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Loans and Related Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Asset Quality [Abstract] |
Summary Of The Classification Of Portfolio Segments |
Commercial |  | Consumer
• Commercial and industrial |  | • Residential real estate
• Commercial real estate |  | • Home equity
• Equipment lease financing |  | • Automobile
|  | • Credit card
|  | • Education
|  | • Other consumer
Analysis of Loan Portfolio | Table 42: Analysis of Loan Portfolio (a) (b)
| Accruing |  |  |  |  |  |  |
Dollars in millions | Current or Less Than 30 Days Past Due | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days Or More Past Due | Total Past Due (c) |  | Nonperforming Loans | Fair Value Option Nonaccrual Loans (d) | Total Loans (e)(f) |  |  |
March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 156,860 |  | $ | 185 |  | $ | 64 |  | $ | 105 |  | $ | 354 |  |  | $ | 660 |  |  | $ | 157,874 |  |  |  |
Commercial real estate | 33,723 |  | 68 |  | 41 |  | 7 |  | 116 |  |  | 332 |  |  | 34,171 |  |  |  |
Equipment lease financing | 6,189 |  | 20 |  | 1 |  |  | 21 |  |  | 6 |  |  | 6,216 |  |  |  |
Total commercial | 196,772 |  | 273 |  | 106 |  | 112 |  | 491 |  |  | 998 |  |  | 198,261 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 39,738 |  | 305 |  | 84 |  | 273 |  | 662 |  | (c) | 526 |  | $ | 640 |  | 41,566 |  |  |  |
Home equity | 23,463 |  | 41 |  | 16 |  |  | 57 |  |  | 576 |  | 89 |  | 24,185 |  |  |  |
Automobile | 15,677 |  | 109 |  | 26 |  | 8 |  | 143 |  |  | 181 |  |  | 16,001 |  |  |  |
Credit card | 6,327 |  | 39 |  | 28 |  | 62 |  | 129 |  |  | 8 |  |  | 6,464 |  |  |  |
Education | 2,312 |  | 41 |  | 24 |  | 64 |  | 129 |  | (c) |  |  | 2,441 |  |  |  |
Other consumer | 5,442 |  | 47 |  | 26 |  | 15 |  | 88 |  |  | 9 |  |  | 5,539 |  |  |  |
Total consumer | 92,959 |  | 582 |  | 204 |  | 422 |  | 1,208 |  |  | 1,300 |  | 729 |  | 96,196 |  |  |  |
Total | $ | 289,731 |  | $ | 855 |  | $ | 310 |  | $ | 534 |  | $ | 1,699 |  |  | $ | 2,298 |  | $ | 729 |  | $ | 294,457 |  |  |  |
Percentage of total loans | 98.39 | % | 0.29 | % | 0.11 | % | 0.18 | % | 0.58 | % |  | 0.78 | % | 0.25 | % | 100.00 | % |  |  |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 151,698 |  | $ | 235 |  | $ | 72 |  | $ | 132 |  | $ | 439 |  |  | $ | 796 |  |  | $ | 152,933 |  |  |  |
Commercial real estate | 33,580 |  | 46 |  | 24 |  | 1 |  | 71 |  |  | 364 |  |  | 34,015 |  |  |  |
Equipment lease financing | 6,095 |  | 25 |  | 2 |  |  | 27 |  |  | 8 |  |  | 6,130 |  |  |  |
Total commercial | 191,373 |  | 306 |  | 98 |  | 133 |  | 537 |  |  | 1,168 |  |  | 193,078 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 37,706 |  | 379 |  | 119 |  | 328 |  | 826 |  | (c) | 517 |  | $ | 663 |  | 39,712 |  |  |  |
Home equity | 23,305 |  | 53 |  | 18 |  |  | 71 |  |  | 596 |  | 89 |  | 24,061 |  |  |  |
Automobile | 16,252 |  | 146 |  | 40 |  | 14 |  | 200 |  |  | 183 |  |  | 16,635 |  |  |  |
Credit card | 6,475 |  | 49 |  | 33 |  | 62 |  | 144 |  |  | 7 |  |  | 6,626 |  |  |  |
Education | 2,400 |  | 43 |  | 25 |  | 65 |  | 133 |  | (c) |  |  | 2,533 |  |  |  |
Other consumer | 5,644 |  | 35 |  | 22 |  | 17 |  | 74 |  |  | 9 |  |  | 5,727 |  |  |  |
