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v3.23.1

Loans and Leases (Tables) | 3 Months Ended
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Mar. 31, 2023
Receivables [Abstract] |
Schedule of Loans by Class | As disclosed in Note 2 — Business Combinations, the following tables as of March 31, 2023 include loans acquired in the SVBB Acquisition. Loans by Class
dollars in millions | March 31, 2023 |  | December 31, 2022
Commercial |  |  |
Commercial construction | $ | 2,971 |  |  | $ | 2,804 |
Owner occupied commercial mortgage | 14,456 |  |  | 14,473 |
Non-owner occupied commercial mortgage | 10,292 |  |  | 9,902 |
Commercial and industrial | 24,508 |  |  | 24,105 |
Leases | 2,163 |  |  | 2,171 |
Total commercial | 54,390 |  |  | 53,455 |
Consumer |  |  |
Residential mortgage | 13,727 |  |  | 13,309 |
Revolving mortgage | 1,916 |  |  | 1,951 |
Consumer auto | 1,452 |  |  | 1,414 |
Consumer other | 632 |  |  | 652 |
Total consumer | 17,727 |  |  | 17,326 |
SVB |  |  |
Global fund banking | 36,097 |  |  | — |
Investor dependent - early stage | 1,994 |  |  | — |
Investor dependent - growth stage | 4,418 |  |  | — |
Innovation C&I and cash flow dependent | 9,193 |  |  | — |
Private Bank | 9,476 |  |  | — |
CRE | 2,444 |  |  | — |
Other | 2,549 |  |  | — |
Total SVB | 66,171 |  |  | — |
Total loans and leases | $ | 138,288 |  |  | $ | 70,781 |
Schedule of Amortized Cost of Loans | The following table presents selected components of the amortized cost of loans: Components of Amortized Cost
dollars in millions | March 31, 2023 |  | December 31, 2022
Deferred costs, including unamortized costs and unearned fees on non-PCD loans | $ | 26 |  | $ | 34
Net unamortized discount on purchased loans |  |  |
Non-PCD | $ | 2,337 |  | $ | 73
PCD | 337 |  | 45 |
Total net unamortized discount | $ | 2,674 |  | $ | 118
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status | The aging of the outstanding loans and leases, by class, at March 31, 2023 and December 31, 2022 is provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement. Loans and Leases - Delinquency Status
dollars in millions | March 31, 2023
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 9 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 2,961 |  |  | $ | 2,971 |
Owner occupied commercial mortgage | 30 |  |  | — |  |  | 34 |  |  | 64 |  |  | 14,392 |  |  | 14,456 |
Non-owner occupied commercial mortgage | 165 |  |  | 67 |  |  | 190 |  |  | 422 |  |  | 9,870 |  |  | 10,292 |
Commercial and industrial | 158 |  |  | 30 |  |  | 61 |  |  | 249 |  |  | 24,259 |  |  | 24,508 |
Leases | 55 |  |  | 13 |  |  | 14 |  |  | 82 |  |  | 2,081 |  |  | 2,163 |
Total commercial | 417 |  |  | 111 |  |  | 299 |  |  | 827 |  |  | 53,563 |  |  | 54,390 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 77 |  |  | 17 |  |  | 46 |  |  | 140 |  |  | 13,587 |  |  | 13,727 |
Revolving mortgage | 10 |  |  | 3 |  |  | 8 |  |  | 21 |  |  | 1,895 |  |  | 1,916 |
Consumer auto | 7 |  |  | 2 |  |  | 1 |  |  | 10 |  |  | 1,442 |  |  | 1,452 |
Consumer other | 4 |  |  | 2 |  |  | 3 |  |  | 9 |  |  | 623 |  |  | 632 |
Total consumer | 98 |  |  | 24 |  |  | 58 |  |  | 180 |  |  | 17,547 |  |  | 17,727 |
SVB |  |  |  |  |  |  |  |  |  |  |
Global fund banking | 37 |  |  | — |  |  | — |  |  | 37 |  |  | 36,060 |  |  | 36,097 |
Investor dependent - early stage | 17 |  |  | 3 |  |  | 2 |  |  | 22 |  |  | 1,972 |  |  | 1,994 |
Investor dependent - growth stage | 25 |  |  | 8 |  |  | — |  |  | 33 |  |  | 4,385 |  |  | 4,418 |
Innovation C&I and cash flow dependent | 27 |  |  | 11 |  |  | — |  |  | 38 |  |  | 9,155 |  |  | 9,193 |
Private Bank | 39 |  |  | 1 |  |  | 17 |  |  | 57 |  |  | 9,419 |  |  | 9,476 |
CRE | 4 |  |  | 1 |  |  | — |  |  | 5 |  |  | 2,439 |  |  | 2,444 |
Other | 10 |  |  | — |  |  | 4 |  |  | 14 |  |  | 2,535 |  |  | 2,549 |
Total SVB | 159 |  |  | 24 |  |  | 23 |  |  | 206 |  |  | 65,965 |  |  | 66,171 |
Total loans and leases | $ | 674 |  |  | $ | 159 |  |  | $ | 380 |  |  | $ | 1,213 |  |  | $ | 137,075 |  |  | $ | 138,288 |
| December 31, 2022
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 50 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 51 |  |  | $ | 2,753 |  |  | $ | 2,804 |
