 922 |  |  | $ | 933 |  |  | $ | 517 |  |  | $ | 1,302 |  |  | $ | 995 |  |  | $ | 449 |
% of Total loans held for investment |  | 0.35 | % |  | 0.35 | % |  | 0.20 | % |  | 0.52 | % |  | 0.40 | % |  | 0.18 | %
__________ (1)We recognized interest income for loans classified as nonperforming of $1 million and $21 million for the three and nine months ended September 30, 2021, respectively, and $4 million and $22 million for the three and nine months ended September 30, 2020, respectively.
Financing Receivable, Allowance for Credit Loss [Line Items] |
TDR Disclosures | The following tables present the major modification types, amortized cost amounts and financial effects of loans modified in TDRs during the three and nine months ended September 30, 2021 and 2020. Table 3.6: Troubled Debt Restructurings
|  |  |  | Three Months Ended September 30, 2021
|  |  |  | Reduced Interest Rate |  | Term Extension |  |
(Dollars in millions) |  | Total Loans Modified(1) |  | % of TDR Activity(2) |  | Average Rate Reduction |  | % of TDR Activity(2) |  | Average Term Extension (Months) |  |  |  |
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | $ | 37 |  |  | 100 | % |  | 15.80 | % |  | 0 | % |  | 0 |  |  |  |
International card businesses |  | 28 |  |  | 100 |  |  | 27.75 |  |  | 0 |  |  | 0 |  |  |  |
Total credit card |  | 65 |  |  | 100 |  |  | 20.90 |  |  | 0 |  |  | 0 |  |  |  |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 89 |  |  | 48 |  |  | 8.54 |  |  | 92 |  |  | 4 |  |  |  |
Total consumer banking |  | 89 |  |  | 48 |  |  | 8.54 |  |  | 92 |  |  | 4 |  |  |  |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 21 |  |  | 14 |  |  | 2.50 |  |  | 100 |  |  | 12 |  |  |  |
Commercial and industrial |  | 4 |  |  | 0 |  |  | 0.00 |  |  | 100 |  |  | 4 |  |  |  |
Total commercial banking |  | 25 |  |  | 12 |  |  | 2.50 |  |  | 100 |  |  | 11 |  |  |  |
Total |  | $ | 179 |  |  | 61 |  |  | 68.95 |  |  | 59 |  |  | 6 |  |  |  |
|  |  |  | Nine Months Ended September 30, 2021
|  |  |  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | Total Loans Modified(1) |  | % 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 |  | $ | 114 |  |  | 100 | % |  | 16.00 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 94 |  |  | 100 |  |  | 27.66 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 208 |  |  | 100 |  |  | 21.26 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 269 |  |  | 40 |  |  | 8.74 |  |  | 93 |  |  | 4 |  | 0 |  |  | 1 |
Retail banking |  | 1 |  |  | 20 |  |  | 2.55 |  |  | 36 |  |  | 67 |  | 0 |  |  | 0 |
Total consumer banking |  | 270 |  |  | 40 |  |  | 8.72 |  |  | 93 |  |  | 4 |  | 0 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 41 |  |  | 7 |  |  | 1.29 |  |  | 100 |  |  | 13 |  | 0 |  |  | 0 |
Commercial and industrial |  | 82 |  |  | 0 |  |  | 0.00 |  |  | 41 |  |  | 8 |  | 0 |  |  | 0 |
Total commercial banking |  | 123 |  |  | 2 |  |  | 1.29 |  |  | 61 |  |  | 11 |  | 0 |  |  | 0 |
Total |  | $ | 601 |  |  | 53 |  |  | 16.84 |  |  | 54 |  |  | 5 |  | 0 |  |  | $ | 1 |
|  |  |  | Three Months Ended September 30, 2020
