SEGMENT INFORMATION (Tables)

12 Months Ended

Dec. 31, 2011

Operating results and key financial measures for operating segments

	Year Ended December 31, 2011

	Retail Banking			Commercial Lending			Other			Total
	(In thousands)
Interest income	$	358,853		$	619,766		$	101,829		$	1,080,448
Charge for funds used		(94,098	)		(142,056	)		3,690			(232,464	)

Interest spread on funds used		264,755			477,710			105,519			847,984

Interest expense		(85,356	)		(31,407	)		(60,659	)		(177,422	)
Credit on funds provided		202,080			13,863			16,521			232,464

Interest spread on funds provided		116,724			(17,544	)		(44,138	)		55,042

Net interest income	$	381,479		$	460,166		$	61,381		$	903,026

Provision for loan losses	$	(27,888	)	$	(67,118	)	$	—		$	(95,006	)
Depreciation, amortization and accretion⁽¹⁾		(43,899	)		(62,803	)		(21,552	)		(128,254	)
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit		102,217			227,766			53,351			383,334
Segment assets		6,530,138			10,157,195			5,281,334			21,968,667

	Year Ended December 31, 2010

	Retail Banking			Commercial Lending			Other			Total
	(In thousands)
Interest income	$	355,198		$	659,703		$	80,930		$	1,095,831
Charge for funds used		(113,121	)		(156,303	)		29,514			(239,910	)

Interest spread on funds used		242,077			503,400			110,444			855,921

Interest expense		(112,703	)		(24,756	)		(63,658	)		(201,117	)
Credit on funds provided		209,040			14,346			16,524			239,910

Interest spread on funds provided		96,337			(10,410	)		(47,134	)		38,793

Net interest income	$	338,414		$	492,990		$	63,310		$	894,714

Provision for loan losses	$	(73,021	)	$	(127,138	)	$	—		$	(200,159	)
Depreciation, amortization and accretion⁽¹⁾		(59,060	)		(100,546	)		(2,810	)		(162,416	)
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit (loss)		(4,992	)		157,932			102,969			255,909
Segment assets		6,580,118			9,856,661			4,263,758			20,700,537

	Year Ended December 31, 2009

	Retail Banking			Commercial Lending			Other			Total
	(In thousands)
Interest income	$	263,293		$	343,173		$	116,352		$	722,818
Charge for funds used		(69,260	)		(75,153	)		(186,024	)		(330,437	)

Interest spread on funds used		194,033			268,020			(69,672	)		392,381

Interest expense		(103,778	)		(20,156	)		(113,195	)		(237,129	)
Credit on funds provided		165,258			17,854			147,325			330,437

Interest spread on funds provided		61,480			(2,302	)		34,130			93,308

Net interest income (expense)	$	255,513		$	265,718		$	(35,542	)	$	485,689

Provision for loan losses	$	(175,825	)	$	(352,841	)	$	—		$	(528,666	)
Depreciation, amortization and accretion⁽¹⁾		(4,949	)		17,084			(6,103	)		6,032
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit (loss)		(23,196	)		(173,396	)		301,314			104,722
Segment assets		6,697,894			10,404,063			3,457,255			20,559,212

⁽¹⁾: Includes amortization and accretion related to the FDIC indemnification asset.

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

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