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v3.20.1

Allowance for Loan Losses - Allowance and Recorded Investments in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended |
--- | --- | --- | ---
Mar. 31, 2020 | Mar. 31, 2019 | Dec. 31, 2019 | Jan. 01, 2020
Allowance for Loan Losses |  |  |  |
Beginning balance | $ 441,912 | $ 341,121 | $ 341,121 |
Provision for current period | 169,508 |  |  |
Loan sale reduction to provision | (161,793) |  |  |
Total provision | 7,715 | 65,660 |  |
Net charge-offs: |  |  |  |
Charge-offs | (70,949) | (55,062) |  |
Recoveries | 9,518 | 6,606 |  |
Current period net charge-offs | 61,431 | 48,456 |  |
Ending Balance | 1,673,324 | 358,325 | 441,912 |
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 150,822 | 132,442 |  |
Ending balance: collectively evaluated for impairment | 1,522,502 | 225,883 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,518,763 | 1,327,668 |  |
Ending balance: collectively evaluated for impairment | 21,781,876 | 22,455,468 |  |
Provisions for credit losses for new loan commitments made during the quarter | 53,543 |  |  |
Total provision for allowance for loan losses | 7,715 |  |  |
Provisions for credit losses reported in consolidated statements of income | 61,258 | 63,790 |  |
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Loan Losses |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | $ 1,143,053
Transfer from unfunded commitment liability | 142,075 |  |  |
FFELP Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Beginning balance | 1,633 | 977 | 977 |
Provision for current period | 37 |  |  |
Loan sale reduction to provision | 0 |  |  |
Total provision | 37 | 1,017 |  |
Net charge-offs: |  |  |  |
Charge-offs | (226) | (234) |  |
Recoveries | 0 | 0 |  |
Current period net charge-offs | 226 | 234 |  |
Ending Balance | 4,296 | 1,760 | 1,633 |
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | 4,296 | 1,760 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | $ 766,954 | $ 828,640 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 0.15% | 0.14% |  |
Allowance as a percentage of the ending total loan balance | 0.56% | 0.21% |  |
Allowance as a percentage of the ending loans in repayment | 0.74% | 0.27% |  |
Allowance coverage of net charge-offs (annualized) | 4.75 | 1.88 |  |
Ending total loans, gross | $ 766,954 | $ 828,640 |  |
Average loans in repayment | 600,534 | 650,196 |  |
Ending loans in repayment | 581,997 | 641,658 |  |
FFELP Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Loan Losses |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 2,852
Transfer from unfunded commitment liability | 0 |  |  |
Private Education Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Beginning balance | 374,300 | 277,943 | 277,943 |
Provision for current period | 143,862 |  |  |
Loan sale reduction to provision | (161,793) |  |  |
Total provision | (17,931) | 41,883 |  |
Net charge-offs: |  |  |  |
Charge-offs | (51,469) | (39,577) |  |
Recoveries | 7,976 | 5,697 |  |
Current period net charge-offs | 43,493 | 33,880 |  |
Ending Balance | 1,515,781 | 285,946 | 374,300 |
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 150,822 | 132,442 |  |
Ending balance: collectively evaluated for impairment | 1,364,959 | 153,504 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,518,763 | 1,327,668 |  |
Ending balance: collectively evaluated for impairment | $ 20,107,984 | $ 20,463,954 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 1.05% | 0.89% |  |
Allowance as a percentage of the ending total loan balance | 7.01% | 1.31% |  |
Allowance as a percentage of the ending loans in repayment | 10.11% | 1.87% |  |
Allowance coverage of net charge-offs (annualized) | 8.71 | 2.11 |  |
Ending total loans, gross | $ 21,626,747 | $ 21,791,622 |  |
Average loans in repayment | 16,521,356 | 15,165,072 |  |
Ending loans in repayment | 14,988,345 | 15,310,560 |  |
Private Education Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Loan Losses |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 1,060,830
Transfer from unfunded commitment liability | 142,075 |  |  |
Personal Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Beginning balance | 65,877 | 62,201 | 62,201 |
Provision for current period | 25,318 |  |  |
Loan sale reduction to provision | 0 |  |  |
Total provision | 25,318 | 22,760 |  |
Net charge-offs: |  |  |  |
Charge-offs | (19,247) | (15,251) |  |
Recoveries | 1,542 | 909 |  |
Current period net charge-offs | 17,705 | 14,342 |  |
Ending Balance | 152,673 | 70,619 | 65,877 |
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | 152,673 | 70,619 |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 |  |
Ending balance: collectively evaluated for impairment | $ 899,704 | $ 1,162,874 |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 7.27% | 4.88% |  |
Allowance as a percentage of the ending total loan balance | 16.97% | 6.07% |  |
Allowance as a percentage of the ending loans in repayment | 16.97% | 6.07% |  |
Allowance coverage of net charge-offs (annualized) | 2.16 | 1.23 |  |
Ending total loans, gross | $ 899,704 | $ 1,162,874 |  |
Average loans in repayment | 973,772 | 1,175,356 |  |
Ending loans in repayment | 899,704 | $ 1,162,874 |  |
Personal Loans | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Loan Losses |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | 79,183
Transfer from unfunded commitment liability | 0 |  |  |
Credit Cards |  |  |  |
Allowance for Loan Losses |  |  |  |
Beginning balance | 102 |  |  |
Provision for current period | 291 |  |  |
Loan sale reduction to provision | 0 |  |  |
Total provision | 291 |  |  |
Net charge-offs: |  |  |  |
Charge-offs | (7) |  |  |
Recoveries | 0 |  |  |
Current period net charge-offs | 7 |  |  |
Ending Balance | 574 |  | $ 102 |
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 0 |  |  |
Ending balance: collectively evaluated for impairment | 574 |  |  |
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 |  |  |
Ending balance: collectively evaluated for impairment | $ 7,234 |  |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 0.52% |  |  |
Allowance as a percentage of the ending total loan balance | 7.93% |  |  |
Allowance as a percentage of the ending loans in repayment | 7.93% |  |  |
Allowance coverage of net charge-offs (annualized) | 20.50 |  |  |
Ending total loans, gross | $ 7,234 |  |  |
Average loans in repayment | 5,364 |  |  |
Ending loans in repayment | 7,234 |  |  |
Credit Cards | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |
Allowance for Loan Losses |  |  |  |
Day 1 adjustment for the adoption of CECL |  |  |  | $ 188
Transfer from unfunded commitment liability | $ 0 |  |  |

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