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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 |
Mar. 31, 2013
|
Dec. 31, 2012
|
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|---|---|---|---|---|---|---|---|---|
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | $ 11,359 | [1] | $ 10,782 | [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 | 6,945 | 6,348 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination Pre 2009
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 813 | 867 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2009
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 269 | 305 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2010
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 747 | 909 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2011
|
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,065 | 1,270 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2012
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,938 | 2,997 | ||||||
|
Residential real estate mortgages, first mortgages | Year of origination 2013
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,113 | |||||||
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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 | 11 | 10 | ||||||
|
Residential real estate mortgages, first mortgages | Origination FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 99 | 98 | ||||||
|
Residential real estate mortgages, first mortgages | Origination FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,236 | 1,141 | ||||||
|
Residential real estate mortgages, first mortgages | Origination FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,599 | 5,099 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score Below 620
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 53 | 54 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 194 | 191 | ||||||
|
Residential real estate mortgages, first mortgages | Updated FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 952 | 940 | ||||||
|
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 | 5,746 | 5,163 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan To Value Ratio 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 4,626 | 4,189 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,302 | 2,142 | ||||||
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Residential real estate mortgages, first mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 17 | 17 | ||||||
|
Residential real estate mortgages, purchased first mortgages
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 157 | 159 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Year of origination Pre 2009
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 59 | 62 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Year of origination 2009
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5 | 6 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Year of origination 2010
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 10 | 12 | ||||||
|
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 | 47 | 53 | ||||||
|
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 | 29 | 26 | ||||||
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Residential real estate mortgages, purchased first mortgages | Year of origination 2013
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 7 | |||||||
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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 | 1 | ||||||
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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 | 16 | ||||||
|
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 | 37 | 40 | ||||||
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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 | 103 | 102 | ||||||
|
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 | 6 | ||||||
|
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 | 14 | 13 | ||||||
|
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 | 29 | 34 | ||||||
|
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 | 108 | 106 | ||||||
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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 | 101 | 97 | ||||||
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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 | 49 | 54 | ||||||
|
Residential real estate mortgages, purchased first mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 7 | 8 | ||||||
|
Residential real estate mortgages
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 7,102 | 6,507 | ||||||
| Weighted Average Updated FICO | 770 | 768 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.30% | 0.38% | ||||||
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Residential real estate mortgages | Year of origination Pre 2009
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 872 | 929 | ||||||
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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 | 274 | 311 | ||||||
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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 | 757 | 921 | ||||||
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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 | 1,112 | 1,323 | ||||||
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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 | 2,967 | 3,023 | ||||||
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Residential real estate mortgages | Year of origination 2013
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,120 | |||||||
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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 | 12 | 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 | 115 | 114 | ||||||
|
Residential real estate mortgages | Origination FICO Score 680 Through 739
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,273 | 1,181 | ||||||
|
Residential real estate mortgages | Origination FICO Score 740 And Above
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,702 | 5,201 | ||||||
|
Residential real estate mortgages | Updated FICO Score Below 620
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||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 59 | 60 | ||||||
|
Residential real estate mortgages | Updated FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 208 | 204 | ||||||
|
Residential real estate mortgages | Updated FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 981 | 974 | ||||||
|
Residential real estate mortgages | Updated FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 5,854 | 5,269 | ||||||
|
Residential real estate mortgages | Origination Loan To Value Ratio 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 4,727 | 4,286 | ||||||
|
Residential real estate mortgages | Origination Loan to Value Ratio Greater Than 70 Percent Through 90 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,351 | 2,196 | ||||||
|
Residential real estate mortgages | Origination Loan to Value Ratio Greater Than 90 Percent Through 100 Percent
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 24 | 25 | ||||||
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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 | 5,178 | 4,162 | ||||||
| Weighted Average Updated FICO | 774 | 772 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.04% | 0.05% | ||||||
|
Residential real estate mortgages | Estimated Current LTV Greater Than 70% through 90%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,579 | 1,841 | ||||||
| Weighted Average Updated FICO | 764 | 764 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.23% | 0.22% | ||||||
|
Residential real estate mortgages | Estimated Current LTV Greater Than 90% through 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 133 | 168 | ||||||
| Weighted Average Updated FICO | 746 | 750 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 1.37% | 0.51% | ||||||
|
Residential real estate mortgages | Estimated Current LTV Greater Than 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 212 | 336 | ||||||
| Weighted Average Updated FICO | 734 | 741 | ||||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 6.71% | 5.34% | ||||||
|
Home equity lines of credit
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 3,193 | 3,287 | ||||||
| Weighted Average Updated FICO | 768 | 767 | ||||||
| Utilization Rate | 41.00% | [2] | 42.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.21% | 0.31% | ||||||
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Home equity lines of credit | Year of origination Pre 2009
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| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,248 | 2,338 | ||||||
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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 | 314 | 338 | ||||||
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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 | 230 | 249 | ||||||
|
Home equity lines of credit | Year of origination 2011
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 187 | 198 | ||||||
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Home equity lines of credit | Year of origination 2012
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 170 | 164 | ||||||
|
Home equity lines of credit | Year of origination 2013
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 44 | |||||||
|
Home equity lines of credit | Origination FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 22 | 23 | ||||||
|
Home equity lines of credit | Origination FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 612 | 633 | ||||||
|
Home equity lines of credit | Origination FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,559 | 2,631 | ||||||
|
Home equity lines of credit | Updated FICO Score Below 620
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 48 | 49 | ||||||
|
Home equity lines of credit | Updated FICO Score 620 Through 679
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 113 | 117 | ||||||
|
Home equity lines of credit | Updated FICO Score 680 Through 739
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 493 | 510 | ||||||
|
Home equity lines of credit | Updated FICO Score 740 And Above
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,539 | 2,611 | ||||||
|
Home equity lines of credit | Origination Loan To Value Ratio 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 2,154 | 2,225 | ||||||
|
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 | 1,013 | 1,036 | ||||||
|
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 | 26 | ||||||
|
Home equity lines of credit | Estimated Current LTV 70 Percent And Below
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 1,829 | 1,559 | ||||||
| Weighted Average Updated FICO | 773 | 773 | ||||||
| Utilization Rate | 36.00% | [2] | 36.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.09% | 0.14% | ||||||
|
Home equity lines of credit | Estimated Current LTV Greater Than 70% through 90%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 880 | 1,020 | ||||||
| Weighted Average Updated FICO | 765 | 766 | ||||||
| Utilization Rate | 47.00% | [2] | 46.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.15% | 0.18% | ||||||
|
Home equity lines of credit | Estimated Current LTV Greater Than 90% through 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | 218 | 267 | ||||||
| Weighted Average Updated FICO | 755 | 759 | ||||||
| Utilization Rate | 57.00% | [2] | 54.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.77% | 0.44% | ||||||
|
Home equity lines of credit | Estimated Current LTV Greater Than 100%
|
||||||||
| Financing Receivable, Recorded Investment [Line Items] | ||||||||
| Loans to banking clients | $ 266 | $ 441 | ||||||
| Weighted Average Updated FICO | 749 | 753 | ||||||
| Utilization Rate | 60.00% | [2] | 59.00% | [2] | ||||
| Percent of Loans that are 90+ Days Past Due and Less than 90 Days Past Due but on Nonaccrual Status | 0.73% | 1.06% | ||||||
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