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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Amount |  |  |
U.S. Federal income tax expense | $ 558 | $ 625 | $ 273
Increase (decrease) resulting from: |  |  |
State and local income taxes (net of federal benefit) | 133 | 126 | 54
Bank-owned life insurance | (19) | (14) | (12)
Tax-exempt interest | (8) | (7) | (10)
Tax advantaged investments (including related credits) | (102) | (95) | (68)
Other tax credits | (9) | (7) | (6)
Adjustments for uncertain tax positions | 1 | 3 | (1)
Non-deductible FDIC premiums | 20 | 14 | 14
Legacy tax matters | 3 | 0 | (4)
Other | 5 | 13 | 1
Income tax expense | $ 582 | $ 658 | $ 241
Rate |  |  |
U.S. Federal income tax rate | 21.00% | 21.00% | 21.00%
Increase (decrease) resulting from: |  |  |
State and local income taxes (net of federal benefit) | 5.00% | 4.20% | 4.20%
Bank-owned life insurance | (0.70%) | (0.50%) | (0.90%)
Tax-exempt interest | (0.30%) | (0.20%) | (0.70%)
Tax advantaged investments (including related credits) | (3.80%) | (3.20%) | (5.30%)
Other tax credits | (0.30%) | (0.20%) | (0.50%)
Adjustments for uncertain tax positions | 0.00% | 0.10% | (0.10%)
Non-deductible FDIC premiums | 0.70% | 0.50% | 1.10%
Legacy tax matters | 0.10% | 0.00% | (0.30%)
Other | 0.20% | 0.40% | 0.00%
Total income tax expense and tax rate | 21.90% | 22.10% | 18.50%

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