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Allowance for Credit Losses on Loans and Leases (Tables) | 6 Months Ended
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Jun. 30, 2021
Summary of Additional Information about Nonaccrual Loans | The following table presents additional information about the Company’s nonaccrual loans at June 30, 2021:
(dollars in millions) |  | Recorded Investment |  |  | Related Allowance |  |  | Interest Income Recognized |
Nonaccrual loans with no related allowance: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 7 |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | 11 |  |  |  | - |  |  |  | - |
One-to-four family |  |  | - |  |  |  | - |  |  |  | - |
Acquisition, development, and construction |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 9 |  |  |  | - |  |  |  | - |
Total nonaccrual loans with no related allowance |  | $ | 27 |  |  | $ | — |  |  | $ | — |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 2 |  |  | $ | 1 |  |  | $ | — |
Commercial real estate |  |  | 1 |  |  |  | - |  |  |  | - |
One-to-four family |  |  | 2 |  |  |  | - |  |  |  | - |
Acquisition, development, and construction |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | - |
Total nonaccrual loans with an allowance recorded |  | $ | 5 |  |  | $ | 1 |  |  | $ | — |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 9 |  |  | $ | 1 |  |  | $ | — |
Commercial real estate |  |  | 12 |  |  |  | - |  |  |  | - |
One-to-four family |  |  | 2 |  |  |  | - |  |  |  | - |
Acquisition, development, and construction |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 9 |  |  |  | - |  |  |  | - |
Total nonaccrual loans |  | $ | 32 |  |  | $ | 1 |  |  | $ | — |
The following table presents additional information about the Company’s nonaccrual loans at December 31, 2020:
(dollars in millions) |  | Recorded Investment |  |  |  | Related Allowance |  |  |  | Interest Income Recognized |
Nonaccrual loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  |  | $ | — |  |  |  | $ | — |
Commercial real estate |  |  | 2 |  |  |  |  | — |  |  |  |  | — |
One-to-four family |  |  | 1 |  |  |  |  | — |  |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  |  | — |  |  |  |  | — |
Other |  |  | 20 |  |  |  |  | — |  |  |  |  | 1 |
Total nonaccrual loans with no related allowance |  | $ | 23 |  |  |  | $ | — |  |  |  | $ | 1 |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 4 |  |  |  | $ | 1 |  |  |  | $ | — |
Commercial real estate |  |  | 10 |  |  |  |  | — |  |  |  |  | — |
One-to-four family |  |  | 1 |  |  |  |  | — |  |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  |  | — |  |  |  |  | — |
Other |  |  | — |  |  |  |  | — |  |  |  |  | — |
Total nonaccrual loans with an allowance recorded |  | $ | 15 |  |  |  | $ | 1 |  |  |  | $ | — |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 4 |  |  |  | $ | 1 |  |  |  | $ | — |
Commercial real estate |  |  | 12 |  |  |  |  | — |  |  |  |  | — |
One-to-four family |  |  | 2 |  |  |  |  | — |  |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  |  | — |  |  |  |  | — |
Other |  |  | 20 |  |  |  |  | — |  |  |  |  | 1 |
Total nonaccrual loans |  | $ | 38 |  |  |  | $ | 1 |  |  |  | $ | 1 |
Non-Covered Loans |
Summary of Activity in Allowance for Loan and Lease Losses | The following table summarizes activity in the allowance for credit losses on loans and leases for the periods indicated:
|  | For the Six Months Ended June 30, |
|  | 2021 |  |  | 2020 |
(dollars in millions) |  | Mortgage |  |  | Other |  |  | Total |  |  | Mortgage |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 176 |  |  | $ | 18 |  |  | $ | 194 |  |  | $ | 123 |  |  | $ | 25 |  |  | $ | 148 |
Impact of CECL adoption |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 2 |
Adjusted balance, beginning of period |  |  | 176 |  |  |  | 18 |  |  |  | 194 |  |  |  | 123 |  |  |  | 27 |  |  |  | 150 |
Charge-offs |  |  | (2 | ) |  |  | (3 | ) |  |  | (5 | ) |  |  | — |  |  |  | (14 | ) |  |  | (14 | )
Recoveries |  |  | 2 |  |  |  | 10 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | — |
Provision for credit losses |  |  | 1 |  |  |  | — |  |  |  | 1 |  |  |  | 34 |  |  |  | 4 |  |  |  | 38 |
Balance, end of period |  | $ | 177 |  |  | $ | 25 |  |  | $ | 202 |  |  | $ | 157 |  |  | $ | 17 |  |  | $ | 174 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
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