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Loans and Leases (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Schedule of Loans by Class | Refer to Note 2—Business Combinations for discussion of the loans acquired in the SVBB Acquisition. Loans by Class
dollars in millions | December 31, 2023 |  | December 31, 2022
Commercial |  |  |
Commercial construction | $ | 3,465 |  |  | $ | 2,804 |
Owner occupied commercial mortgage | 15,567 |  |  | 14,473 |
Non-owner occupied commercial mortgage | 11,540 |  |  | 9,902 |
Commercial and industrial | 27,072 |  |  | 24,105 |
Leases | 2,054 |  |  | 2,171 |
Total commercial | 59,698 |  |  | 53,455 |
Consumer |  |  |
Residential mortgage | 14,422 |  |  | 13,309 |
Revolving mortgage | 2,007 |  |  | 1,951 |
Consumer auto | 1,442 |  |  | 1,414 |
Consumer other | 720 |  |  | 652 |
Total consumer | 18,591 |  |  | 17,326 |
SVB |  |  |
Global fund banking | 25,553 |  |  | — |
Investor dependent - early stage | 1,403 |  |  | — |
Investor dependent - growth stage | 2,897 |  |  | — |
Innovation C&I and cash flow dependent | 9,658 |  |  | — |
Private Bank | 9,822 |  |  | — |
CRE | 2,698 |  |  | — |
Other | 2,982 |  |  | — |
Total SVB | 55,013 |  |  | — |
Total loans and leases | $ | 133,302 |  |  | $ | 70,781 |
Schedule of Amortized Cost of Loans | The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans. Components of Amortized Cost
dollars in millions | December 31, 2023 |  | December 31, 2022
Deferred (fees) costs, including unamortized costs and unearned fees on non-PCD loans | $ | (72) |  | $ | 34
Net unamortized discount on acquired loans |  |  |
Non-PCD | $ | 1,860 |  | $ | 73
PCD | 176 |  | 45 |
Total net unamortized discount | $ | 2,036 |  | $ | 118
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status | The aging of the outstanding loans and leases by class at December 31, 2023 and 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 | December 31, 2023
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 43 |  |  | $ | 8 |  |  | $ | 2 |  |  | $ | 53 |  |  | $ | 3,412 |  |  | $ | 3,465 |
Owner occupied commercial mortgage | 22 |  |  | 10 |  |  | 47 |  |  | 79 |  |  | 15,488 |  |  | 15,567 |
Non-owner occupied commercial mortgage | 89 |  |  | 160 |  |  | 281 |  |  | 530 |  |  | 11,010 |  |  | 11,540 |
Commercial and industrial | 164 |  |  | 48 |  |  | 112 |  |  | 324 |  |  | 26,748 |  |  | 27,072 |
Leases | 55 |  |  | 15 |  |  | 21 |  |  | 91 |  |  | 1,963 |  |  | 2,054 |
Total commercial | 373 |  |  | 241 |  |  | 463 |  |  | 1,077 |  |  | 58,621 |  |  | 59,698 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 118 |  |  | 23 |  |  | 56 |  |  | 197 |  |  | 14,225 |  |  | 14,422 |
Revolving mortgage | 14 |  |  | 3 |  |  | 11 |  |  | 28 |  |  | 1,979 |  |  | 2,007 |
Consumer auto | 9 |  |  | 3 |  |  | 2 |  |  | 14 |  |  | 1,428 |  |  | 1,442 |
Consumer other | 5 |  |  | 3 |  |  | 4 |  |  | 12 |  |  | 708 |  |  | 720 |
Total consumer | 146 |  |  | 32 |  |  | 73 |  |  | 251 |  |  | 18,340 |  |  | 18,591 |
SVB |  |  |  |  |  |  |  |  |  |  |
Global fund banking | — |  |  | — |  |  | — |  |  | — |  |  | 25,553 |  |  | 25,553 |
Investor dependent - early stage | 10 |  |  | 12 |  |  | 9 |  |  | 31 |  |  | 1,372 |  |  | 1,403 |
Investor dependent - growth stage | 5 |  |  | 2 |  |  | 7 |  |  | 14 |  |  | 2,883 |  |  | 2,897 |
Innovation C&I and cash flow dependent | 27 |  |  | 3 |  |  | 40 |  |  | 70 |  |  | 9,588 |  |  | 9,658 |