Owner occupied commercial mortgage | 29 |  |  | 5 |  |  | 25 |  |  | 59 |  |  | 14,414 |  |  | 14,473 |
Non-owner occupied commercial mortgage | 76 |  |  | 144 |  |  | 11 |  |  | 231 |  |  | 9,671 |  |  | 9,902 |
Commercial and industrial | 173 |  |  | 26 |  |  | 53 |  |  | 252 |  |  | 23,853 |  |  | 24,105 |
Leases | 59 |  |  | 17 |  |  | 16 |  |  | 92 |  |  | 2,079 |  |  | 2,171 |
Total commercial | 387 |  |  | 192 |  |  | 106 |  |  | 685 |  |  | 52,770 |  |  | 53,455 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 73 |  |  | 16 |  |  | 52 |  |  | 141 |  |  | 13,168 |  |  | 13,309 |
Revolving mortgage | 9 |  |  | 3 |  |  | 8 |  |  | 20 |  |  | 1,931 |  |  | 1,951 |
Consumer auto | 7 |  |  | 1 |  |  | 1 |  |  | 9 |  |  | 1,405 |  |  | 1,414 |
Consumer other | 4 |  |  | 2 |  |  | 3 |  |  | 9 |  |  | 643 |  |  | 652 |
Total consumer | 93 |  |  | 22 |  |  | 64 |  |  | 179 |  |  | 17,147 |  |  | 17,326 |
Total loans and leases | $ | 480 |  |  | $ | 214 |  |  | $ | 170 |  |  | $ | 864 |  |  | $ | 69,917 |  |  | $ | 70,781 |
The amortized cost, by class, of loans and leases on non-accrual status, and loans and leases greater than 90 days past due and still accruing at March 31, 2023 and December 31, 2022 are presented below. Loans on Non-Accrual Status (1) (2)
dollars in millions | March 31, 2023 |  | December 31, 2022
| Non-Accrual Loans |  | Loans > 90 Days and Accruing |  | Non-Accrual Loans |  | Loans > 90 Days and Accruing
Commercial |  |  |  |  |  |  |
Commercial construction | $ | 2 |  |  | $ | — |  |  | $ | 48 |  |  | $ | — |
Owner occupied commercial mortgage | 46 |  |  | 8 |  |  | 41 |  |  | 2 |
Non-owner occupied commercial mortgage | 219 |  |  | 114 |  |  | 228 |  |  | — |
Commercial and industrial | 214 |  |  | 20 |  |  | 184 |  |  | 41 |
Leases | 29 |  |  | 4 |  |  | 28 |  |  | 7 |
Total commercial | 510 |  |  | 146 |  |  | 529 |  |  | 50 |
Consumer |  |  |  |  |  |  |
Residential mortgage | 71 |  |  | 8 |  |  | 75 |  |  | 10 |
Revolving mortgage | 18 |  |  | — |  |  | 18 |  |  | — |
Consumer auto | 4 |  |  | — |  |  | 4 |  |  | — |
Consumer other | 1 |  |  | 3 |  |  | 1 |  |  | 3 |
Total consumer | 94 |  |  | 11 |  |  | 98 |  |  | 13 |
SVB |  |  |  |  |  |  |
Global fund banking | — |  |  | — |  |  | — |  |  | — |
Investor dependent - early stage | 56 |  |  | — |  |  | — |  |  | — |
Investor dependent - growth stage | 60 |  |  | — |  |  | — |  |  | — |
Innovation C&I and cash flow dependent | 78 |  |  | — |  |  | — |  |  | — |
Private Bank | 27 |  |  | — |  |  | — |  |  | — |
CRE | 2 |  |  | — |  |  | — |  |  | — |
Other | 1 |  |  | 4 |  |  | — |  |  | — |
Total SVB | 224 |  |  | 4 |  |  | — |  |  | — |
Total loans and leases | $ | 828 |  |  | $ | 161 |  |  | $ | 627 |  |  | $ | 63 |
(1) Accrued interest that was reversed when the loan went to non-accrual status was $1 million for the three months ended March 31, 2023 and $4 million for the year ended December 31, 2022. (2) Non-accrual loans for which there was no related ACL totaled $59 million at March 31, 2023 and $63 million at December 31, 2022. The following table presents the amortized cost and performance of modified loans to borrowers experiencing financial difficulties in the three months ended March 31, 2023. The period of delinquency is based on the number of days the scheduled payment is contractually past due. Modified Loans Payment Status
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 days or greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial construction | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Owner occupied commercial mortgage | 10 |  |  | — |  |  | — |  |  | — |  |  | 10 |
Non-owner occupied commercial mortgage | 53 |  |  | — |  |  | — |  |  | — |  |  | 53 |
Commercial and industrial | 21 |  |  | — |  |  | — |  |  | — |  |  | 21 |
Total commercial | 85 |  |  | — |  |  | — |  |  | — |  |  | 85 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
SVB |  |  |  |  |  |  |  |  |
Investor dependent - growth stage | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Total SVB | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Total loans and leases | $ | 92 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 92 |
At March 31, 2023, there were no significant commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified.
