XML 61 R48.htm IDEA: XBRL DOCUMENT
v3.20.1

Allowance for Loan Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2020 | Mar. 31, 2019 | Dec. 31, 2019 | Dec. 31, 2018 | Dec. 31, 2017 | Dec. 31, 2016 | Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Current period gross charge-offs | $ 70,949 | $ 55,062 |  |  |  |  |
Current period recoveries | 9,518 | 6,606 |  |  |  |  |
Current period net charge-offs | 61,431 | $ 48,456 |  |  |  |  |
Personal Loans |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Total | 899,704 |  | $ 1,049,007 |  |  |  |
Total accrued interest by origination vintage, 2020 | 0 |  | 3,431 |  |  |  |
Total accrued interest by origination vintage, 2019 | 3,161 |  | 4,166 |  |  |  |
Total accrued interest by origination vintage, 2018 | 3,443 |  | 572 |  |  |  |
Total accrued interest by origination vintage, 2017 | 414 |  | 5 |  |  |  |
Total accrued interest by origination vintage, 2016 | 3 |  |  |  |  |  |
Total accrued interest by origination vintage | 7,021 |  | 8,174 |  |  |  |
Consumer Portfolio Segment | Student Loan |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 454,436 |  |  |  |  |  |
2019 | 3,020,099 |  | 2,340,221 |  |  |  |
2018 | 2,422,162 |  | 3,159,878 |  |  |  |
2017 | 2,162,435 |  | 2,781,132 |  |  |  |
2016 | 1,999,047 |  | 2,566,815 |  |  |  |
2015 and Prior | 4,458,032 |  | 2,225,721 |  |  |  |
2014 and Prior |  |  | 3,241,884 |  |  |  |
Total | 14,516,211 |  | 16,315,651 |  |  |  |
Total accrued interest by origination vintage, 2020 | 9,927 |  | 116,423 |  |  |  |
Total accrued interest by origination vintage, 2019 | 181,551 |  | 321,568 |  |  |  |
Total accrued interest by origination vintage, 2018 | 281,619 |  | 327,002 |  |  |  |
Total accrued interest by origination vintage, 2017 | 279,039 |  | 261,083 |  |  |  |
Total accrued interest by origination vintage, 2016 | 217,988 |  | 165,764 |  |  |  |
Total accrued interest by origination vintage, 2015 and prior | 288,627 |  | 174,318 |  |  |  |
Total accrued interest by origination vintage | 1,258,751 |  | 1,366,158 |  |  |  |
Current period gross charge-offs, 2020 | 0 |  | 1,697 |  |  |  |
Current period gross charge-offs, 2019 | 1,597 |  | 14,650 |  |  |  |
Current period gross charge-offs, 2018 | 5,241 |  | 29,119 |  |  |  |
Current period gross charge-offs, 2017 | 8,136 |  | 40,576 |  |  |  |
Current period gross charge-offs, 2016 | 10,284 |  | 41,141 |  |  |  |
Current period gross charge-offs, 2015 and prior | 26,211 |  | 81,795 |  |  |  |
Current period gross charge-offs | 51,469 |  | 208,978 |  |  |  |
Current period recoveries, 2020 | 0 |  | 69 |  |  |  |
Current period recoveries, 2019 | 92 |  | 1,016 |  |  |  |
Current period recoveries, 2018 | 599 |  | 2,622 |  |  |  |
Current period recoveries, 2017 | 1,080 |  | 4,431 |  |  |  |
Current period recoveries, 2016 | 1,505 |  | 5,175 |  |  |  |
Current period recoveries, 2015 and prior | 4,700 |  | 12,452 |  |  |  |
Current period recoveries | 7,976 |  | 25,765 |  |  |  |
Current period net charge-offs, 2020 | 0 |  | 1,628 |  |  |  |
Current period net charge-offs, 2019 | 1,505 |  | 13,634 |  |  |  |
Current period net charge-offs, 2018 | 4,642 |  | 26,497 |  |  |  |
Current period net charge-offs, 2017 | 7,056 |  | 36,145 |  |  |  |
Current period net charge-offs, 2016 | 8,779 |  | 35,966 |  |  |  |
Current period net charge-offs, 2015 and prior | 21,511 |  | 69,343 |  |  |  |
Current period net charge-offs | 43,493 |  | 183,213 |  |  |  |