Private Bank | 30 |  |  | 11 |  |  | 17 |  |  | 58 |  |  | 9,764 |  |  | 9,822 |
CRE | 10 |  |  | 28 |  |  | 2 |  |  | 40 |  |  | 2,658 |  |  | 2,698 |
Other | 5 |  |  | — |  |  | 4 |  |  | 9 |  |  | 2,973 |  |  | 2,982 |
Total SVB | 87 |  |  | 56 |  |  | 79 |  |  | 222 |  |  | 54,791 |  |  | 55,013 |
Total loans and leases | $ | 606 |  |  | $ | 329 |  |  | $ | 615 |  |  | $ | 1,550 |  |  | $ | 131,752 |  |  | $ | 133,302 |
| 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 nonaccrual status, and loans and leases greater than 90 days past due and still accruing at December 31, 2023 and 2022 are presented below. Loans on Non-Accrual Status (1) (2)
dollars in millions | December 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 |  |  | $ | 1 |  |  | $ | 48 |  |  | $ | — |
Owner occupied commercial mortgage | 61 |  |  | 8 |  |  | 41 |  |  | 2 |
Non-owner occupied commercial mortgage | 354 |  |  | 38 |  |  | 228 |  |  | — |
Commercial and industrial | 193 |  |  | 56 |  |  | 184 |  |  | 41 |
Leases | 31 |  |  | 7 |  |  | 28 |  |  | 7 |
Total commercial | 641 |  |  | 110 |  |  | 529 |  |  | 50 |
Consumer |  |  |  |  |  |  |
Residential mortgage | 96 |  |  | 1 |  |  | 75 |  |  | 10 |
Revolving mortgage | 20 |  |  | — |  |  | 18 |  |  | — |
Consumer auto | 5 |  |  | — |  |  | 4 |  |  | — |
Consumer other | 1 |  |  | 3 |  |  | 1 |  |  | 3 |
Total consumer | 122 |  |  | 4 |  |  | 98 |  |  | 13 |
SVB |  |  |  |  |  |  |
Global fund banking | — |  |  | — |  |  | — |  |  | — |
Investor dependent - early stage | 37 |  |  | 2 |  |  | — |  |  | — |
Investor dependent - growth stage | 37 |  |  | — |  |  | — |  |  | — |
Innovation C&I and cash flow dependent | 43 |  |  | — |  |  | — |  |  | — |
Private Bank | 30 |  |  | 3 |  |  | — |  |  | — |
CRE | 58 |  |  | — |  |  | — |  |  | — |
Other | 1 |  |  | 4 |  |  | — |  |  | — |
Total SVB | 206 |  |  | 9 |  |  | — |  |  | — |
Total loans and leases | $ | 969 |  |  | $ | 123 |  |  | $ | 627 |  |  | $ | 63 |
(1) Accrued interest that was reversed when the loan went to nonaccrual status was $10 million for the year ended December 31, 2023 and $4 million for the year ended December 31, 2022. (2) Nonaccrual loans for which there was no related ALLL totaled $138 million at December 31, 2023 and $63 million at December 31, 2022. The following tables present the amortized cost and performance of modified loans to borrowers experiencing financial difficulties. The period of delinquency is based on the number of days the scheduled payment is contractually past due. Modified Loans Payment Status (year ended December 31, 2023)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 days or greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial construction | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |
Owner occupied commercial mortgage | 17 |  |  | 1 |  |  | — |  |  | 1 |  |  | 19 |
Non-owner occupied commercial mortgage | 280 |  |  | — |  |  | — |  |  | — |  |  | 280 |
Commercial and industrial | 114 |  |  | — |  |  | 1 |  |  | 1 |  |  | 116 |
Total commercial | 415 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 419 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 11 |  |  | — |  |  | 1 |  |  | 1 |  |  | 13 |
Revolving mortgage | 3 |  |  | — |  |  | — |  |  | — |  |  | 3 |
Total consumer | 14 |  |  | — |  |  | 1 |  |  | 1 |  |  | 16 |
SVB |  |  |  |  |  |  |  |  |
Investor dependent - early stage | 22 |  |  | — |  |  | — |  |  | 4 |  |  | 26 |
Investor dependent - growth stage | 36 |  |  | — |  |  | — |  |  | — |  |  | 36 |