Schedule of Loans Disaggregated by Year of Origination and by Risk Rating | The following tables summarize the commercial and SVB loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans. Commercial Loans - Risk Classifications by Class
March 31, 2023
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 187 |  |  | $ | 1,226 |  |  | $ | 772 |  |  | $ | 384 |  |  | $ | 119 |  |  | $ | 96 |  |  | $ | 60 |  |  | $ | — |  |  | $ | 2,844 |
Special Mention | — |  |  | 4 |  |  | — |  |  | 48 |  |  | 40 |  |  | — |  |  | — |  |  | — |  |  | 92 |
Substandard | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 28 |  |  | 5 |  |  | — |  |  | — |  |  | 35 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 188 |  |  | 1,231 |  |  | 772 |  |  | 432 |  |  | 187 |  |  | 101 |  |  | 60 |  |  | — |  |  | 2,971 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 393 |  |  | 2,709 |  |  | 3,292 |  |  | 2,877 |  |  | 1,767 |  |  | 2,728 |  |  | 165 |  |  | — |  |  | 13,931 |
Special Mention | — |  |  | 40 |  |  | 20 |  |  | 46 |  |  | 30 |  |  | 72 |  |  | 1 |  |  | — |  |  | 209 |
Substandard | 5 |  |  | 22 |  |  | 47 |  |  | 52 |  |  | 29 |  |  | 154 |  |  | 6 |  |  | — |  |  | 315 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 398 |  |  | 2,771 |  |  | 3,359 |  |  | 2,975 |  |  | 1,826 |  |  | 2,955 |  |  | 172 |  |  | — |  |  | 14,456 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 612 |  |  | 2,500 |  |  | 1,666 |  |  | 1,772 |  |  | 1,202 |  |  | 1,456 |  |  | 49 |  |  | — |  |  | 9,257 |
Special Mention | — |  |  | — |  |  | — |  |  | 79 |  |  | 130 |  |  | 81 |  |  | — |  |  | — |  |  | 290 |
Substandard | — |  |  | 4 |  |  | 13 |  |  | 67 |  |  | 312 |  |  | 313 |  |  | — |  |  | — |  |  | 709 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | 10 |  |  | — |  |  | — |  |  | 36 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 612 |  |  | 2,504 |  |  | 1,679 |  |  | 1,918 |  |  | 1,670 |  |  | 1,860 |  |  | 49 |  |  | — |  |  | 10,292 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,482 |  |  | 5,434 |  |  | 3,890 |  |  | 1,863 |  |  | 1,342 |  |  | 1,529 |  |  | 5,125 |  |  | 28 |  |  | 22,693 |
Special Mention | 52 |  |  | 84 |  |  | 120 |  |  | 93 |  |  | 47 |  |  | 54 |  |  | 100 |  |  | — |  |  | 550 |
Substandard | 24 |  |  | 103 |  |  | 135 |  |  | 175 |  |  | 148 |  |  | 272 |  |  | 239 |  |  | 1 |  |  | 1,097 |
Doubtful | — |  |  | 4 |  |  | 5 |  |  | 1 |  |  | 14 |  |  | 30 |  |  | 10 |  |  | — |  |  | 64 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 104 |  |  | — |  |  | 104 |
Total commercial and industrial | 3,558 |  |  | 5,625 |  |  | 4,150 |  |  | 2,132 |  |  | 1,551 |  |  | 1,885 |  |  | 5,578 |  |  | 29 |  |  | 24,508 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 235 |  |  | 648 |  |  | 425 |  |  | 338 |  |  | 177 |  |  | 152 |  |  | — |  |  | — |  |  | 1,975 |
Special Mention | 5 |  |  | 21 |  |  | 20 |  |  | 14 |  |  | 8 |  |  | 3 |  |  | — |  |  | — |  |  | 71 |
Substandard | 5 |  |  | 35 |  |  | 28 |  |  | 23 |  |  | 10 |  |  | 6 |  |  | — |  |  | — |  |  | 107 |
Doubtful | — |  |  | 3 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 10 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 245 |  |  | 707 |  |  | 476 |  |  | 377 |  |  | 196 |  |  | 162 |  |  | — |  |  | — |  |  | 2,163 |
Total commercial | $ | 5,001 |  |  | $ | 12,838 |  |  | $ | 10,436 |  |  | $ | 7,834 |  |  | $ | 5,430 |  |  | $ | 6,963 |  |  | $ | 5,859 |  |  | $ | 29 |  |  | $ | 54,390 |
SVB - Risk Classifications by Class
March 31, 2023
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 & Prior |  | Revolving |  |  | Total