Total consumer | 91,782 |  | 705 |  | 257 |  | 486 |  | 1,448 |  |  | 1,312 |  | 752 |  | 95,294 |  |  |  |
Total | $ | 283,155 |  | $ | 1,011 |  | $ | 355 |  | $ | 619 |  | $ | 1,985 |  |  | $ | 2,480 |  | $ | 752 |  | $ | 288,372 |  |  |  |
Percentage of total loans | 98.19 | % | 0.35 | % | 0.12 | % | 0.21 | % | 0.69 | % |  | 0.86 | % | 0.26 | % | 100.00 | % |  |  |
(a)Amounts in table represent loans held for investment and do not include any associated ALLL. (b)The accrued interest associated with our loan portfolio totaled $0.7 billion at both March 31, 2022 and December 31, 2021. These amounts are included in Other assets on the Consolidated Balance Sheet. (c)Past due loan amounts include government insured or guaranteed Residential real estate loans and Education loans totaling $0.3 billion and $0.1 billion at March 31, 2022. Comparable amounts at December 31, 2021 were $0.4 billion and $0.1 billion. (d)Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population. (e)Includes unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans totaling $0.7 billion at both March 31, 2022 and December 31, 2021. (f)Collateral dependent loans totaled $1.4 billion and $1.7 billion at March 31, 2022 and December 31, 2021, respectively.
Nonperforming Assets | The following table presents our nonperforming assets as of March 31, 2022 and December 31, 2021, respectively: Table 43: Nonperforming Assets
Dollars in millions |  | March 31 2022 |  | December 31 2021 |
Nonperforming loans |  |  |  |  |
Commercial |  | $ | 998 |  |  | $ | 1,168 |  |
Consumer (a) |  | 1,300 |  |  | 1,312 |  |
Total nonperforming loans (b) |  | 2,298 |  |  | 2,480 |  |
OREO and foreclosed assets |  | 26 |  |  | 26 |  |
Total nonperforming assets |  | $ | 2,324 |  |  | $ | 2,506 |  |
Nonperforming loans to total loans |  | 0.78 | % |  | 0.86 | % |
Nonperforming assets to total loans, OREO and foreclosed assets |  | 0.79 | % |  | 0.87 | % |
Nonperforming assets to total assets |  | 0.43 | % |  | 0.45 | % |
(a)Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status. (b)Nonperforming loans for which there is no related ALLL totaled $0.9 billion at March 31, 2022 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2021 was $1.0 billion.
Credit Quality Indicators By Loan Class | The following table presents credit quality indicators for the commercial loan classes: Table 44: Commercial Credit Quality Indicators (a)
| Term Loans by Origination Year |  |  |
March 31, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 6,934 |  | $ | 19,775 |  | $ | 11,724 |  | $ | 10,502 |  | $ | 6,410 |  | $ | 18,188 |  | $ | 77,672 |  | $ | 82 |  | $ | 151,287 |
Criticized | 79 |  | 233 |  | 331 |  | 840 |  | 520 |  | 1,229 |  | 3,327 |  | 28 |  | 6,587 |
Total commercial and industrial | 7,013 |  | 20,008 |  | 12,055 |  | 11,342 |  | 6,930 |  | 19,417 |  | 80,999 |  | 110 |  | 157,874 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 2,013 |  | 3,704 |  | 4,025 |  | 6,254 |  | 3,837 |  | 9,318 |  | 376 |  |  | 29,527 |
Criticized | 102 |  | 158 |  | 315 |  | 973 |  | 990 |  | 2,057 |  | 49 |  |  | 4,644 |
Total commercial real estate | 2,115 |  | 3,862 |  | 4,340 |  | 7,227 |  | 4,827 |  | 11,375 |  | 425 |  |  | 34,171 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 368 |  | 1,152 |  | 1,128 |  | 878 |  | 620 |  | 1,845 |  |  |  | 5,991 |