Innovation C&I and cash flow dependent | 39 |  |  | — |  |  | — |  |  | 40 |  |  | 79 |
Private Bank | 4 |  |  | — |  |  | — |  |  | — |  |  | 4 |
CRE | 14 |  |  | — |  |  | — |  |  | — |  |  | 14 |
Other | 2 |  |  | 3 |  |  | — |  |  | — |  |  | 5 |
Total SVB | 117 |  |  | 3 |  |  | — |  |  | 44 |  |  | 164 |
Total loans and leases | $ | 546 |  |  | $ | 4 |  |  | $ | 2 |  |  | $ | 47 |  |  | $ | 599 |
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
December 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 | $ | 1,011 |  |  | $ | 1,318 |  |  | $ | 589 |  |  | $ | 219 |  |  | $ | 52 |  |  | $ | 55 |  |  | $ | 36 |  |  | $ | — |  |  | $ | 3,280 |
Special Mention | — |  |  | — |  |  | 2 |  |  | 49 |  |  | 46 |  |  | — |  |  | — |  |  | — |  |  | 97 |
Substandard | — |  |  | 47 |  |  | 5 |  |  | 31 |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 88 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 1,011 |  |  | 1,365 |  |  | 596 |  |  | 299 |  |  | 98 |  |  | 60 |  |  | 36 |  |  | — |  |  | 3,465 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,439 |  |  | 2,840 |  |  | 3,087 |  |  | 2,708 |  |  | 1,579 |  |  | 2,099 |  |  | 177 |  |  | — |  |  | 14,929 |
Special Mention | 31 |  |  | 17 |  |  | 24 |  |  | 27 |  |  | 43 |  |  | 70 |  |  | 1 |  |  | — |  |  | 213 |
Substandard | 8 |  |  | 54 |  |  | 95 |  |  | 63 |  |  | 41 |  |  | 155 |  |  | 9 |  |  | — |  |  | 425 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 2,478 |  |  | 2,911 |  |  | 3,206 |  |  | 2,798 |  |  | 1,663 |  |  | 2,324 |  |  | 187 |  |  | — |  |  | 15,567 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,631 |  |  | 2,526 |  |  | 1,641 |  |  | 1,391 |  |  | 883 |  |  | 1,181 |  |  | 43 |  |  | — |  |  | 10,296 |
Special Mention | 8 |  |  | 41 |  |  | 33 |  |  | 88 |  |  | 168 |  |  | 73 |  |  | 9 |  |  | — |  |  | 420 |
Substandard | 1 |  |  | 36 |  |  | 17 |  |  | 114 |  |  | 311 |  |  | 276 |  |  | — |  |  | — |  |  | 755 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 41 |  |  | 28 |  |  | — |  |  | — |  |  | 69 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 2,640 |  |  | 2,603 |  |  | 1,691 |  |  | 1,593 |  |  | 1,403 |  |  | 1,558 |  |  | 52 |  |  | — |  |  | 11,540 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 8,069 |  |  | 4,573 |  |  | 2,945 |  |  | 1,395 |  |  | 879 |  |  | 937 |  |  | 6,033 |  |  | 19 |  |  | 24,850 |
Special Mention | 105 |  |  | 134 |  |  | 144 |  |  | 89 |  |  | 69 |  |  | 21 |  |  | 194 |  |  | — |  |  | 756 |
Substandard | 92 |  |  | 219 |  |  | 133 |  |  | 209 |  |  | 126 |  |  | 248 |  |  | 243 |  |  | 2 |  |  | 1,272 |
Doubtful | 2 |  |  | 19 |  |  | 5 |  |  | — |  |  | 12 |  |  | 20 |  |  | 13 |  |  | — |  |  | 71 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 123 |  |  | — |  |  | 123 |
Total commercial and industrial | 8,268 |  |  | 4,945 |  |  | 3,227 |  |  | 1,693 |  |  | 1,086 |  |  | 1,226 |  |  | 6,606 |  |  | 21 |  |  | 27,072 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 732 |  |  | 499 |  |  | 290 |  |  | 209 |  |  | 91 |  |  | 35 |  |  | — |  |  | — |  |  | 1,856 |
Special Mention | 18 |  |  | 22 |  |  | 20 |  |  | 7 |  |  | 4 |  |  | 1 |  |  | — |  |  | — |  |  | 72 |
Substandard | 28 |  |  | 32 |  |  | 21 |  |  | 19 |  |  | 6 |  |  | 8 |  |  | — |  |  | — |  |  | 114 |
Doubtful | 3 |  |  | 4 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 12 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 781 |  |  | 557 |  |  | 334 |  |  | 236 |  |  | 102 |  |  | 44 |  |  | — |  |  | — |  |  | 2,054 |
