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v3.23.2

Loans and Allowance for Loan Losses (Narrative) (Details) | 3 Months Ended | 6 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Jun. 30, 2023 USD ($) | Jun. 30, 2022 USD ($) contract | Jun. 30, 2023 USD ($) | Jun. 30, 2022 USD ($) contract | Mar. 31, 2023 USD ($) | Dec. 31, 2022 USD ($) | Mar. 31, 2022 USD ($) | Dec. 31, 2021 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |  |
Interest income on non-accrual loans outstanding | $ 6,600,000 | $ 2,000,000 | $ 9,900,000 | $ 5,400,000 |  |  |  |
Interest income, cash basis method | 7,800,000 | 410,000 | 9,400,000 | 964,000 |  |  |  |
Total loans | 44,353,537,000 |  | 44,353,537,000 |  |  | $ 43,716,353,000 |  |
Payments to acquire finance receivables | 10,600,000 |  | 10,623,000 | 361,567,000 |  |  |  |
Financing receivable, allowance for credit loss, period increase (decrease) from increase in size of loan profile | 711,000 | 3,700,000 |  | 7,500,000 |  |  |  |
Financing receivable, purchase |  | 180,200,000 |  | 361,600,000 |  |  |  |
Allowance for loan losses | 471,238,000 | 407,837,000 | 471,238,000 | 407,837,000 | $ 457,010,000 | 443,424,000 | $ 414,956,000 | $ 427,597,000
Reserve for unfunded commitments | 55,700,000 |  | 55,700,000 |  |  | 57,500,000 |  |
Increase in allowance for credit loss |  |  | 26,100,000 |  |  |  |  |
All financing receivable, allowance for credit loss | $ 527,000,000 |  | $ 527,000,000 |  |  | $ 500,900,000 |  |
ACL to loans ratio (as percent) | 1.19% |  | 1.19% |  |  |  |  |
Increase (decrease) in ACL to loans ratio |  |  | 0.0004 |  |  |  |  |
Allowance for credit loss, reasonable and supportable forecast period (in year) |  |  | 2 years |  |  |  |  |
Allowance for credit loss, straight-line basis historical period (in year) |  |  | 1 year |  |  |  |  |
Allowance for credit loss, measurement input, estimated peak weighted average unemployment rate | 5.70% |  | 5.70% |  |  | 5.10% |  |
FDMs, subsequent default | $ 0 | $ 430,000 | $ 0 | $ 430,000 |  |  |  |
Number of contracts | contract |  | 3 |  | 3 |  |  |  |
Commitments to land additional funds to TDRs |  | $ 0 |  | $ 0 |  | $ 0 |  |
Total consumer |  |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |  |
Charge-off of previously established reserves for credit losses associated with the transfer to held for sale | 1,300,000 |  | 7,900,000 |  |  |  |  |
Reclassification to held-for-sale |  | 3,800,000 |  | 427,900,000 |  |  |  |
Allowance for loan losses | 141,525,000 | $ 143,611,000 | $ 141,525,000 | $ 143,611,000 | $ 137,930,000 | 138,299,000 | $ 141,538,000 | $ 141,473,000
Substandard |  |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |  |
Retail loan substandard period (in days) |  |  | 90 days |  |  |  |  |
Loss |  |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |  |
Retail loan charge off (in days) |  |  | 120 days |  |  |  |  |
Asset Pledged as Collateral |  |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |  |
Total loans | $ 23,470,000,000 |  | $ 23,470,000,000 |  |  | $ 16,090,000,000.00 |  |

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