Global fund banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 78 |  |  | $ | 191 |  |  | $ | 134 |  |  | $ | 103 |  |  | $ | 44 |  |  | $ | 9 |  |  | $ | 35,453 |  |  | $ | 75 |  |  | $ | 36,087 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | — |  |  | 10 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total global fund banking | 78 |  |  | 191 |  |  | 134 |  |  | 103 |  |  | 44 |  |  | 9 |  |  | 35,463 |  |  | 75 |  |  | 36,097 |
Investor dependent - early stage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 76 |  |  | 848 |  |  | 406 |  |  | 115 |  |  | 48 |  |  | 10 |  |  | 169 |  |  | — |  |  | 1,672 |
Special Mention | — |  |  | 15 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 20 |
Substandard | — |  |  | 61 |  |  | 89 |  |  | 38 |  |  | 8 |  |  | 2 |  |  | 47 |  |  | — |  |  | 245 |
Doubtful | — |  |  | 27 |  |  | 20 |  |  | 4 |  |  | 2 |  |  | — |  |  | 4 |  |  | — |  |  | 57 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent - early stage | 76 |  |  | 951 |  |  | 516 |  |  | 158 |  |  | 58 |  |  | 12 |  |  | 223 |  |  | — |  |  | 1,994 |
Investor dependent - growth stage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 206 |  |  | 1,372 |  |  | 1,137 |  |  | 512 |  |  | 145 |  |  | 186 |  |  | 314 |  |  | 5 |  |  | 3,877 |
Special Mention | — |  |  | 8 |  |  | 15 |  |  | 17 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40 |
Substandard | 3 |  |  | 76 |  |  | 150 |  |  | 120 |  |  | 20 |  |  | 38 |  |  | 35 |  |  | — |  |  | 442 |
Doubtful | — |  |  | 5 |  |  | 42 |  |  | 1 |  |  | 9 |  |  | 2 |  |  | — |  |  | — |  |  | 59 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent - growth stage | 209 |  |  | 1,461 |  |  | 1,344 |  |  | 650 |  |  | 174 |  |  | 226 |  |  | 349 |  |  | 5 |  |  | 4,418 |
Innovation C&I and cash flow dependent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 129 |  |  | 1,684 |  |  | 1,191 |  |  | 1,309 |  |  | 586 |  |  | 669 |  |  | 2,948 |  |  | — |  |  | 8,516 |
Special Mention | 41 |  |  | — |  |  | — |  |  | 26 |  |  | 28 |  |  | — |  |  | 15 |  |  | — |  |  | 110 |
Substandard | — |  |  | 37 |  |  | 133 |  |  | 117 |  |  | 7 |  |  | 34 |  |  | 160 |  |  | — |  |  | 488 |
Doubtful | — |  |  | — |  |  | 2 |  |  | 61 |  |  | — |  |  | — |  |  | 16 |  |  | — |  |  | 79 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total innovation C&I and cash flow dependent | 170 |  |  | 1,721 |  |  | 1,326 |  |  | 1,513 |  |  | 621 |  |  | 703 |  |  | 3,139 |  |  | — |  |  | 9,193 |
Private bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 398 |  |  | 2,379 |  |  | 2,332 |  |  | 1,443 |  |  | 788 |  |  | 1,171 |  |  | 889 |  |  | 14 |  |  | 9,414 |
Special Mention | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 9 |  |  | 2 |  |  | — |  |  | 13 |
Substandard | — |  |  | — |  |  | 13 |  |  | 1 |  |  | 3 |  |  | 20 |  |  | 2 |  |  | — |  |  | 39 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 9 |  |  | — |  |  | — |  |  | 10 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total private bank | 398 |  |  | 2,379 |  |  | 2,347 |  |  | 1,444 |  |  | 792 |  |  | 1,209 |  |  | 893 |  |  | 14 |  |  | 9,476 |
CRE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 53 |  |  | 516 |  |  | 260 |  |  | 194 |  |  | 195 |  |  | 889 |  |  | 98 |  |  | 5 |  |  | 2,210 |
Special Mention | — |  |  | 3 |  |  | 10 |  |  | — |  |  | 3 |  |  | 27 |  |  | — |  |  | — |  |  | 43 |
Substandard | — |  |  | — |  |  | 4 |  |  | 18 |  |  | 102 |  |  | 65 |  |  | 2 |  |  | — |  |  | 191 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE | 53 |  |  | 519 |  |  | 274 |  |  | 212 |  |  | 300 |  |  | 981 |  |  | 100 |  |  | 5 |  |  | 2,444 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 43 |  |  | 419 |  |  | 416 |  |  | 356 |  |  | 163 |  |  | 625 |  |  | 364 |  |  | 64 |  |  | 2,450 |
Special Mention | — |  |  | — |  |  | 2 |  |  | 11 |  |  | — |  |  | 11 |  |  | 2 |  |  | — |  |  | 26 |