Total commercial | $ | 15,178 |  |  | $ | 12,381 |  |  | $ | 9,054 |  |  | $ | 6,619 |  |  | $ | 4,352 |  |  | $ | 5,212 |  |  | $ | 6,881 |  |  | $ | 21 |  |  | $ | 59,698 |
SVB - Risk Classifications by Class
December 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 | $ | 453 |  |  | $ | 202 |  |  | $ | 40 |  |  | $ | 36 |  |  | $ | 14 |  |  | $ | 3 |  |  | $ | 24,702 |  |  | $ | 66 |  |  | $ | 25,516 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 7 |  |  | 9 |  |  | 3 |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 37 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total global fund banking | 453 |  |  | 209 |  |  | 49 |  |  | 39 |  |  | 14 |  |  | 3 |  |  | 24,720 |  |  | 66 |  |  | 25,553 |
Investor dependent - early stage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 421 |  |  | 453 |  |  | 85 |  |  | 4 |  |  | 1 |  |  | — |  |  | 99 |  |  | 2 |  |  | 1,065 |
Special Mention | 8 |  |  | 14 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23 |
Substandard | 40 |  |  | 138 |  |  | 51 |  |  | 3 |  |  | — |  |  | — |  |  | 51 |  |  | — |  |  | 283 |
Doubtful | 12 |  |  | 12 |  |  | 3 |  |  | — |  |  | — |  |  | 1 |  |  | 4 |  |  | — |  |  | 32 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent - early stage | 481 |  |  | 617 |  |  | 140 |  |  | 7 |  |  | 1 |  |  | 1 |  |  | 154 |  |  | 2 |  |  | 1,403 |
Investor dependent - growth stage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,034 |  |  | 967 |  |  | 217 |  |  | 25 |  |  | 8 |  |  | 2 |  |  | 198 |  |  | 5 |  |  | 2,456 |
Special Mention | 6 |  |  | 25 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31 |
Substandard | 66 |  |  | 192 |  |  | 83 |  |  | 7 |  |  | 1 |  |  | — |  |  | 27 |  |  | — |  |  | 376 |
Doubtful | — |  |  | 12 |  |  | 20 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 34 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent - growth stage | 1,106 |  |  | 1,196 |  |  | 320 |  |  | 32 |  |  | 9 |  |  | 2 |  |  | 227 |  |  | 5 |  |  | 2,897 |
Innovation C&I and cash flow dependent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,370 |  |  | 2,238 |  |  | 833 |  |  | 293 |  |  | 80 |  |  | 44 |  |  | 2,598 |  |  | — |  |  | 8,456 |
Special Mention | 99 |  |  | 103 |  |  | 36 |  |  | 66 |  |  | — |  |  | — |  |  | 92 |  |  | — |  |  | 396 |
Substandard | 51 |  |  | 185 |  |  | 254 |  |  | 76 |  |  | 25 |  |  | — |  |  | 175 |  |  | — |  |  | 766 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 30 |  |  | — |  |  | 40 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total innovation C&I and cash flow dependent | 2,520 |  |  | 2,526 |  |  | 1,123 |  |  | 435 |  |  | 105 |  |  | 54 |  |  | 2,895 |  |  | — |  |  | 9,658 |
Private bank |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,247 |  |  | 2,273 |  |  | 2,148 |  |  | 1,361 |  |  | 750 |  |  | 1,114 |  |  | 830 |  |  | 10 |  |  | 9,733 |
Special Mention | 5 |  |  | 2 |  |  | 1 |  |  | — |  |  | 1 |  |  | 7 |  |  | 7 |  |  | — |  |  | 23 |
Substandard | 10 |  |  | — |  |  | 3 |  |  | 5 |  |  | 3 |  |  | 37 |  |  | 5 |  |  | 2 |  |  | 65 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total private bank | 1,262 |  |  | 2,275 |  |  | 2,152 |  |  | 1,366 |  |  | 755 |  |  | 1,158 |  |  | 842 |  |  | 12 |  |  | 9,822 |
CRE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 506 |  |  | 458 |  |  | 257 |  |  | 168 |  |  | 195 |  |  | 801 |  |  | 51 |  |  | 5 |  |  | 2,441 |