|  |  |  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | Total Loans Modified(1) |  | % 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 |  | $ | 50 |  |  | 100 | % |  | 15.53 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 39 |  |  | 100 |  |  | 27.89 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 89 |  |  | 100 |  |  | 20.94 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 133 |  |  | 3 |  |  | 4.83 |  |  | 94 |  |  | 2 |  | 0 |  |  | 1 |
Retail banking |  | 1 |  |  | 85 |  |  | 3.24 |  |  | 15 |  |  | 61 |  | 0 |  |  | 0 |
Total consumer banking |  | 134 |  |  | 4 |  |  | 4.75 |  |  | 94 |  |  | 2 |  | 0 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 57 |  |  | 0 |  |  | 0.00 |  |  | 100 |  |  | 4 |  | 0 |  |  | 0 |
Commercial and industrial |  | 201 |  |  | 0 |  |  | 0.00 |  |  | 54 |  |  | 32 |  | 0 |  |  | 0 |
Total commercial banking |  | 258 |  |  | 0 |  |  | 0.00 |  |  | 64 |  |  | 23 |  | 0 |  |  | 0 |
Total |  | $ | 481 |  |  | 19 |  |  | 20.08 |  |  | 61 |  |  | 14 |  | 0 |  |  | $ | 1 |
|  |  |  | Nine Months Ended September 30, 2020
|  |  |  | Reduced Interest Rate |  | Term Extension |  | Balance Reduction
(Dollars in millions) |  | Total Loans Modified(1) |  | % 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 |  | $ | 195 |  |  | 100 | % |  | 15.92 | % |  | 0 | % |  | 0 |  | 0 | % |  | $ | 0 |
International card businesses |  | 118 |  |  | 100 |  |  | 27.33 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Total credit card |  | 313 |  |  | 100 |  |  | 20.22 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 393 |  |  | 9 |  |  | 3.68 |  |  | 95 |  |  | 3 |  | 0 |  |  | 1 |
Retail banking |  | 5 |  |  | 9 |  |  | 10.85 |  |  | 15 |  |  | 8 |  | 0 |  |  | 0 |
Total consumer banking |  | 398 |  |  | 9 |  |  | 3.76 |  |  | 94 |  |  | 3 |  | 0 |  |  | 1 |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 85 |  |  | 0 |  |  | 0.00 |  |  | 100 |  |  | 6 |  | 0 |  |  | 0 |
Commercial and industrial |  | 389 |  |  | 0 |  |  | 0.00 |  |  | 52 |  |  | 21 |  | 4 |  |  | 7 |
Total commercial banking |  | 474 |  |  | 0 |  |  | 0.00 |  |  | 61 |  |  | 16 |  | 3 |  |  | 7 |
Total |  | $ | 1,185 |  |  | 29 |  |  | 18.49 |  |  | 56 |  |  | 9 |  | 1 |  |  | $ | 8 |
__________ (1)Represents the amortized cost 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. The following table presents the type, number and amortized cost 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 September 30, |  | Nine Months Ended September 30,
|  | 2021 |  | 2020 |  | 2021 |  | 2020 |  |
(Dollars in millions) |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  | Number of Contracts |  | Amount |  |  |  |
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card |  | 4,168 |  |  | $ | 7 |  |  | 6,554 |  |  | $ | 14 |  |  | 13,528 |  |  | $ | 25 |  |  | 27,022 |  |  | $ | 57 |  |  |  |  |
International card businesses |  | 12,680 |  |  | 17 |  |  | 10,673 |  |  | 17 |  |  | 44,709 |  |  | 68 |  |  | 46,038 |  |  | 68 |  |  |  |  |
Total credit card |  | 16,848 |  |  | 24 |  |  | 17,227 |  |  | 31 |  |  | 58,237 |  |  | 93 |  |  | 73,060 |  |  | 125 |  |  |  |  |
Consumer Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Auto |  | 2,151 |  |  | 34 |  |  | 1,307 |  |  | 15 |  |  | 6,453 |  |  | 98 |  |  | 3,442 |  |  | 42 |  |  |  |  |
