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Allowance for Credit Losses on Loans and Leases (Tables) | 12 Months Ended
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Dec. 31, 2021
Summary of Additional Information about Nonaccrual Loans | The following table presents additional information about the Company’s nonaccrual loans at December 31, 2021:
(in millions) |  | Recorded Investment |  |  | Related Allowance |  |  | Interest Income Recognized |
Nonaccrual loans with no related allowance: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 9 |  |  | $ | — |  |  | $ | 1 |
Commercial real estate |  |  | 14 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 6 |  |  |  | — |  |  |  | — |
Total nonaccrual loans with no related allowance |  | $ | 29 |  |  | $ | — |  |  | $ | 1 |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 1 |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | 2 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | 1 |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |
Total nonaccrual loans with an allowance recorded |  | $ | 4 |  |  | $ | — |  |  | $ | — |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 10 |  |  | $ | — |  |  | $ | 1 |
Commercial real estate |  |  | 16 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | 1 |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 6 |  |  |  | — |  |  |  | — |
Total nonaccrual loans |  | $ | 33 |  |  | $ | — |  |  | $ | 1 |
The following table presents additional information about the Company’s nonaccrual loans at December 31, 2020
(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 loan and lease losses for the periods indicated:
|  | Twelve Months Ended December 31, |
|  | 2021 |  |  | 2020 |
(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 |  |  | (6 | ) |  |  | (7 | ) |  |  | (13 | ) |  |  | (2 | ) |  |  | (20 | ) |  |  | (22 | )
Recoveries |  |  | 2 |  |  |  | 13 |  |  |  | 15 |  |  |  | 1 |  |  |  | 2 |  |  |  | 3 |
Provision for (recovery of) credit losses on loans and leases |  |  | 6 |  |  |  | (3 | ) |  |  | 3 |  |  |  | 54 |  |  |  | 9 |  |  |  | 63 |
Balance, end of period |  | $ | 178 |  |  | $ | 21 |  |  | $ | 199 |  |  | $ | 176 |  |  | $ | 18 |  |  | $ | 194 |

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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=123577603&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=124255953&loc=SL82919249-210447 + Details
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