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Allowance for Credit Losses on Loans and Leases (Tables) | 9 Months Ended
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Sep. 30, 2021
Summary of Additional Information about Nonaccrual Loans | The following table presents additional information about the Company’s nonaccrual loans at September 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 |  |  | 7 |  |  |  | — |  |  |  | — |
Total nonaccrual loans with no related allowance |  | $ | 25 |  |  | $ | — |  |  | $ | — |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 1 |  |  |  | — |  |  | $ | — |
Commercial real estate |  |  | 2 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | - |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | - |  |  |  | — |  |  |  | — |
Other |  |  | - |  |  |  | — |  |  |  | — |
Total nonaccrual loans with an allowance recorded |  | $ | 3 |  |  | $ | — |  |  | $ | — |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 8 |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | 13 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | - |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | - |  |  |  | — |  |  |  | — |
Other |  |  | 7 |  |  |  | — |  |  |  | — |
Total nonaccrual loans |  | $ | 28 |  |  | $ | — |  |  | $ | — |
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 Nine Months Ended September 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 | ) |  |  | (4 | ) |  |  | (6 | ) |  |  | — |  |  |  | (15 | ) |  |  | (15 | )
Recoveries |  |  | 2 |  |  |  | 11 |  |  |  | 13 |  |  |  | 1 |  |  |  | 1 |  |  |  | 2 |
Provision for (recovery of) credit losses |  |  | 1 |  |  |  | (2 | ) |  |  | (1 | ) |  |  | 47 |  |  |  | 4 |  |  |  | 51 |
Balance, end of period |  | $ | 177 |  |  | $ | 23 |  |  | $ | 200 |  |  | $ | 171 |  |  | $ | 17 |  |  | $ | 188 |

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