Criticized | 9 |  | 52 |  | 61 |  | 48 |  | 30 |  | 25 |  |  |  | 225 |
Total equipment lease financing | 377 |  | 1,204 |  | 1,189 |  | 926 |  | 650 |  | 1,870 |  |  |  | 6,216 |
Total commercial | $ | 9,505 |  | $ | 25,074 |  | $ | 17,584 |  | $ | 19,495 |  | $ | 12,407 |  | $ | 32,662 |  | $ | 81,424 |  | $ | 110 |  | $ | 198,261 |
| Term Loans by Origination Year |  |  |
December 31, 2021 In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 27,104 |  | $ | 12,053 |  | $ | 10,731 |  | $ | 6,698 |  | $ | 6,355 |  | $ | 11,759 |  | $ | 71,230 |  | $ | 90 |  | $ | 146,020 |
Criticized | 283 |  | 368 |  | 815 |  | 649 |  | 496 |  | 824 |  | 3,448 |  | 30 |  | 6,913 |
Total commercial and industrial | 27,387 |  | 12,421 |  | 11,546 |  | 7,347 |  | 6,851 |  | 12,583 |  | 74,678 |  | 120 |  | 152,933 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 4,110 |  | 4,109 |  | 6,355 |  | 4,234 |  | 2,634 |  | 7,562 |  | 436 |  |  | 29,440 |
Criticized | 294 |  | 298 |  | 999 |  | 820 |  | 566 |  | 1,552 |  | 46 |  |  | 4,575 |
Total commercial real estate | 4,404 |  | 4,407 |  | 7,354 |  | 5,054 |  | 3,200 |  | 9,114 |  | 482 |  |  | 34,015 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 1,212 |  | 1,190 |  | 942 |  | 682 |  | 507 |  | 1,410 |  |  |  | 5,943 |
Criticized | 37 |  | 54 |  | 41 |  | 29 |  | 19 |  | 7 |  |  |  | 187 |
Total equipment lease financing | 1,249 |  | 1,244 |  | 983 |  | 711 |  | 526 |  | 1,417 |  |  |  | 6,130 |
Total commercial | $ | 33,040 |  | $ | 18,072 |  | $ | 19,883 |  | $ | 13,112 |  | $ | 10,577 |  | $ | 23,114 |  | $ | 75,160 |  | $ | 120 |  | $ | 193,078 |
(a)Loans in our commercial portfolio are classified as Pass Rated or Criticized based on the regulatory definitions, which are driven by the PD and LGD ratings that we assign. The Criticized classification includes loans that were rated special mention, substandard or doubtful as of March 31, 2022 and December 31, 2021. Residential Real Estate and Home Equity The following table presents credit quality indicators for the residential real estate and home equity loan classes: Table 45: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes
| Term Loans by Origination Year |  |  |
March 31, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  | $ | 30 |  | $ | 56 |  | $ | 16 |  | $ | 10 |  | $ | 61 |  |  |  | $ | 173 |
Greater than or equal to 80% to 100% | $ | 780 |  | 659 |  | 497 |  | 176 |  | 75 |  | 216 |  |  |  | 2,403 |
Less than 80% | 2,628 |  | 16,282 |  | 7,422 |  | 2,562 |  | 910 |  | 8,395 |  |  |  | 38,199 |
No LTV available |  | 51 |  | 12 |  |  | 1 |  | 14 |  |  |  | 78 |
Government insured or guaranteed loans |  | 4 |  | 35 |  | 35 |  | 27 |  | 612 |  |  |  | 713 |
Total residential real estate | $ | 3,408 |  | $ | 17,026 |  | $ | 8,022 |  | $ | 2,789 |  | $ | 1,023 |  | $ | 9,298 |  |  |  | $ | 41,566 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 1,551 |  | $ | 11,744 |  | $ | 5,524 |  | $ | 1,780 |  | $ | 531 |  | $ | 4,681 |  |  |  | $ | 25,811 |
720 to 779 | 1,712 |  | 4,217 |  | 1,678 |  | 566 |  | 219 |  | 1,820 |  |  |  | 10,212 |