Special Mention | — |  |  | 6 |  |  | 7 |  |  | 10 |  |  | 3 |  |  | 23 |  |  | — |  |  | — |  |  | 49 |
Substandard | — |  |  | 14 |  |  | 16 |  |  | 10 |  |  | 57 |  |  | 57 |  |  | — |  |  | — |  |  | 154 |
Doubtful | — |  |  | — |  |  | 2 |  |  | 13 |  |  | 26 |  |  | 11 |  |  | 2 |  |  | — |  |  | 54 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total CRE | 506 |  |  | 478 |  |  | 282 |  |  | 201 |  |  | 281 |  |  | 892 |  |  | 53 |  |  | 5 |  |  | 2,698 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 458 |  |  | 625 |  |  | 438 |  |  | 251 |  |  | 176 |  |  | 377 |  |  | 435 |  |  | 42 |  |  | 2,802 |
Special Mention | — |  |  | 11 |  |  | 12 |  |  | 32 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 55 |
Substandard | — |  |  | 52 |  |  | 8 |  |  | 8 |  |  | 4 |  |  | 31 |  |  | 21 |  |  | 1 |  |  | 125 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Other | 458 |  |  | 688 |  |  | 458 |  |  | 291 |  |  | 180 |  |  | 408 |  |  | 456 |  |  | 43 |  |  | 2,982 |
Total SVB | $ | 6,786 |  |  | $ | 7,989 |  |  | $ | 4,524 |  |  | $ | 2,371 |  |  | $ | 1,345 |  |  | $ | 2,518 |  |  | $ | 29,347 |  |  | $ | 133 |  |  | $ | 55,013 |
Consumer Loans - Delinquency Status by Class
December 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 | $ | 2,047 |  |  | $ | 3,522 |  |  | $ | 3,488 |  |  | $ | 1,895 |  |  | $ | 694 |  |  | $ | 2,571 |  |  | $ | 8 |  |  | $ | — |  |  | $ | 14,225 |
30-59 days | 4 |  |  | 13 |  |  | 14 |  |  | 6 |  |  | 7 |  |  | 74 |  |  | — |  |  | — |  |  | 118 |
60-89 days | 1 |  |  | 1 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 15 |  |  | — |  |  | — |  |  | 23 |
90 days or greater | 1 |  |  | 4 |  |  | 1 |  |  | 4 |  |  | 1 |  |  | 45 |  |  | — |  |  | — |  |  | 56 |
Total residential mortgage | 2,053 |  |  | 3,540 |  |  | 3,506 |  |  | 1,907 |  |  | 703 |  |  | 2,705 |  |  | 8 |  |  | — |  |  | 14,422 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,903 |  |  | 76 |  |  | 1,979 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 4 |  |  | 14 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 5 |  |  | 11 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,920 |  |  | 87 |  |  | 2,007 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 525 |  |  | 427 |  |  | 261 |  |  | 131 |  |  | 56 |  |  | 28 |  |  | — |  |  | — |  |  | 1,428 |
30-59 days | 1 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 9 |
60-89 days | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Total consumer auto | 527 |  |  | 432 |  |  | 265 |  |  | 132 |  |  | 57 |  |  | 29 |  |  | — |  |  | — |  |  | 1,442 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 158 |  |  | 103 |  |  | 52 |  |  | 8 |  |  | 4 |  |  | 16 |  |  | 367 |  |  | — |  |  | 708 |
30-59 days | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 5 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 2 |  |  | — |  |  | 4 |
Total consumer other | 159 |  |  | 104 |  |  | 52 |  |  | 8 |  |  | 4 |  |  | 19 |  |  | 374 |  |  | — |  |  | 720 |
Total consumer | $ | 2,739 |  |  | $ | 4,076 |  |  | $ | 3,823 |  |  | $ | 2,047 |  |  | $ | 764 |  |  | $ | 2,753 |  |  | $ | 2,302 |  |  | $ | 87 |  |  | $ | 18,591 |
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 Troubled Debt Restructuring | Gross charge-off vintage disclosures by origination year and loan class are summarized in the following table for the year ended December 31, 2023: Gross Charge-offs
