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Credit Quality of Residential Real Estate Mortgages and HELOCs by Reviewing FICO Scores at Origination, Current FICO Scores, Loan-To-Value Ratio (Detail) (USD $)
In Millions, unless otherwise specified |
Dec. 31, 2012
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Dec. 31, 2011
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|---|---|---|---|---|---|---|---|---|
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | $ 10,782 | [1] | $ 9,866 | [1] | ||||
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Residential real estate mortgages, first mortgages
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 6,348 | 5,437 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination Pre 2008
|
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 465 | 569 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2008
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 402 | 538 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2009
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 305 | 553 | ||||||
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Residential real estate mortgages, first mortgages | Year of origination 2010
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 909 | 1,757 | ||||||
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Residential real estate mortgages, first mortgages | Year of origination 2011
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,270 | 2,020 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2012
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,997 | |||||||
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Residential real estate mortgages, first mortgages | Origination FICO Score Below 620
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 10 | 9 | ||||||
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Residential real estate mortgages, first mortgages | Origination FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 98 | 108 | ||||||
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Residential real estate mortgages, first mortgages | Origination FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,141 | 1,030 | ||||||
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Residential real estate mortgages, first mortgages | Origination FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,099 | 4,290 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 54 | 55 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 191 | 162 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 940 | 831 | ||||||
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Residential real estate mortgages, first mortgages | Updated FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,163 | 4,389 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan To Value Ratio 70 Percent And Below
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 4,189 | 3,507 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,142 | 1,904 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
|
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 17 | 26 | ||||||
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Residential real estate mortgages, purchased first mortgages
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 159 | 159 | ||||||
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Residential real estate mortgages, purchased first mortgages | Year of origination Pre 2008
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 56 | 60 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Year of origination 2008
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 6 | 8 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Year of origination 2009
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 6 | 10 | ||||||
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Residential real estate mortgages, purchased first mortgages | Year of origination 2010
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 12 | 17 | ||||||
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Residential real estate mortgages, purchased first mortgages | Year of origination 2011
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 53 | 64 | ||||||
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Residential real estate mortgages, purchased first mortgages | Year of origination 2012
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 26 | |||||||
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Residential real estate mortgages, purchased first mortgages | Origination FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1 | 2 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 16 | 19 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 40 | 43 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 102 | 95 | ||||||
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Residential real estate mortgages, purchased first mortgages | Updated FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 6 | 7 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Updated FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 13 | 11 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Updated FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 34 | 44 | ||||||
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Residential real estate mortgages, purchased first mortgages | Updated FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 106 | 97 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination Loan To Value Ratio 70 Percent And Below
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 97 | 91 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 54 | 60 | ||||||
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Residential real estate mortgages, purchased first mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 8 | 8 | ||||||
|
Residential real estate mortgages
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 6,507 | 5,596 | ||||||
| Weighted Average Updated FICO | 768 | 768 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.38% | 0.50% | ||||||
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Residential real estate mortgages | Year of origination Pre 2008
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 521 | 629 | ||||||
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Residential real estate mortgages | Year of origination 2008
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 408 | 546 | ||||||
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Residential real estate mortgages | Year of origination 2009
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 311 | 563 | ||||||
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Residential real estate mortgages | Year of origination 2010
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 921 | 1,774 | ||||||
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Residential real estate mortgages | Year of origination 2011
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,323 | 2,084 | ||||||
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Residential real estate mortgages | Year of origination 2012