Consumer Portfolio Segment | Student Loan | With Cosigner |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 698,291 |  |  |  |  |  |
2019 | 4,527,042 |  | 3,475,256 |  |  |  |
2018 | 3,311,178 |  | 4,303,772 |  |  |  |
2017 | 2,869,295 |  | 3,575,973 |  |  |  |
2016 | 2,515,751 |  | 3,112,873 |  |  |  |
2015 and Prior | 5,295,854 |  | 2,579,214 |  |  |  |
2014 and Prior |  |  | 3,662,547 |  |  |  |
Total | $ 19,217,411 |  | $ 20,709,635 |  |  |  |
Private education loans | 89.00% |  | 89.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | Without Cosigner |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 126,138 |  |  |  |  |  |
2019 | 676,071 |  | $ 571,792 |  |  |  |
2018 | 489,070 |  | 584,601 |  |  |  |
2017 | 353,832 |  | 427,512 |  |  |  |
2016 | 268,799 |  | 320,985 |  |  |  |
2015 and Prior | 495,426 |  | 241,958 |  |  |  |
2014 and Prior |  |  | 333,108 |  |  |  |
Total | $ 2,409,336 |  | $ 2,479,956 |  |  |  |
Private education loans | 11.00% |  | 11.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | Cosigners |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 824,429 |  |  |  |  |  |
2019 | 5,203,113 |  | $ 4,047,048 |  |  |  |
2018 | 3,800,248 |  | 4,888,373 |  |  |  |
2017 | 3,223,127 |  | 4,003,485 |  |  |  |
2016 | 2,784,550 |  | 3,433,858 |  |  |  |
2015 and Prior | 5,791,280 |  | 2,821,172 |  |  |  |
2014 and Prior |  |  | 3,995,655 |  |  |  |
Total | $ 21,626,747 |  | $ 23,189,591 |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | FICO at Original Approval |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 824,429 |  |  |  |  |  |
2019 | 5,203,113 |  | $ 4,047,048 |  |  |  |
2018 | 3,800,248 |  | 4,888,373 |  |  |  |
2017 | 3,223,127 |  | 4,003,485 |  |  |  |
2016 | 2,784,550 |  | 3,433,858 |  |  |  |
2015 and Prior | 5,791,280 |  | 2,821,172 |  |  |  |
2014 and Prior |  |  | 3,995,655 |  |  |  |
Total | $ 21,626,747 |  | $ 23,189,591 |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | Less than 670 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 62,064 |  |  |  |  |  |
2019 | 363,345 |  | $ 283,040 |  |  |  |
2018 | 274,016 |  | 343,613 |  |  |  |
2017 | 237,052 |  | 285,747 |  |  |  |
2016 | 197,390 |  | 236,457 |  |  |  |
2015 and Prior | 446,246 |  | 203,145 |  |  |  |
2014 and Prior |  |  | 313,587 |  |  |  |
Total | $ 1,580,113 |  | $ 1,665,589 |  |  |  |
Private Education Loans At Origination | 7.00% |  | 7.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | 670-699 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 123,512 |  |  |  |  |  |
2019 | 757,806 |  | $ 592,376 |  |  |  |
2018 | 555,719 |  | 714,779 |  |  |  |
2017 | 502,930 |  | 617,676 |  |  |  |
2016 | 435,075 |  | 529,575 |  |  |  |
2015 and Prior | 955,404 |  | 439,050 |  |  |  |
2014 and Prior |  |  | 676,569 |  |  |  |
Total | $ 3,330,446 |  | $ 3,570,025 |  |  |  |
Private Education Loans At Origination | 15.00% |  | 16.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | 700-749 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 268,388 |  |  |  |  |  |
2019 | 1,688,114 |  | $ 1,319,563 |  |  |  |
2018 | 1,243,712 |  | 1,601,904 |  |  |  |
2017 | 1,068,091 |  | 1,325,387 |  |  |  |
2016 | 937,643 |  | 1,155,253 |  |  |  |
2015 and Prior | 1,933,589 |  | 944,135 |  |  |  |
2014 and Prior |  |  | 1,324,506 |  |  |  |
Total | $ 7,139,537 |  | $ 7,670,748 |  |  |  |
Private Education Loans At Origination | 33.00% |  | 33.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | FICO at Original Approval | Greater than or equal to 750 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 370,465 |  |  |  |  |  |