Substandard | — |  |  | 10 |  |  | 6 |  |  | 7 |  |  | 8 |  |  | 29 |  |  | 13 |  |  | — |  |  | 73 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Other | 43 |  |  | 429 |  |  | 424 |  |  | 374 |  |  | 171 |  |  | 665 |  |  | 379 |  |  | 64 |  |  | 2,549 |
Total SVB | $ | 1,027 |  |  | $ | 7,651 |  |  | $ | 6,365 |  |  | $ | 4,454 |  |  | $ | 2,160 |  |  | $ | 3,805 |  |  | $ | 40,546 |  |  | $ | 163 |  |  | $ | 66,171 |
Consumer Loans - Delinquency Status by Class
March 31, 2023
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 726 |  |  | $ | 3,527 |  |  | $ | 3,681 |  |  | $ | 2,043 |  |  | $ | 774 |  |  | $ | 2,819 |  |  | $ | 17 |  |  | $ | — |  |  | $ | 13,587 |
30-59 days | — |  |  | 5 |  |  | 9 |  |  | 6 |  |  | 2 |  |  | 55 |  |  | — |  |  | — |  |  | 77 |
60-89 days | — |  |  | — |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 12 |  |  | — |  |  | — |  |  | 17 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | 3 |  |  | 1 |  |  | 40 |  |  | — |  |  | — |  |  | 46 |
Total residential mortgage | 726 |  |  | 3,533 |  |  | 3,693 |  |  | 2,054 |  |  | 778 |  |  | 2,926 |  |  | 17 |  |  | — |  |  | 13,727 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,803 |  |  | 92 |  |  | 1,895 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 3 |  |  | 10 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 3 |  |  | 8 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,816 |  |  | 100 |  |  | 1,916 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 165 |  |  | 565 |  |  | 360 |  |  | 193 |  |  | 95 |  |  | 64 |  |  | — |  |  | — |  |  | 1,442 |
30-59 days | — |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 7 |
60-89 days | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
90 days or greater | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer auto | 165 |  |  | 568 |  |  | 364 |  |  | 194 |  |  | 96 |  |  | 65 |  |  | — |  |  | — |  |  | 1,452 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 30 |  |  | 142 |  |  | 73 |  |  | 12 |  |  | 5 |  |  | 20 |  |  | 341 |  |  | — |  |  | 623 |
30-59 days | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 4 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 3 |
Total consumer other | 30 |  |  | 143 |  |  | 73 |  |  | 12 |  |  | 5 |  |  | 22 |  |  | 347 |  |  | — |  |  | 632 |
Total consumer | $ | 921 |  |  | $ | 4,244 |  |  | $ | 4,130 |  |  | $ | 2,260 |  |  | $ | 879 |  |  | $ | 3,013 |  |  | $ | 2,180 |  |  | $ | 100 |  |  | $ | 17,727 |
The following tables represent current credit quality indicators by origination year as of December 31, 2022: Commercial Loans - Risk Classifications by Class
December 31, 2022
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,140 |  |  | $ | 759 |  |  | $ | 511 |  |  | $ | 157 |  |  | $ | 27 |  |  | $ | 75 |  |  | $ | 42 |  |  | $ | — |  |  | $ | 2,711 |
Special Mention | 4 |  |  | — |  |  | 18 |  |  | 18 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40 |
Substandard | 2 |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 50 |
Doubtful | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 1,146 |  |  | 759 |  |  | 529 |  |  | 221 |  |  | 27 |  |  | 80 |  |  | 42 |  |  | — |  |  | 2,804 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,773 |  |  | 3,328 |  |  | 2,966 |  |  | 1,825 |  |  | 1,048 |  |  | 1,867 |  |  | 177 |  |  | — |  |  | 13,984 |
Special Mention | 33 |  |  | 14 |  |  | 32 |  |  | 33 |  |  | 18 |  |  | 49 |  |  | 2 |  |  | — |  |  | 181 |
Substandard | 24 |  |  | 47 |  |  | 41 |  |  | 28 |  |  | 47 |  |  | 114 |  |  | 6 |  |  | — |  |  | 307 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 2,830 |  |  | 3,389 |  |  | 3,039 |  |  | 1,886 |  |  | 1,113 |  |  | 2,031 |  |  | 185 |  |  | — |  |  | 14,473 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,501 |  |  | 1,658 |  |  | 1,794 |  |  | 1,397 |  |  | 680 |  |  | 933 |  |  | 48 |  |  | — |  |  | 9,011 |