Year Ended December 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied commercial mortgage | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |
Non-owner occupied commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 64 |  |  | 21 |  |  | — |  |  | — |  |  | 85 |
Commercial and industrial | 25 |  |  | 73 |  |  | 30 |  |  | 9 |  |  | 15 |  |  | 15 |  |  | 49 |  |  | 1 |  |  | 217 |
Leases | 2 |  |  | 10 |  |  | 7 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 25 |
Total commercial | 27 |  |  | 83 |  |  | 37 |  |  | 12 |  |  | 81 |  |  | 37 |  |  | 50 |  |  | 1 |  |  | 328 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 2 |
Consumer auto | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Consumer other | 7 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | — |  |  | 22 |
Total consumer | 8 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | 2 |  |  | 13 |  |  | — |  |  | 28 |
SVB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor dependent - early stage | 2 |  |  | 30 |  |  | 29 |  |  | 3 |  |  | — |  |  | — |  |  | 11 |  |  | — |  |  | 75 |
Investor dependent - growth stage | 22 |  |  | 37 |  |  | 25 |  |  | 12 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 97 |
Innovation C&I and cash flow dependent | 6 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 24 |
CRE | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 2 |
Other | 6 |  |  | 17 |  |  | 10 |  |  | 44 |  |  | — |  |  | 1 |  |  | 6 |  |  | — |  |  | 84 |
Total SVB | 36 |  |  | 84 |  |  | 64 |  |  | 59 |  |  | 2 |  |  | 1 |  |  | 36 |  |  | — |  |  | 282 |
Total loans and leases | $ | 71 |  |  | $ | 169 |  |  | $ | 103 |  |  | $ | 72 |  |  | $ | 83 |  |  | $ | 40 |  |  | $ | 99 |  |  | $ | 1 |  |  | $ | 638 |
The following tables present loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The tables also include 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 (year ended December 31, 2023)
dollars in millions | Term Extension (1) |  | Other Than Insignificant Payment Delay | Interest Rate Reduction
| Amortized Cost |  | Weighted Average Term Extension (Months) |  | Amortized Cost |  | Weighted Average Payment Delay (Months) |  | Amortized Cost |  | Weighted Average Interest Rate Reduction
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 4 |  |  | 9 |  | $ | — |  |  | — |  |  | $ | — |  |  | — | %
Owner occupied commercial mortgage | 17 |  |  | 17 |  | — |  |  | — |  |  | 2 |  |  | 3.62 |
Non-owner occupied commercial mortgage | 240 |  |  | 12 |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 102 |  |  | 20 |  | 9 |  |  | 7 |  | — |  |  | — |
Leases | — |  |  | 16 |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 363 |  |  | 14 |  | 9 |  |  | 7 |  | 2 |  |  | 3.62 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 7 |  |  | 90 |  | — |  |  | — |  |  | — |  |  | 1.63 |
Revolving mortgage | 2 |  |  | 60 |  | — |  |  | — |  |  | — |  |  | 1.74 |
Consumer auto | — |  |  | 24 |  | — |  |  | — |  |  | — |  |  | — |
Consumer other | — |  |  | 55 |  | — |  |  | — |  |  | — |  |  | 9.65 |
Total consumer | 9 |  |  | 84 |  | — |  |  | — |  |  | — |  |  | 4.44 |
SVB |  |  |  |  |  |  |  |  |  |  |
Investor dependent - early stage | 3 |  |  | 4 |  | 17 |  |  | 5 |  | — |  |  | — |
Investor dependent - growth stage | 8 |  |  | 9 |  | 28 |  |  | 5 |  | — |  |  | — |
Innovation C&I and cash flow dependent | 72 |  |  | 4 |  | — |  |  | — |  |  | — |  |  | — |
Private Bank | 4 |  |  | 11 |  | — |  |  | — |  |  | — |  |  | — |