2019 | 2,393,848 |  | $ 1,852,069 |  |  |  |
2018 | 1,726,801 |  | 2,228,077 |  |  |  |
2017 | 1,415,054 |  | 1,774,675 |  |  |  |
2016 | 1,214,442 |  | 1,512,573 |  |  |  |
2015 and Prior | 2,456,041 |  | 1,234,842 |  |  |  |
2014 and Prior |  |  | 1,680,993 |  |  |  |
Total | $ 9,576,651 |  | $ 10,283,229 |  |  |  |
Private Education Loans At Origination | 45.00% |  | 44.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 824,429 |  |  |  |  |  |
2019 | 5,203,113 |  | $ 4,047,048 |  |  |  |
2018 | 3,800,248 |  | 4,888,373 |  |  |  |
2017 | 3,223,127 |  | 4,003,485 |  |  |  |
2016 | 2,784,550 |  | 3,433,858 |  |  |  |
2015 and Prior | 5,791,280 |  | 2,821,172 |  |  |  |
2014 and Prior |  |  | 3,995,655 |  |  |  |
Total | $ 21,626,747 |  | $ 23,189,591 |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | Less than 670 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 86,212 |  |  |  |  |  |
2019 | 544,160 |  | $ 401,979 |  |  |  |
2018 | 442,893 |  | 515,901 |  |  |  |
2017 | 419,466 |  | 475,007 |  |  |  |
2016 | 400,833 |  | 449,568 |  |  |  |
2015 and Prior | 1,029,741 |  | 419,308 |  |  |  |
2014 and Prior |  |  | 717,674 |  |  |  |
Total | $ 2,923,305 |  | $ 2,979,437 |  |  |  |
Private Education Loans At Origination | 14.00% |  | 13.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | 670-699 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 127,503 |  |  |  |  |  |
2019 | 735,546 |  | $ 582,256 |  |  |  |
2018 | 495,808 |  | 645,422 |  |  |  |
2017 | 400,096 |  | 497,497 |  |  |  |
2016 | 324,334 |  | 397,889 |  |  |  |
2015 and Prior | 651,732 |  | 308,607 |  |  |  |
2014 and Prior |  |  | 451,451 |  |  |  |
Total | $ 2,735,019 |  | $ 2,883,122 |  |  |  |
Private Education Loans At Origination | 13.00% |  | 13.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | 700-749 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 261,585 |  |  |  |  |  |
2019 | 1,633,986 |  | $ 1,284,867 |  |  |  |
2018 | 1,145,724 |  | 1,506,849 |  |  |  |
2017 | 952,467 |  | 1,199,564 |  |  |  |
2016 | 795,350 |  | 994,309 |  |  |  |
2015 and Prior | 1,542,487 |  | 772,205 |  |  |  |
2014 and Prior |  |  | 1,048,808 |  |  |  |
Total | $ 6,331,599 |  | $ 6,806,602 |  |  |  |
Private Education Loans At Origination | 29.00% |  | 29.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | Greater than or equal to 750 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 349,129 |  |  |  |  |  |
2019 | 2,289,421 |  | $ 1,777,946 |  |  |  |
2018 | 1,715,823 |  | 2,220,201 |  |  |  |
2017 | 1,451,098 |  | 1,831,417 |  |  |  |
2016 | 1,264,033 |  | 1,592,092 |  |  |  |
2015 and Prior | 2,567,320 |  | 1,321,052 |  |  |  |
2014 and Prior |  |  | 1,777,722 |  |  |  |
Total | $ 9,636,824 |  | $ 10,520,430 |  |  |  |
Private Education Loans At Origination | 44.00% |  | 45.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 824,429 |  |  |  |  |  |
2019 | 5,203,113 |  | $ 4,047,048 |  |  |  |
2018 | 3,800,248 |  | 4,888,373 |  |  |  |
2017 | 3,223,127 |  | 4,003,485 |  |  |  |
2016 | 2,784,550 |  | 3,433,858 |  |  |  |
2015 and Prior | 5,791,280 |  | 2,821,172 |  |  |  |
2014 and Prior |  |  | 3,995,655 |  |  |  |