Special Mention | — |  |  | 1 |  |  | 69 |  |  | 38 |  |  | 35 |  |  | 10 |  |  | 1 |  |  | — |  |  | 154 |
Substandard | 3 |  |  | 11 |  |  | 68 |  |  | 324 |  |  | 58 |  |  | 236 |  |  | — |  |  | — |  |  | 700 |
Doubtful | — |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | 20 |  |  | — |  |  | — |  |  | 37 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 2,504 |  |  | 1,670 |  |  | 1,931 |  |  | 1,776 |  |  | 773 |  |  | 1,199 |  |  | 49 |  |  | — |  |  | 9,902 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 7,695 |  |  | 4,145 |  |  | 2,035 |  |  | 1,533 |  |  | 872 |  |  | 845 |  |  | 5,252 |  |  | 29 |  |  | 22,406 |
Special Mention | 87 |  |  | 153 |  |  | 79 |  |  | 63 |  |  | 52 |  |  | 23 |  |  | 40 |  |  | — |  |  | 497 |
Substandard | 106 |  |  | 117 |  |  | 194 |  |  | 132 |  |  | 166 |  |  | 145 |  |  | 200 |  |  | 1 |  |  | 1,061 |
Doubtful | 1 |  |  | 4 |  |  | 3 |  |  | 11 |  |  | 6 |  |  | 16 |  |  | 7 |  |  | — |  |  | 48 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 93 |  |  | — |  |  | 93 |
Total commercial and industrial | 7,889 |  |  | 4,419 |  |  | 2,311 |  |  | 1,739 |  |  | 1,096 |  |  | 1,029 |  |  | 5,592 |  |  | 30 |  |  | 24,105 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 718 |  |  | 466 |  |  | 389 |  |  | 216 |  |  | 80 |  |  | 108 |  |  | — |  |  | — |  |  | 1,977 |
Special Mention | 21 |  |  | 22 |  |  | 17 |  |  | 9 |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 73 |
Substandard | 32 |  |  | 32 |  |  | 27 |  |  | 12 |  |  | 7 |  |  | 1 |  |  | — |  |  | — |  |  | 111 |
Doubtful | 2 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Total leases | 773 |  |  | 523 |  |  | 435 |  |  | 238 |  |  | 92 |  |  | 110 |  |  | — |  |  | — |  |  | 2,171 |
Total commercial | $ | 15,142 |  |  | $ | 10,760 |  |  | $ | 8,245 |  |  | $ | 5,860 |  |  | $ | 3,101 |  |  | $ | 4,449 |  |  | $ | 5,868 |  |  | $ | 30 |  |  | $ | 53,455 |
Consumer Loans - Delinquency Status by Class
December 31, 2022
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 3,485 |  |  | $ | 3,721 |  |  | $ | 2,097 |  |  | $ | 805 |  |  | $ | 413 |  |  | $ | 2,625 |  |  | $ | 22 |  |  | $ | — |  |  | $ | 13,168 |
30-59 days | 3 |  |  | 7 |  |  | 6 |  |  | 5 |  |  | 3 |  |  | 49 |  |  | — |  |  | — |  |  | 73 |
60-89 days | 1 |  |  | 1 |  |  | 2 |  |  | — |  |  | 1 |  |  | 11 |  |  | — |  |  | — |  |  | 16 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 46 |  |  | — |  |  | — |  |  | 52 |
Total residential mortgage | 3,489 |  |  | 3,730 |  |  | 2,106 |  |  | 812 |  |  | 419 |  |  | 2,731 |  |  | 22 |  |  | — |  |  | 13,309 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,839 |  |  | 92 |  |  | 1,931 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 4 |  |  | 9 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 1 |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 3 |  |  | 8 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,851 |  |  | 100 |  |  | 1,951 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 599 |  |  | 398 |  |  | 216 |  |  | 111 |  |  | 59 |  |  | 22 |  |  | — |  |  | — |  |  | 1,405 |
30-59 days | 1 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 7 |
60-89 days | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
90 days or greater | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer auto | 600 |  |  | 402 |  |  | 218 |  |  | 112 |  |  | 60 |  |  | 22 |  |  | — |  |  | — |  |  | 1,414 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 160 |  |  | 82 |  |  | 13 |  |  | 6 |  |  | 2 |  |  | 19 |  |  | 361 |  |  | — |  |  | 643 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3 |  |  | — |  |  | 4 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 2 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 3 |
Total consumer other | 160 |  |  | 82 |  |  | 13 |  |  | 6 |  |  | 2 |  |  | 22 |  |  | 367 |  |  | — |  |  | 652 |