Retail banking |  | 1 |  |  | 0 |  |  | 3 |  |  | 1 |  |  | 9 |  |  | 0 |  |  | 7 |  |  | 1 |  |  |  |  |
Total consumer banking |  | 2,152 |  |  | 34 |  |  | 1,310 |  |  | 16 |  |  | 6,462 |  |  | 98 |  |  | 3,449 |  |  | 43 |  |  |  |  |
Commercial Banking: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 50 |  |  | 0 |  |  | 0 |  |  |  |  |
Commercial and industrial |  | 1 |  |  | 38 |  |  | 4 |  |  | 16 |  |  | 7 |  |  | 120 |  |  | 11 |  |  | 65 |  |  |  |  |
Total commercial banking |  | 1 |  |  | 38 |  |  | 4 |  |  | 16 |  |  | 8 |  |  | 170 |  |  | 11 |  |  | 65 |  |  |  |  |
Total |  | 19,001 |  |  | $ | 96 |  |  | 18,541 |  |  | $ | 63 |  |  | 64,707 |  |  | $ | 361 |  |  | 76,520 |  |  | $ | 233 |  |  |  |  |
Credit Card |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our credit card portfolio by delinquency status as of September 30, 2021 and December 31, 2020. Table 3.3: Credit Card Delinquency Status
|  |  |  | September 30, 2021 |  | December 31, 2020
(Dollars in millions) |  |  |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Credit Card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Domestic credit card: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  |  |  | $ | 96,977 |  |  | $ | 369 |  |  | $ | 97,346 |  |  | $ | 95,629 |  |  | $ | 487 |  |  | $ | 96,116 |
30-59 days |  |  |  | 632 |  |  | 14 |  |  | 646 |  |  | 734 |  |  | 21 |  |  | 755 |
60-89 days |  |  |  | 417 |  |  | 8 |  |  | 425 |  |  | 451 |  |  | 13 |  |  | 464 |
Greater than 90 days |  |  |  | 832 |  |  | 9 |  |  | 841 |  |  | 1,155 |  |  | 14 |  |  | 1,169 |
Total domestic credit card |  |  |  | 98,858 |  |  | 400 |  |  | 99,258 |  |  | 97,969 |  |  | 535 |  |  | 98,504 |
International card businesses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  |  |  | 5,534 |  |  | 45 |  |  | 5,579 |  |  | 8,152 |  |  | 66 |  |  | 8,218 |
30-59 days |  |  |  | 67 |  |  | 5 |  |  | 72 |  |  | 79 |  |  | 11 |  |  | 90 |
60-89 days |  |  |  | 41 |  |  | 4 |  |  | 45 |  |  | 47 |  |  | 11 |  |  | 58 |
Greater than 90 days |  |  |  | 72 |  |  | 4 |  |  | 76 |  |  | 76 |  |  | 10 |  |  | 86 |
Total international card businesses |  |  |  | 5,714 |  |  | 58 |  |  | 5,772 |  |  | 8,354 |  |  | 98 |  |  | 8,452 |
Total credit card |  |  |  | $ | 104,572 |  |  | $ | 458 |  |  | $ | 105,030 |  |  | $ | 106,323 |  |  | $ | 633 |  |  | $ | 106,956 |
Consumer Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The table below presents our consumer banking portfolio of loans held for investment by credit quality indicator as of September 30, 2021 and December 31, 2020. 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
|  | September 30, 2021 |  |
|  | Term Loans by Vintage Year |  |  |  |  |  |  |  |
(Dollars in millions) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  |
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 16,685 |  |  | $ | 9,696 |  |  | $ | 5,448 |  |  | $ | 2,860 |  |  | $ | 1,475 |  |  | $ | 462 |  |  | $ | 36,626 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 36,626 |  |  |