Total | $ 21,626,747 |  | $ 23,189,591 |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 25.00% |  | 23.00% |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 15.00% |  | 17.00% |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 11.00% |  | 12.00% |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 9.00% |  | 10.00% |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 13.00% |  | 13.00% |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 27.00% |  | 25.00% |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 460,330 |  |  |  |  |  |
2019 | 2,838,628 |  | $ 2,376,404 |  |  |  |
2018 | 469,314 |  | 719,158 |  |  |  |
2017 | 529,441 |  | 705,181 |  |  |  |
2016 | 460,742 |  | 617,174 |  |  |  |
2015 and Prior | 715,809 |  | 462,946 |  |  |  |
2014 and Prior |  |  | 470,839 |  |  |  |
Total | 5,474,264 |  | 5,351,702 |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 255,403 |  | 0 |  |  |  |
2018 | 1,979,761 |  | 2,588,702 |  |  |  |
2017 | 277,499 |  | 424,953 |  |  |  |
2016 | 258,606 |  | 305,078 |  |  |  |
2015 and Prior | 580,426 |  | 285,513 |  |  |  |
2014 and Prior |  |  | 399,905 |  |  |  |
Total | 3,351,695 |  | 4,004,151 |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | 0 |  |  |  |
2018 | 169,436 |  | 0 |  |  |  |
2017 | 1,494,597 |  | 1,862,587 |  |  |  |
2016 | 268,357 |  | 418,048 |  |  |  |
2015 and Prior | 538,209 |  | 227,391 |  |  |  |
2014 and Prior |  |  | 394,339 |  |  |  |
Total | 2,470,599 |  | 2,902,365 |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | 0 |  |  |  |
2018 | 0 |  | 0 |  |  |  |
2017 | 117,409 |  | 0 |  |  |  |
2016 | 1,194,038 |  | 1,457,760 |  |  |  |
2015 and Prior | 568,792 |  | 413,508 |  |  |  |
2014 and Prior |  |  | 342,676 |  |  |  |
Total | 1,880,239 |  | 2,213,944 |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | 0 |  |  |  |
2018 | 0 |  | 0 |  |  |  |
2017 | 0 |  | 0 |  |  |  |
2016 | 87,201 |  | 0 |  |  |  |
2015 and Prior | 2,714,272 |  | 1,056,229 |  |  |  |
2014 and Prior |  |  | 1,973,795 |  |  |  |
Total | 2,801,473 |  | 3,030,024 |  |  |  |
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 364,099 |  |  |  |  |  |
2019 | 2,109,082 |  | 1,670,644 |  |  |  |
2018 | 1,181,737 |  | 1,580,513 |  |  |  |
2017 | 804,181 |  | 1,010,764 |  |  |  |
2016 | 515,606 |  | 635,798 |  |  |  |
2015 and Prior | 673,772 |  | 375,585 |  |  |  |
2014 and Prior |  |  | 414,101 |  |  |  |
Total | 5,648,477 |  | 5,687,405 |  |  |  |
Consumer Portfolio Segment | Student Loan | Loans In Forbearance |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 4,370 |  |  |  |  |  |
2019 | 51,418 |  | 21,009 |  |  |  |
2018 | 144,691 |  | 108,509 |  |  |  |
2017 | 180,617 |  | 142,341 |  |  |  |
2016 | 186,362 |  | 146,114 |  |  |  |
2015 and Prior | 422,467 |  | 127,799 |  |  |  |
2014 and Prior |  |  | 168,744 |  |  |  |
Total | 989,925 |  | 714,516 |  |  |  |
Consumer Portfolio Segment | Personal Loans |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 40 |  |  |  |  |  |
2019 | 346,123 |  | 400,216 |  |  |  |
2018 | 433,664 |  | 522,778 |  |  |  |
2017 | 76,188 |  | 99,581 |  |  |  |
2016 | 787 |  | 942 |  |  |  |
2015 and Prior | 856,802 |  |  |  |  |  |
Consumer Portfolio Segment | Personal Loans | FICO at Original Approval |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 40 |  |  |  |  |  |
2019 | 364,849 |  | 404,776 |  |  |  |
2018 | 455,692 |  | 540,784 |  |  |  |
2017 | 78,336 |  | 102,463 |  |  |  |
2016 | 787 |  | 984 |  |  |  |
Total | $ 899,704 |  | $ 1,049,007 |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | FICO at Original Approval | Less than 670 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 0 |  |  |  |  |  |