660 to 719 | 142 |  | 812 |  | 456 |  | 226 |  | 127 |  | 906 |  |  |  | 2,669 |
Less than 660 | 1 |  | 113 |  | 104 |  | 105 |  | 75 |  | 901 |  |  |  | 1,299 |
No FICO score available | 2 |  | 136 |  | 225 |  | 77 |  | 44 |  | 378 |  |  |  | 862 |
Government insured or guaranteed loans |  | 4 |  | 35 |  | 35 |  | 27 |  | 612 |  |  |  | 713 |
Total residential real estate | $ | 3,408 |  | $ | 17,026 |  | $ | 8,022 |  | $ | 2,789 |  | $ | 1,023 |  | $ | 9,298 |  |  |  | $ | 41,566 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  | $ | 1 |  | $ | 19 |  | $ | 12 |  | $ | 3 |  | $ | 25 |  | $ | 319 |  | $ | 101 |  | $ | 480 |
Greater than or equal to 80% to 100% |  | 6 |  | 84 |  | 51 |  | 9 |  | 58 |  | 838 |  | 830 |  | 1,876 |
Less than 80% |  | 190 |  | 2,309 |  | 1,097 |  | 339 |  | 3,441 |  | 7,560 |  | 6,893 |  | 21,829 |
Total home equity |  | $ | 197 |  | $ | 2,412 |  | $ | 1,160 |  | $ | 351 |  | $ | 3,524 |  | $ | 8,717 |  | $ | 7,824 |  | $ | 24,185 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  | $ | 117 |  | $ | 1,488 |  | $ | 622 |  | $ | 183 |  | $ | 2,159 |  | $ | 5,208 |  | $ | 4,162 |  | $ | 13,939 |
720 to 779 |  | 54 |  | 629 |  | 321 |  | 81 |  | 700 |  | 2,160 |  | 1,995 |  | 5,940 |
660 to 719 |  | 23 |  | 236 |  | 161 |  | 53 |  | 360 |  | 1,015 |  | 983 |  | 2,831 |
Less than 660 |  | 3 |  | 56 |  | 55 |  | 33 |  | 295 |  | 315 |  | 608 |  | 1,365 |
No FICO score available |  |  | 3 |  | 1 |  | 1 |  | 10 |  | 19 |  | 76 |  | 110 |
Total home equity |  | $ | 197 |  | $ | 2,412 |  | $ | 1,160 |  | $ | 351 |  | $ | 3,524 |  | $ | 8,717 |  | $ | 7,824 |  | $ | 24,185 |
| Term Loans by Origination Year |  |  |
December 31, 2021 In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 10 |  | $ | 52 |  | $ | 21 |  | $ | 12 |  | $ | 13 |  | $ | 77 |  |  |  | $ | 185 |
Greater than or equal to 80% to 100% | 1,460 |  | 560 |  | 221 |  | 86 |  | 66 |  | 190 |  |  |  | 2,583 |
Less than 80% | 15,213 |  | 7,822 |  | 2,834 |  | 1,004 |  | 1,570 |  | 7,385 |  |  |  | 35,828 |
No LTV available | 275 |  | 6 |  | 1 |  | 1 |  |  | 22 |  |  |  | 305 |
Government insured or guaranteed loans | 3 |  | 33 |  | 37 |  | 30 |  | 39 |  | 669 |  |  |  | 811 |
Total residential real estate | $ | 16,961 |  | $ | 8,473 |  | $ | 3,114 |  | $ | 1,133 |  | $ | 1,688 |  | $ | 8,343 |  |  |  | $ | 39,712 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 11,110 |  | $ | 5,898 |  | $ | 1,996 |  | $ | 596 |  | $ | 1,029 |  | $ | 4,052 |  |  |  | $ | 24,681 |
720 to 779 | 4,921 |  | 1,735 |  | 643 |  | 247 |  | 345 |  | 1,619 |  |  |  | 9,510 |
660 to 719 | 717 |  | 463 |  | 255 |  | 136 |  | 133 |  | 796 |  |  |  | 2,500 |
Less than 660 | 83 |  | 103 |  | 96 |  | 75 |  | 94 |  | 848 |  |  |  | 1,299 |
No FICO score available | 127 |  | 241 |  | 87 |  | 49 |  | 48 |  | 359 |  |  |  | 911 |
Government insured or guaranteed loans | 3 |  | 33 |  | 37 |  | 30 |  | 39 |  | 669 |  |  |  | 811 |
Total residential real estate | $ | 16,961 |  | $ | 8,473 |  | $ | 3,114 |  | $ | 1,133 |  | $ | 1,688 |  | $ | 8,343 |  |  |  | $ | 39,712 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 1 |  | $ | 16 |  | $ | 14 |  | $ | 3 |  | $ | 2 |  | $ | 25 |  | $ | 329 |  | $ | 90 |  | $ | 480 |