621-660 |  | 6,093 |  |  | 4,212 |  |  | 2,435 |  |  | 1,276 |  |  | 666 |  |  | 231 |  |  | 14,913 |  |  | 0 |  |  | 0 |  |  | 14,913 |  |  |
620 or below |  | 7,949 |  |  | 7,131 |  |  | 4,321 |  |  | 2,150 |  |  | 1,161 |  |  | 465 |  |  | 23,177 |  |  | 0 |  |  | 0 |  |  | 23,177 |  |  |
Total auto |  | 30,727 |  |  | 21,039 |  |  | 12,204 |  |  | 6,286 |  |  | 3,302 |  |  | 1,158 |  |  | 74,716 |  |  | 0 |  |  | 0 |  |  | 74,716 |  |  |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 420 |  |  | 324 |  |  | 184 |  |  | 185 |  |  | 187 |  |  | 544 |  |  | 1,844 |  |  | 497 |  |  | 6 |  |  | 2,347 |  |  |
30-59 days |  | 0 |  |  | 1 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4 |  |  | 5 |  |  | 20 |  |  | 1 |  |  | 26 |  |  |
60-89 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 3 |  |  | 2 |  |  | 0 |  |  | 5 |  |  |
Greater than 90 days |  | 0 |  |  | 1 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 5 |  |  | 8 |  |  | 9 |  |  | 1 |  |  | 18 |  |  |
Total retail banking(2) |  | 420 |  |  | 326 |  |  | 184 |  |  | 186 |  |  | 188 |  |  | 556 |  |  | 1,860 |  |  | 528 |  |  | 8 |  |  | 2,396 |  |  |
Total consumer banking |  | $ | 31,147 |  |  | $ | 21,365 |  |  | $ | 12,388 |  |  | $ | 6,472 |  |  | $ | 3,490 |  |  | $ | 1,714 |  |  | $ | 76,576 |  |  | $ | 528 |  |  | $ | 8 |  |  | $ | 77,112 |  |  |
|  | December 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
Auto—At origination FICO scores:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Greater than 660 |  | $ | 13,352 |  |  | $ | 8,091 |  |  | $ | 4,675 |  |  | $ | 2,810 |  |  | $ | 1,168 |  |  | $ | 203 |  |  | $ | 30,299 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 30,299 |
621-660 |  | 5,781 |  |  | 3,631 |  |  | 2,003 |  |  | 1,172 |  |  | 488 |  |  | 109 |  |  | 13,184 |  |  | 0 |  |  | 0 |  |  | 13,184 |
620 or below |  | 9,550 |  |  | 6,298 |  |  | 3,317 |  |  | 1,985 |  |  | 886 |  |  | 243 |  |  | 22,279 |  |  | 0 |  |  | 0 |  |  | 22,279 |
Total auto |  | 28,683 |  |  | 18,020 |  |  | 9,995 |  |  | 5,967 |  |  | 2,542 |  |  | 555 |  |  | 65,762 |  |  | 0 |  |  | 0 |  |  | 65,762 |
Retail banking—Delinquency status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | 1,041 |  |  | 233 |  |  | 206 |  |  | 222 |  |  | 167 |  |  | 537 |  |  | 2,406 |  |  | 651 |  |  | 7 |  |  | 3,064 |
30-59 days |  | 0 |  |  | 0 |  |  | 7 |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 12 |  |  | 15 |  |  | 1 |  |  | 28 |
60-89 days |  | 0 |  |  | 0 |  |  | 1 |  |  | 0 |  |  | 5 |  |  | 4 |  |  | 10 |  |  | 8 |  |  | 1 |  |  | 19 |
Greater than 90 days |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 1 |  |  | 4 |  |  | 6 |  |  | 9 |  |  | 0 |  |  | 15 |
Total retail banking(2) |  | 1,041 |  |  | 233 |  |  | 214 |  |  | 224 |  |  | 175 |  |  | 547 |  |  | 2,434 |  |  | 683 |  |  | 9 |  |  | 3,126 |
Total consumer banking |  | $ | 29,724 |  |  | $ | 18,253 |  |  | $ | 10,209 |  |  | $ | 6,191 |  |  | $ | 2,717 |  |  | $ | 1,102 |  |  | $ | 68,196 |  |  | $ | 683 |  |  | $ | 9 |  |  | $ | 68,888 |
__________ (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. (2)Includes PPP loans of $538 million and $919 million as of September 30, 2021 and December 31, 2020, respectively.