2019 | 7,501 |  | $ 8,315 |  |  |  |
2018 | 26,745 |  | 32,021 |  |  |  |
2017 | 5,072 |  | 7,030 |  |  |  |
2016 | 0 |  | 1 |  |  |  |
Total | $ 39,318 |  | $ 47,367 |  |  |  |
Private Education Loans At Origination | 4.00% |  | 4.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | FICO at Original Approval | 670-699 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 0 |  |  |  |  |  |
2019 | 70,479 |  | $ 77,746 |  |  |  |
2018 | 128,797 |  | 152,909 |  |  |  |
2017 | 21,295 |  | 28,384 |  |  |  |
2016 | 47 |  | 59 |  |  |  |
Total | $ 220,618 |  | $ 259,098 |  |  |  |
Private Education Loans At Origination | 25.00% |  | 25.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | FICO at Original Approval | 700-749 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 40 |  |  |  |  |  |
2019 | 195,857 |  | $ 217,642 |  |  |  |
2018 | 215,424 |  | 255,374 |  |  |  |
2017 | 37,261 |  | 48,254 |  |  |  |
2016 | 456 |  | 586 |  |  |  |
Total | $ 449,038 |  | $ 521,856 |  |  |  |
Private Education Loans At Origination | 50.00% |  | 50.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | FICO at Original Approval | Greater than or equal to 750 |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 0 |  |  |  |  |  |
2019 | 91,012 |  | $ 101,073 |  |  |  |
2018 | 84,726 |  | 100,480 |  |  |  |
2017 | 14,708 |  | 18,795 |  |  |  |
2016 | 284 |  | 338 |  |  |  |
Total | $ 190,730 |  | $ 220,686 |  |  |  |
Private Education Loans At Origination | 21.00% |  | 21.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 40 |  |  |  |  |  |
2019 | 364,849 |  | $ 404,776 |  |  |  |
2018 | 455,692 |  | 540,784 |  |  |  |
2017 | 78,336 |  | 102,463 |  |  |  |
2016 | 787 |  | 984 |  |  |  |
Total | $ 899,704 |  | $ 1,049,007 |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments | 37.00% |  |  |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 48.00% |  |  |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 15.00% |  |  |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 0.00% |  |  |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments | 0.00% |  |  |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment | 0.00% |  |  |  |  |  |
Total in percent | 100.00% |  | 100.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | 1-12 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | $ 40 |  |  |  |  |  |
2019 | 331,474 |  | $ 404,776 |  |  |  |
2018 | 400 |  | 65,164 |  |  |  |
2017 | 0 |  | 0 |  |  |  |
2016 | 0 |  | 0 |  |  |  |
Total | 331,914 |  | $ 469,940 |  |  |  |
Seasoning based on monthly scheduled payments due from 1-12 payments |  |  | 45.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | 13-24 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 33,375 |  | $ 0 |  |  |  |
2018 | 393,608 |  | 475,620 |  |  |  |
2017 | 6 |  | 29,698 |  |  |  |
2016 | 0 |  | 0 |  |  |  |
Total | 426,989 |  | $ 505,318 |  |  |  |
Seasoning based on monthly scheduled payments due from 13 - 24 payments |  |  | 48.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | 25-36 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | $ 0 |  |  |  |
2018 | 61,684 |  | 0 |  |  |  |
2017 | 76,924 |  | 72,765 |  |  |  |
2016 | 0 |  | 984 |  |  |  |
Total | 138,608 |  | $ 73,749 |  |  |  |
Seasoning based on monthly scheduled payments due from 25 - 36 payments |  |  | 7.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | 37-48 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | $ 0 |  |  |  |