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 3,023 | |||||||
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Residential real estate mortgages | Origination FICO Score Below 620
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 11 | 11 | ||||||
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Residential real estate mortgages | Origination FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 114 | 127 | ||||||
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Residential real estate mortgages | Origination FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,181 | 1,073 | ||||||
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Residential real estate mortgages | Origination FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,201 | 4,385 | ||||||
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Residential real estate mortgages | Updated FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 60 | 62 | ||||||
|
Residential real estate mortgages | Updated FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 204 | 173 | ||||||
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Residential real estate mortgages | Updated FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 974 | 875 | ||||||
|
Residential real estate mortgages | Updated FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,269 | 4,486 | ||||||
|
Residential real estate mortgages | Origination Loan To Value Ratio 70 Percent And Below
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 4,286 | 3,598 | ||||||
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Residential real estate mortgages | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,196 | 1,964 | ||||||
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Residential real estate mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 25 | 34 | ||||||
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Residential real estate mortgages | Estimated Current LTV 70 Percent And Below
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 4,162 | 3,200 | ||||||
| Weighted Average Updated FICO | 772 | 773 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.05% | 0.27% | ||||||
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Residential real estate mortgages | Estimated Current LTV Greater Than 70% through 90%
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,841 | 1,764 | ||||||
| Weighted Average Updated FICO | 764 | 766 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.22% | 0.41% | ||||||
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Residential real estate mortgages | Estimated Current LTV Greater Than 90% through 100%
|
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 168 | 241 | ||||||
| Weighted Average Updated FICO | 750 | 758 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.51% | 1.33% | ||||||
|
Residential real estate mortgages | Estimated Current LTV Greater Than 100%
|
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 336 | 391 | ||||||
| Weighted Average Updated FICO | 741 | 748 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 5.34% | 2.34% | ||||||
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Home equity lines of credit
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 3,287 | 3,509 | ||||||
| Weighted Average Updated FICO | 767 | 769 | ||||||
| Utilization Rate | 42.00% | [2] | 43.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.31% | 0.25% | ||||||
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Home equity lines of credit | Year of origination Pre 2008
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,187 | 1,306 | ||||||
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Home equity lines of credit | Year of origination 2008
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,151 | 1,262 | ||||||
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Home equity lines of credit | Year of origination 2009
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 338 | 412 | ||||||
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Home equity lines of credit | Year of origination 2010
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 249 | 311 | ||||||
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Home equity lines of credit | Year of origination 2011
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 198 | 218 | ||||||
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Home equity lines of credit | Year of origination 2012
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 164 | |||||||
|
Home equity lines of credit | Origination FICO Score 620 Through 679
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 23 | 24 | ||||||
|
Home equity lines of credit | Origination FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 633 | 667 | ||||||
|
Home equity lines of credit | Origination FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,631 | 2,818 | ||||||
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Home equity lines of credit | Updated FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 49 | 49 | ||||||
|
Home equity lines of credit | Updated FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 117 | 112 | ||||||
|
Home equity lines of credit | Updated FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 510 | 520 | ||||||
|
Home equity lines of credit | Updated FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,611 | 2,828 | ||||||
|
Home equity lines of credit | Origination Loan To Value Ratio 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,225 | 2,378 | ||||||
|
Home equity lines of credit | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,036 | 1,091 | ||||||
|
Home equity lines of credit | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 26 | 40 | ||||||
|
Home equity lines of credit | Estimated Current LTV 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,559 | 1,561 | ||||||
| Weighted Average Updated FICO | 773 | 774 | ||||||
| Utilization Rate | 36.00% | [2] | 37.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.14% | 0.09% | ||||||
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Home equity lines of credit | Estimated Current LTV Greater Than 70% through 90%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,020 | 1,099 | ||||||
| Weighted Average Updated FICO | 766 | 769 | ||||||
| Utilization Rate | 46.00% | [2] | 46.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.18% | 0.26% | ||||||
|
Home equity lines of credit | Estimated Current LTV Greater Than 90% through 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 267 | 328 | ||||||
| Weighted Average Updated FICO | 759 | 765 | ||||||
| Utilization Rate | 54.00% | [2] | 54.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.44% | 0.16% | ||||||
|
Home equity lines of credit | Estimated Current LTV Greater Than 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | $ 441 | $ 521 | ||||||
| Weighted Average Updated FICO | 753 | 755 | ||||||
| Utilization Rate | 59.00% | [2] | 58.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 1.06% | 0.75% | ||||||
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