CRE | 14 |  |  | 9 |  | — |  |  | — |  |  | — |  |  | — |
Other | 4 |  |  | 6 |  | 1 |  |  | 6 |  |  | — |  |  | — |
Total SVB | 105 |  |  | 6 |  | 46 |  |  | 5 |  | — |  |  | — |
Total loans and leases | $ | 477 |  |  | 14 |  | $ | 55 |  |  | 6 |  | $ | 2 |  |  | 3.83 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (continued)
dollars in millions | Term Extension(1) and Interest Rate Reduction |  | Term Extension(1) and Other Than Insignificant Payment Delay |  | Other than Insignificant Payment Delay and Interest Rate Reduction
| 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 |  | Weighted Average Payment Delay (Months) |  | Weighted Average Interest Rate Reduction
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | — |  |  | — |  |  | — | % |  | $ | — |  |  | — |  |  | — |  |  | $ | — |  |  | — |  |  | — | %
Owner occupied commercial mortgage | — |  |  | 36 |  | 2.00 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied commercial mortgage | 40 |  |  | 12 |  |  | 3.00 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 5 |  |  | 26 |  | 2.04 |  |  | — |  |  | 28 |  |  | 16 |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 45 |  |  | 13 |  | 2.90 |  |  | — |  |  | 28 |  |  | 16 |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  |  |  | — |  |  |  |  |  |  | — |  |  |
Residential mortgage | 3 |  |  | 62 |  | 3.31 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 6 |  |  | 5.25 |
Revolving mortgage | 1 |  |  | 57 |  | 2.92 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer auto | — |  |  | 31 |  | 0.69 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer other | — |  |  | 36 |  | 0.25 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 4 |  |  | 61 |  | 3.20 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 6 |  |  | 5.25 |
SVB |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor dependent - early stage | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 6 |  |  | — |  |  | — |  |  | — |
Investor dependent - growth stage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Innovation C&I and cash flow dependent | — |  |  | — |  |  | — |  |  | 7 |  |  | 7 |  |  | 5 |  |  | — |  |  | — |  |  | — |
Private Bank | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
CRE | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | 17 |  |  | 17 |  |  | — |  |  | — |  |  | — |
Total SVB | — |  |  | — |  |  | — |  |  | 7 |  |  | 7 |  |  | 6 |  |  | — |  |  | — |  |  | — |
Total loans and leases | $ | 49 |  |  | 18 |  | 2.93 | % |  | $ | 7 |  |  | 8 |  |  | 6 |  |  | $ | 3 |  |  | 6 |  |  | 5.25 | %
dollars in millions | Term Extension (1), Interest Rate Reduction, and Other than Insignificant Payment Delay |  | Total
| Amortized Cost |  | Weighted Average Term Extension (Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (Months) |  | Amortized Cost |  | Total as a % of Loan and Lease Class
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | — |  |  | — |  |  | — | % |  | — |  |  | $ | 4 |  |  | 0.11 | %
Owner occupied commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 19 |  |  | 0.12 |
Non-owner occupied commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 280 |  |  | 2.43 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | 116 |  |  | 0.43 |
Leases | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | — |  |  | — |  |  | — |  |  | — |  |  | 419 |  |  | 0.70 |
Consumer |  |  | — |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | 0.10 |
Revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 0.13 |
Consumer auto | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.01 |
Consumer other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.03 |
Total consumer | — |  |  | — |  |  | — |  |  | — |  |  | 16 |  |  | 0.09 |
SVB |  |  |  |  |  |  |  |  |  |  |
Investor dependent - early stage | 6 |  |  | 12 |  |  | 1.00 |  |  | 6 |  |  | 26 |  |  | 1.88 |
Investor dependent - growth stage | — |  |  | — |  |  | — |  |  | — |  |  | 36 |  |  | 1.24 |
Innovation C&I and cash flow dependent | — |  |  | — |  |  | — |  |  | — |  |  | 79 |  |  | 0.81 |
Private Bank | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 0.04 |
CRE | — |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | 0.53 |
Other | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 0.16 |
Total SVB | 6 |  |  | 12 |  |  | 1.00 |  |  | 6 |  |  | 164 |  |  | 0.30 |
Total loans and leases | $ | 6 |  |  | 12 |  |  | 1.00 | % |  | 6 |  |  | $ | 599 |  |  | 0.45 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended 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 year ended December 31, 2022 and 2021 that were designated as TDRs. BancShares defined payment default as movement of the TDR to nonaccrual status that was generally 90 days past due, in foreclosure or charge-off, whichever occurred first. Restructurings
dollars in millions (except for number of loans) | Year Ended December 31, |  |
| 2022 |  | 2021 |  |  |  |
| Number of Loans |  | Amortized Cost at Period End |  | Number of Loans |  | Amortized Cost at Period End |  |  |  |
Loans and leases |  |  |  |  |  |  |  |  |  |  |
Interest only | 17 |  |  | $ | 39 |  |  | 20 |  |  | $ | 18 |  |  |  |  |
Loan term extension | 128 |  |  | 26 |  |  | 129 |  |  | 16 |  |  |  |  |
Below market rates | 86 |  |  | 9 |  |  | 177 |  |  | 20 |  |  |  |  |
Discharge from bankruptcy | 106 |  |  | 5 |  |  | 128 |  |  | 10 |  |  |  |  |
Total | 337 |  |  | $ | 79 |  |  | 454 |  |  | $ | 64 |  |  |  |  |
TDRs that subsequently defaulted during the year ended December 31, 2022 and 2021, and were classified as TDRs during the applicable 12-month period preceding December 31, 2022 and 2021 were as follows: TDR Defaults
dollars in millions | December 31, 2022 |  | December 31, 2021
TDR Defaults | $ | 6 |  |  | $ | 8 |
Schedule of Loans Pledged as Collateral | The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the FRB and FDIC as of December 31, 2023 and 2022. Loans Pledged
dollars in millions | December 31, 2023 |  | December 31, 2022
FHLB of Atlanta |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 15,072 |  |  | $ | 14,918 |
Less: Advances | — |  |  | 4,250 |
Less: Letters of Credit | 1,450 |  |  | 1,450 |
Available borrowing capacity | $ | 13,622 |  |  | $ | 9,218 |
Pledged non-PCD loans (contractual balance) | $ | 25,370 |  |  | $ | 23,491 |
FRB |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 5,115 |  |  | $ | 4,203 |
Less: Advances | — |  |  | — |
Available borrowing capacity | $ | 5,115 |  |  | $ | 4,203 |
Pledged non-PCD loans (contractual balance) | $ | 6,273 |  |  | $ | 5,697 |
FDIC |  |  |
Lendable collateral value of pledged loans | $ | 51,179 |  |  | $ | — |
Less: Advances | — |  |  | — |
Less: Purchase Money Note | 36,072 |  |  | — |
Available borrowing capacity | $ | 15,107 |  |  | $ | — |
Pledged loans (contractual balance) | $ | 51,179 |  |  | $ | — |

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