Greater than or equal to 80% to 100% | 7 |  | 85 |  | 62 |  | 13 |  | 11 |  | 66 |  | 990 |  | 674 |  | 1,908 |
Less than 80% | 204 |  | 2,487 |  | 1,189 |  | 370 |  | 549 |  | 3,200 |  | 7,868 |  | 5,806 |  | 21,673 |
Total home equity | $ | 212 |  | $ | 2,588 |  | $ | 1,265 |  | $ | 386 |  | $ | 562 |  | $ | 3,291 |  | $ | 9,187 |  | $ | 6,570 |  | $ | 24,061 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 124 |  | $ | 1,619 |  | $ | 692 |  | $ | 201 |  | $ | 364 |  | $ | 2,035 |  | $ | 5,490 |  | $ | 3,320 |  | $ | 13,845 |
720 to 779 | 61 |  | 666 |  | 348 |  | 96 |  | 116 |  | 642 |  | 2,283 |  | 1,679 |  | 5,891 |
660 to 719 | 23 |  | 248 |  | 167 |  | 56 |  | 53 |  | 327 |  | 1,071 |  | 872 |  | 2,817 |
Less than 660 | 4 |  | 53 |  | 57 |  | 32 |  | 28 |  | 277 |  | 325 |  | 615 |  | 1,391 |
No FICO score available |  | 2 |  | 1 |  | 1 |  | 1 |  | 10 |  | 18 |  | 84 |  | 117 |
Total home equity | $ | 212 |  | $ | 2,588 |  | $ | 1,265 |  | $ | 386 |  | $ | 562 |  | $ | 3,291 |  | $ | 9,187 |  | $ | 6,570 |  | $ | 24,061 |
The following table presents credit quality indicators for the automobile, credit card, education and other consumer loan classes: Table 46: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes
| Term Loans by Origination Year |  |  |
March 31, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 920 |  | $ | 2,682 |  | $ | 1,302 |  | $ | 1,160 |  | $ | 432 |  | $ | 215 |  |  |  | $ | 6,711 |
720 to 779 | 405 |  | 1,984 |  | 856 |  | 879 |  | 410 |  | 193 |  |  |  | 4,727 |
660 to 719 | 159 |  | 974 |  | 536 |  | 671 |  | 347 |  | 151 |  |  |  | 2,838 |
Less than 660 | 9 |  | 318 |  | 306 |  | 536 |  | 380 |  | 176 |  |  |  | 1,725 |
Total automobile | $ | 1,493 |  | $ | 5,958 |  | $ | 3,000 |  | $ | 3,246 |  | $ | 1,569 |  | $ | 735 |  |  |  | $ | 16,001 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,797 |  | $ | 2 |  | $ | 1,799 |
720 to 779 |  |  |  |  |  |  | 1,779 |  | 8 |  | 1,787 |
660 to 719 |  |  |  |  |  |  | 1,793 |  | 18 |  | 1,811 |
Less than 660 |  |  |  |  |  |  | 918 |  | 30 |  | 948 |
No FICO score available or required (a) |  |  |  |  |  |  | 116 |  | 3 |  | 119 |
Total credit card |  |  |  |  |  |  | $ | 6,403 |  | $ | 61 |  | $ | 6,464 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 1 |  | $ | 56 |  | $ | 55 |  | $ | 69 |  | $ | 57 |  | $ | 404 |  |  |  | $ | 642 |
720 to 779 | 4 |  | 29 |  | 29 |  | 36 |  | 29 |  | 176 |  |  |  | 303 |
660 to 719 | 4 |  | 9 |  | 9 |  | 11 |  | 10 |  | 75 |  |  |  | 118 |
Less than 660 | 1 |  | 1 |  | 2 |  | 2 |  | 2 |  | 28 |  |  |  | 36 |
No FICO score available or required (a) | 4 |  | 9 |  | 9 |  | 6 |  | 2 |  | 1 |  |  |  | 31 |
Education loans using FICO credit metric | 14 |  | 104 |  | 104 |  | 124 |  | 100 |  | 684 |  |  |  | 1,130 |
Other internal credit metrics |  |  |  |  |  | 1,311 |  |  |  | 1,311 |
Total education | $ | 14 |  | $ | 104 |  | $ | 104 |  | $ | 124 |  | $ | 100 |  | $ | 1,995 |  |  |  | $ | 2,441 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 49 |  | $ | 166 |  | $ | 102 |  | $ | 94 |  | $ | 34 |  | $ | 34 |  | $ | 76 |  |  | $ | 555 |
720 to 779 | 64 |  | 214 |  | 136 |  | 129 |  | 51 |  | 27 |  | 109 |  |  | 730 |
660 to 719 | 64 |  | 164 |  | 123 |  | 136 |  | 65 |  | 20 |  | 107 |  |  | 679 |
