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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Amount |  |  |
U.S. Federal income tax expense | $ 426 | $ 558 | $ 625
Increase (decrease) resulting from: |  |  |
State and local income taxes (net of federal benefit) | 58 | 133 | 126
Bank-owned life insurance | (20) | (19) | (14)
Tax-exempt interest | (12) | (8) | (7)
Tax advantaged investments (including related credits) | (77) | (102) | (95)
Other tax credits | (3) | (9) | (7)
Adjustments for uncertain tax positions | 5 | 1 | 3
Non-deductible FDIC insurance premiums | 35 | 20 | 14
Legacy tax matters | 0 | 3 | 0
Other | 10 | 5 | 13
Income tax expense | $ 422 | $ 582 | $ 658
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) | 2.90% | 5.00% | 4.20%
Bank-owned life insurance | (1.00%) | (0.70%) | (0.50%)
Tax-exempt interest | (0.60%) | (0.30%) | (0.20%)
Tax advantaged investments (including related credits) | (3.80%) | (3.80%) | (3.20%)
Other tax credits | (0.10%) | (0.30%) | (0.20%)
Adjustments for uncertain tax positions | 0.20% | 0.00% | 0.10%
Non-deductible FDIC insurance premiums | 1.70% | 0.70% | 0.50%
Legacy tax matters | 0.00% | 0.10% | 0.00%
Other | 0.50% | 0.20% | 0.40%
Total income tax expense and effective tax rate | 20.80% | 21.90% | 22.10%

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