Total consumer | $ | 4,249 |  |  | $ | 4,214 |  |  | $ | 2,337 |  |  | $ | 930 |  |  | $ | 481 |  |  | $ | 2,775 |  |  | $ | 2,240 |  |  | $ | 100 |  |  | $ | 17,326 |
Schedule of Loan Modifications | Gross Charge-off Vintage Disclosures by origination year and loan class are summarized in the following table for the three months ended March 31, 2023: Gross Charge-offs
Three Months Ended March 31, 2023
| Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 & Prior |  | Revolving |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied commercial mortgage | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12 |  |  | $ | — |  |  | $ | — |  |  | $ | 12 |
Commercial and industrial | — |  |  | 14 |  |  | 9 |  |  | 4 |  |  | 2 |  |  | 1 |  |  | 8 |  |  | — |  |  | 38 |
Leases | — |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Total commercial | — |  |  | 16 |  |  | 10 |  |  | 5 |  |  | 2 |  |  | 13 |  |  | 8 |  |  | — |  |  | 54 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 2 |
Consumer other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |
Total consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 3 |  |  | — |  |  | 5 |
SVB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total SVB | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans and leases | $ | — |  |  | $ | 16 |  |  | $ | 10 |  |  | $ | 5 |  |  | $ | 2 |  |  | $ | 15 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 59 |
The following table presents loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The table also includes the weighted average term extensions, as well as the modification total relative to the total period-end amortized cost basis of loans in the respective loan class. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (three months ended March 31, 2023)
dollars in millions | Term Extension(1) |  | Term Extension and Interest Rate Reduction |  | Term Extension and Other Than Insignificant Payment Delay |  | Total
| Amortized Cost |  | Weighted Average Term Extension (Months) |  | Amortized Cost |  | Weighted Average Term Extension (Months) |  | Weighted Average Interest Rate Reduction |  | Amortized Cost |  | Weighted Average Term Extension (Months) |  | Weighted Average Payment Delay (Months) |  | Amortized Cost |  | Total as a % of Loan and Lease Class
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 1 |  |  | 9 |  |  | $ | — |  |  | — |  |  | — | % |  | $ | — |  |  | — |  |  | — |  |  | $ | 1 |  |  | 0.02 | %
Owner occupied commercial mortgage | 10 |  |  | 11 |  |  | — |  |  | 36 |  |  | 2.00 | % |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 0.07 | %
Non-owner occupied commercial mortgage | 53 |  |  | 3 |  |  | — |  |  | — |  |  | 1.10 | % |  | — |  |  | — |  |  | — |  |  | 53 |  |  | 0.51 | %
Commercial and industrial | 12 |  |  | 6 |  |  | 6 |  |  | 3 |  |  | 1.17 | % |  | 3 |  |  | 8 |  |  | 8 |  |  | 21 |  |  | 0.09 | %
Total commercial | 76 |  |  | 5 |  |  | 6 |  |  | 4 |  |  | 1.19 | % |  | 3 |  |  | 8 |  |  | 8 |  |  | 85 |  |  | 0.16 | %
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 1 |  |  | 29 |  |  | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 0.01 | %
Total consumer | 1 |  |  | 29 |  |  | — |  |  | 60 |  |  | 0.39 | % |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 0.01 | %
SVB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor dependent - growth stage | 6 |  |  | 6 |  |  | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 0.14 | %
Total SVB | 6 |  |  | 6 |  |  | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 0.01 | %
Total loans and leases | $ | 83 |  |  | 5 |  |  | $ | 6 |  |  | 4 |  |  | 1.18 | % |  | $ | 3 |  |  | 8 |  |  | 8 |  |  | $ | 92 |  |  | 0.07 | %
(1) Term extensions include loans where the balloon payment has been deferred to a later date or is amortizing over an extended period.