Less than 660 |  | 56 |  | 56 |  | 71 |  | 43 |  | 12 |  | 47 |  |  | 285 |
Other consumer loans using FICO credit metric | 177 |  | 600 |  | 417 |  | 430 |  | 193 |  | 93 |  | 339 |  |  | 2,249 |
Other internal credit metrics | 27 |  | 54 |  | 24 |  | 42 |  | 16 |  | 60 |  | 3,038 |  | 29 |  | 3,290 |
Total other consumer | $ | 204 |  | $ | 654 |  | $ | 441 |  | $ | 472 |  | $ | 209 |  | $ | 153 |  | $ | 3,377 |  | $ | 29 |  | $ | 5,539 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 2021 In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 3,247 |  | $ | 1,496 |  | $ | 1,380 |  | $ | 533 |  | $ | 226 |  | $ | 79 |  |  |  | $ | 6,961 |
720 to 779 | 2,119 |  | 983 |  | 1,030 |  | 499 |  | 195 |  | 62 |  |  |  | 4,888 |
660 to 719 | 969 |  | 609 |  | 772 |  | 413 |  | 155 |  | 44 |  |  |  | 2,962 |
Less than 660 | 277 |  | 315 |  | 583 |  | 429 |  | 162 |  | 58 |  |  |  | 1,824 |
Total automobile | $ | 6,612 |  | $ | 3,403 |  | $ | 3,765 |  | $ | 1,874 |  | $ | 738 |  | $ | 243 |  |  |  | $ | 16,635 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,815 |  | $ | 2 |  | $ | 1,817 |
720 to 779 |  |  |  |  |  |  | 1,836 |  | 9 |  | 1,845 |
660 to 719 |  |  |  |  |  |  | 1,856 |  | 19 |  | 1,875 |
Less than 660 |  |  |  |  |  |  | 943 |  | 29 |  | 972 |
No FICO score available or required (a) |  |  |  |  |  |  | 114 |  | 3 |  | 117 |
Total credit card |  |  |  |  |  |  | $ | 6,564 |  | $ | 62 |  | $ | 6,626 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 37 |  | $ | 60 |  | $ | 77 |  | $ | 62 |  | $ | 48 |  | $ | 392 |  |  |  | $ | 676 |
720 to 779 | 20 |  | 29 |  | 37 |  | 30 |  | 21 |  | 160 |  |  |  | 297 |
660 to 719 | 7 |  | 9 |  | 11 |  | 11 |  | 7 |  | 73 |  |  |  | 118 |
Less than 660 | 1 |  | 1 |  | 2 |  | 2 |  | 2 |  | 25 |  |  |  | 33 |
No FICO score available or required (a) | 11 |  | 10 |  | 7 |  | 2 |  |  | 1 |  |  |  | 31 |
Education loans using FICO credit metric | 76 |  | 109 |  | 134 |  | 107 |  | 78 |  | 651 |  |  |  | 1,155 |
Other internal credit metrics |  |  |  |  |  | 1,378 |  |  |  | 1,378 |
Total education | $ | 76 |  | $ | 109 |  | $ | 134 |  | $ | 107 |  | $ | 78 |  | $ | 2,029 |  |  |  | $ | 2,533 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 199 |  | $ | 131 |  | $ | 123 |  | $ | 47 |  | $ | 12 |  | $ | 32 |  | $ | 95 |  | $ | 1 |  | $ | 640 |
720 to 779 | 250 |  | 172 |  | 167 |  | 68 |  | 15 |  | 19 |  | 125 |  |  | 816 |
660 to 719 | 190 |  | 145 |  | 165 |  | 82 |  | 16 |  | 11 |  | 122 |  |  | 731 |
Less than 660 | 50 |  | 62 |  | 85 |  | 54 |  | 10 |  | 6 |  | 50 |  | 1 |  | 318 |
Other consumer loans using FICO credit metric | 689 |  | 510 |  | 540 |  | 251 |  | 53 |  | 68 |  | 392 |  | 2 |  | 2,505 |
Other internal credit metrics | 87 |  | 31 |  | 35 |  | 23 |  | 22 |  | 48 |  | 2,955 |  | 21 |  | 3,222 |
Total other consumer | $ | 776 |  | $ | 541 |  | $ | 575 |  | $ | 274 |  | $ | 75 |  | $ | 116 |  | $ | 3,347 |  | $ | 23 |  | $ | 5,727 |
(a)Loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score (e.g., recent profile changes), cards issued with a business name and/or cards secured by collateral. Management proactively assesses the risk and size of this loan category and, when necessary, takes actions to mitigate the credit risk.