2018 | 0 |  | 0 |  |  |  |
2017 | 1,406 |  | 0 |  |  |  |
2016 | 787 |  | 0 |  |  |  |
Total | 2,193 |  | $ 0 |  |  |  |
Seasoning based on monthly scheduled payments due from 37 - 48 payments |  |  | 0.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | More than 48 payments |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | $ 0 |  |  |  |
2018 | 0 |  | 0 |  |  |  |
2017 | 0 |  | 0 |  |  |  |
2016 | 0 |  | 0 |  |  |  |
Total | 0 |  | $ 0 |  |  |  |
Seasoning based on monthly scheduled payments due from more than 48 payments |  |  | 0.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Seasoning | Not yet in repayment |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 0 |  | $ 0 |  |  |  |
2018 | 0 |  | 0 |  |  |  |
2017 | 0 |  | 0 |  |  |  |
2016 | 0 |  | 0 |  |  |  |
Total | 0 |  | $ 0 |  |  |  |
Seasoning based on monthly scheduled payments due from not yet in repayment |  |  | 0.00% |  |  |  |
Consumer Portfolio Segment | Personal Loans | Loans In Forbearance |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
2020 | 0 |  |  |  |  |  |
2019 | 12,380 |  | $ 0 |  |  |  |
2018 | 7,137 |  | 0 |  |  |  |
2017 | 0 |  | 0 |  |  |  |
2016 | 0 |  | 0 |  |  |  |
2015 and Prior | 19,517 |  |  |  |  |  |
Total |  |  | 0 |  |  |  |
Commercial Portfolio Segment |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Current period gross charge-offs, 2020 |  |  | (2,350) |  |  |  |
Current period gross charge-offs, 2019 |  |  |  | $ (58,134) |  |  |
Current period gross charge-offs, 2018 |  |  |  |  | $ (13,693) |  |
Current period gross charge-offs, 2017 |  |  |  |  |  | $ (136) |
Current period gross charge-offs |  |  |  |  |  |  | $ 74,313
Current period recoveries, 2020 |  |  | 48 |  |  |  |
Current period recoveries, 2019 |  |  |  | 3,397 |  |  |
Current period recoveries, 2018 |  |  |  |  | 1,722 |  |
Current period recoveries, 2017 |  |  |  |  |  | 39 |
Current period recoveries |  |  |  |  |  |  | 5,206
Current period net charge-offs, 2020 |  |  | $ (2,302) |  |  |  |
Current period net charge-offs, 2019 |  |  |  | $ (54,737) |  |  |
Current period net charge-offs, 2018 |  |  |  |  | $ (11,971) |  |
Current period net charge-offs, 2017 |  |  |  |  |  | $ (97) |
Current period net charge-offs |  |  |  |  |  |  | $ 69,107
Commercial Portfolio Segment | Personal Loans |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Current period gross charge-offs, 2020 | 0 |  |  |  |  |  |
Current period gross charge-offs, 2019 | 2,885 |  |  |  |  |  |
Current period gross charge-offs, 2018 | 13,758 |  |  |  |  |  |
Current period gross charge-offs, 2017 | 2,563 |  |  |  |  |  |
Current period gross charge-offs, 2016 | (41) |  |  |  |  |  |
Current period gross charge-offs | 19,247 |  |  |  |  |  |
Current period recoveries, 2020 | 0 |  |  |  |  |  |
Current period recoveries, 2019 | 15 |  |  |  |  |  |
Current period recoveries, 2018 | 1,127 |  |  |  |  |  |
Current period recoveries, 2017 | 389 |  |  |  |  |  |
Current period recoveries, 2016 | 11 |  |  |  |  |  |
Current period recoveries | 1,542 |  |  |  |  |  |
Current period net charge-offs, 2020 | 0 |  |  |  |  |  |
Current period net charge-offs, 2019 | 2,870 |  |  |  |  |  |
Current period net charge-offs, 2018 | 12,631 |  |  |  |  |  |
Current period net charge-offs, 2017 | 2,174 |  |  |  |  |  |
Current period net charge-offs, 2016 | (30) |  |  |  |  |  |
Current period net charge-offs | $ 17,705 |  |  |  |  |  |

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