Schedule of Troubled Debt Restructuring | The following table presents amortized cost of TDRs: TDRs
dollars in millions | December 31, 2022
| Accruing |  | Non-Accruing |  | Total
Commercial |  |  |  |  |
Commercial construction | $ | 2 |  |  | $ | 1 |  |  | $ | 3 |
Owner occupied commercial mortgage | 46 |  |  | 9 |  |  | 55 |
Non-owner occupied commercial mortgage | 24 |  |  | 30 |  |  | 54 |
Commercial and industrial | 26 |  |  | 8 |  |  | 34 |
Leases | — |  |  | 1 |  |  | 1 |
Total commercial | 98 |  |  | 49 |  |  | 147 |
Consumer |  |  |  |  |
Residential mortgage | 33 |  |  | 17 |  |  | 50 |
Revolving mortgage | 17 |  |  | 5 |  |  | 22 |
Consumer auto | 2 |  |  | — |  |  | 2 |
Consumer other | — |  |  | — |  |  | — |
Total consumer | 52 |  |  | 22 |  |  | 74 |
Total TDRs | $ | 150 |  |  | $ | 71 |  |  | $ | 221 |
The following table summarizes the loan restructurings during the three months ended March 31, 2022 that were designated as TDRs. BancShares defines payment default as movement of the TDR to non-accrual status, which is generally 90 days past due, foreclosure or charge-off, whichever occurs first. Restructurings
dollars in millions (except for number of loans) |  |  |  |  |  | Three Months Ended March 31, |  |  |  |
|  |  | 2022 |  |  |  |
|  |  |  |  |  | Number of Loans |  | Amortized Cost at Period End |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |  |
Interest only |  |  |  |  |  | 2 |  |  | $ | — |  |  |  |  |
Loan term extension |  |  |  |  |  | 35 |  |  | 20 |  |  |  |  |
Below market rates |  |  |  |  |  | 20 |  |  | 2 |  |  |  |  |
Discharge from bankruptcy |  |  |  |  |  | 24 |  |  | 2 |  |  |  |  |
Total |  |  |  |  |  | 81 |  |  | $ | 24 |  |  |  |  |
TDRs that subsequently defaulted during the three months ended March 31, 2022, and were classified as TDRs during the applicable 12-month period preceding March 31, 2022 were as follows: TDR Defaults
dollars in millions |  | Three Months Ended March 31,
|  | 2022
TDR Defaults |  | $ | 2 |
Schedule of Loans Purchased with Credit Deterioration | The following table summarizes PCD loans and leases that BancShares acquired in the SVBB Acquisition. PCD Loans and Leases - SVBB Acquisition
| Total PCD from SVBB Acquisition
UPB | $ | 2,529 |
Initial PCD ACL | (200) |
Fair value discount, net of the PCD Gross-Up | (299) |
Purchase price | $ | 2,030 |
Schedule of Loans Pledged as Collateral | The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta and the Federal Reserve Bank (“FRB”) as of March 31, 2023 and December 31, 2022. Loans Pledged
dollars in millions | March 31, 2023 |  | December 31, 2022
FHLB of Atlanta |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 14,662 |  |  | $ | 14,918 |
Less: Advances | 8,500 |  |  | 4,250 |
Less: Letters of Credit | 1,450 |  |  | 1,450 |
Available borrowing capacity | $ | 4,712 |  |  | $ | 9,218 |
Pledged non-PCD loans (contractual balance) | $ | 23,743 |  |  | $ | 23,491 |
FRB |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 4,676 |  |  | $ | 4,203 |
Less: Advances | — |  |  | — |
Available borrowing capacity | $ | 4,676 |  |  | $ | 4,203 |
Pledged non-PCD loans (contractual balance) | $ | 5,864 |  |  | $ | 5,697 |

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