Financial Impact and TDRs by Concession Type | Table 47: Financial Impact and TDRs by Concession Type (a)
|  |  | Pre-TDR Amortized Cost Basis (b) |  | Post-TDR Amortized Cost Basis (c) |
Three months ended March 31 Dollars in millions | Number of Loans |  | Principal Forgiveness |  | Rate Reduction |  | Other |  | Total |
2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 12 |  |  | $ | 53 |  |  |  |  |  |  | $ | 46 |  |  | $ | 46 |  |
Consumer |  | 2,895 |  |  | 36 |  |  |  |  | $ | 26 |  |  | 7 |  |  | 33 |  |
Total TDRs |  | 2,907 |  |  | $ | 89 |  |  |  |  | $ | 26 |  |  | $ | 53 |  |  | $ | 79 |  |
2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 19 |  |  | $ | 93 |  |  |  |  |  |  | $ | 94 |  |  | $ | 94 |  |
Consumer |  | 2,096 |  |  | 32 |  |  |  |  | $ | 16 |  |  | 12 |  |  | 28 |  |
Total TDRs |  | 2,115 |  |  | $ | 125 |  |  |  |  | $ | 16 |  |  | $ | 106 |  |  | $ | 122 |  |
(a) Impact of partial charge-offs at TDR date is included in this table. (b) Represents the amortized cost basis of the loans as of the quarter end prior to TDR designation. (c) Represents the amortized cost basis of the TDRs as of the end of the quarter in which the TDR occurs.
Rollforward of Allowance for Credit Losses | A rollforward of the ACL related to loans follows: Table 48: Rollforward of Allowance for Credit Losses
| Three months ended March 31 |  |  |
| 2022 |  | 2021 |  |  |  |
In millions | Commercial | Consumer | Total |  | Commercial | Consumer | Total |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,185 |  | $ | 1,683 |  | $ | 4,868 |  |  | $ | 3,337 |  | $ | 2,024 |  | $ | 5,361 |  |  |  |  |  |  |  |  |
Charge-offs | (52) |  | (199) |  | (251) |  |  | (69) |  | (174) |  | (243) |  |  |  |  |  |  |  |  |
Recoveries | 34 |  | 80 |  | 114 |  |  | 18 |  | 79 |  | 97 |  |  |  |  |  |  |  |  |
Net (charge-offs) | (18) |  | (119) |  | (137) |  |  | (51) |  | (95) |  | (146) |  |  |  |  |  |  |  |  |
Provision for (recapture of) credit losses | (163) |  | (9) |  | (172) |  |  | (204) |  | (298) |  | (502) |  |  |  |  |  |  |  |  |
Other | (1) |  |  | (1) |  |  | 1 |  |  | 1 |  |  |  |  |  |  |  |  |
Ending balance | $ | 3,003 |  | $ | 1,555 |  | $ | 4,558 |  |  | $ | 3,083 |  | $ | 1,631 |  | $ | 4,714 |  |  |  |  |  |  |  |  |
Allowance for unfunded lending related commitments (a) |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 564 |  | $ | 98 |  | $ | 662 |  |  | $ | 485 |  | $ | 99 |  | $ | 584 |  |  |  |  |  |  |  |  |
Provision for (recapture of) credit losses | 23 |  | (46) |  | (23) |  |  | (82) |  | 5 |  | (77) |  |  |  |  |  |  |  |  |
Ending balance | $ | 587 |  | $ | 52 |  | $ | 639 |  |  | $ | 403 |  | $ | 104 |  | $ | 507 |  |  |  |  |  |  |  |  |
Allowance for credit losses at March 31 (b) | $ | 3,590 |  | $ | 1,607 |  | $ | 5,197 |  |  | $ | 3,486 |  | $ | 1,735 |  | $ | 5,221 |  |  |  |  |  |  |  |  |
(a) See Note 8 Commitments for additional information about the underlying commitments related to this allowance. (b) Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $158 million and $136 million at March 31, 2022 and 2021, respectively.

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