Commercial Banking |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Credit Quality Indicator | The following table presents our commercial banking portfolio of loans held for investment by internal risk ratings as of September 30, 2021 and December 31, 2020. The internal risk rating status includes all past due loans, both performing and nonperforming. Table 3.5: Commercial Banking Portfolio by Internal Risk Ratings
|  | September 30, 2021
|  | Term Loans by Vintage Year |  |  |  |  |  |
(Dollars in millions) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Total Term Loans |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Internal risk rating:(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multifamily real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | $ | 3,663 |  |  | $ | 3,320 |  |  | $ | 3,984 |  |  | $ | 2,583 |  |  | $ | 924 |  |  | $ | 4,455 |  |  | $ | 18,929 |  |  | $ | 10,950 |  |  | $ | 0 |  |  | $ | 29,879 |
Criticized performing |  | 216 |  |  | 276 |  |  | 406 |  |  | 334 |  |  | 237 |  |  | 1,335 |  |  | 2,804 |  |  | 101 |  |  | 25 |  |  | 2,930 |
Criticized nonperforming |  | 0 |  |  | 0 |  |  | 8 |  |  | 29 |  |  | 10 |  |  | 240 |  |  | 287 |  |  | 0 |  |  | 0 |  |  | 287 |
Total commercial and multifamily real estate |  | 3,879 |  |  | 3,596 |  |  | 4,398 |  |  | 2,946 |  |  | 1,171 |  |  | 6,030 |  |  | 22,020 |  |  | 11,051 |  |  | 25 |  |  | 33,096 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 8,064 |  |  | 7,519 |  |  | 6,200 |  |  | 3,219 |  |  | 1,913 |  |  | 3,677 |  |  | 30,592 |  |  | 12,677 |  |  | 70 |  |  | 43,339 |
Criticized performing |  | 150 |  |  | 169 |  |  | 881 |  |  | 260 |  |  | 184 |  |  | 153 |  |  | 1,797 |  |  | 702 |  |  | 0 |  |  | 2,499 |
Criticized nonperforming |  | 43 |  |  | 57 |  |  | 83 |  |  | 42 |  |  | 8 |  |  | 18 |  |  | 251 |  |  | 63 |  |  | 0 |  |  | 314 |
Total commercial and industrial |  | 8,257 |  |  | 7,745 |  |  | 7,164 |  |  | 3,521 |  |  | 2,105 |  |  | 3,848 |  |  | 32,640 |  |  | 13,442 |  |  | 70 |  |  | 46,152 |
Total commercial banking(2) |  | $ | 12,136 |  |  | $ | 11,341 |  |  | $ | 11,562 |  |  | $ | 6,467 |  |  | $ | 3,276 |  |  | $ | 9,878 |  |  | $ | 54,660 |  |  | $ | 24,493 |  |  | $ | 95 |  |  | $ | 79,248 |
|  | December 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 |  | $ | 3,791 |  |  | $ | 4,932 |  |  | $ | 3,232 |  |  | $ | 1,437 |  |  | $ | 1,649 |  |  | $ | 4,904 |  |  | $ | 19,945 |  |  | $ | 7,114 |  |  | $ | 0 |  |  | $ | 27,059 |
Criticized performing |  | 320 |  |  | 446 |  |  | 515 |  |  | 355 |  |  | 391 |  |  | 1,258 |  |  | 3,285 |  |  | 112 |  |  | 25 |  |  | 3,422 |
Criticized nonperforming |  | 0 |  |  | 11 |  |  | 30 |  |  | 6 |  |  | 3 |  |  | 150 |  |  | 200 |  |  | 0 |  |  | 0 |  |  | 200 |
Total commercial and multifamily real estate |  | 4,111 |  |  | 5,389 |  |  | 3,777 |  |  | 1,798 |  |  | 2,043 |  |  | 6,312 |  |  | 23,430 |  |  | 7,226 |  |  | 25 |  |  | 30,681 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Noncriticized |  | 9,761 |  |  | 7,890 |  |  | 4,043 |  |  | 2,717 |  |  | 1,832 |  |  | 3,034 |  |  | 29,277 |  |  | 11,548 |  |  | 80 |  |  | 40,905 |
Criticized performing |  | 316 |  |  | 794 |  |  | 521 |  |  | 252 |  |  | 106 |  |  | 215 |  |  | 2,204 |  |  | 1,498 |  |  | 42 |  |  | 3,744 |
Criticized nonperforming |  | 74 |  |  | 108 |  |  | 25 |  |  | 51 |  |  | 9 |  |  | 0 |  |  | 267 |  |  | 183 |  |  | 0 |  |  | 450 |
Total commercial and industrial |  | 10,151 |  |  | 8,792 |  |  | 4,589 |  |  | 3,020 |  |  | 1,947 |  |  | 3,249 |  |  | 31,748 |  |  | 13,229 |  |  | 122 |  |  | 45,099 |
Total commercial banking(2) |  | $ | 14,262 |  |  | $ | 14,181 |  |  | $ | 8,366 |  |  | $ | 4,818 |  |  | $ | 3,990 |  |  | $ | 9,561 |  |  | $ | 55,178 |  |  | $ | 20,455 |  |  | $ | 147 |  |  | $ | 75,780 |
__________ (1)Criticized exposures correspond to the “Special Mention,” “Substandard” and “Doubtful” asset categories defined by bank regulatory authorities. (2)Includes PPP loans of $182 million and $238 million as of September 30, 2021 and December 31, 2020, respectively.

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