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SEGMENT INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2014
SEGMENT INFORMATION  
Operating results and key financial measures for operating segments
 
Year Ended December 31, 2014
 
Retail
Banking
Commercial
Banking
Other
Total
 
(In thousands)
Interest and dividend income
$
378,445

$
715,075

$
60,178

$
1,153,698

Charge for funds used
(94,162
)
(141,652
)
(47,570
)
(283,384
)
Interest spread on funds used
284,283

573,423

12,608

870,314

Interest expense
(48,020
)
(15,650
)
(49,150
)
(112,820
)
Credit on funds provided
225,873

38,592

18,919

283,384

Interest spread on funds provided
177,853

22,942

(30,231
)
170,564

Net interest income (loss) before provision for loan losses
$
462,136

$
596,365

$
(17,623
)
$
1,040,878

Provision for loan losses
$
14,979

$
34,179

$
—

$
49,158

Depreciation, amortization and accretion (1)
$
14,376

$
(8,372
)
$
108,117

$
114,121

Goodwill
$
357,207

$
112,226

$
—

$
469,433

Income before provision for income taxes
$
166,637

$
276,601

$
(27,783
)
$
415,455

Assets
$
7,621,808

$
15,595,862

$
5,520,379

$
28,738,049

 
Year Ended December 31, 2013
 
Retail
Banking
Commercial
Banking
Other
Total
 
(In thousands)
Interest and dividend income
$
374,818

$
627,118

$
66,749

$
1,068,685

Charge for funds used
(86,552
)
(116,161
)
(18,244
)
(220,957
)
Interest spread on funds used
288,266

510,957

48,505

847,728

Interest expense
(47,287
)
(15,185
)
(50,020
)
(112,492
)
Credit on funds provided
173,194

29,262

18,501

220,957

Interest spread on funds provided
125,907

14,077

(31,519
)
108,465

Net interest income before provision for loan losses
$
414,173

$
525,034

$
16,986

$
956,193

Provision for loan losses
$
10,911

$
11,453

$
—

$
22,364

Depreciation, amortization and accretion (1)
$
19,865

$
8,120

$
69,125

$
97,110

Goodwill
$
320,566

$
16,872

$
—

$
337,438

Income before provision for income taxes
$
123,876

$
272,369

$
29,605

$
425,850

Assets
$
7,820,191

$
11,545,405

$
5,364,472

$
24,730,068

 
Year Ended December 31, 2012
 
Retail
Banking
Commercial
Banking
Other
Total
 
(In thousands)
Interest and dividend income
$
356,244

$
617,041

$
77,810

$
1,051,095

Charge for funds used
(85,811
)
(118,688
)
44,407

(160,092
)
Interest spread on funds used
270,433

498,353

122,217

891,003

Interest expense
(57,401
)
(23,226
)
(51,541
)
(132,168
)
Credit on funds provided
130,713

13,138

16,241

160,092

Interest spread on funds provided
73,312

(10,088
)
(35,300
)
27,924

Net interest income before provision for loan losses
$
343,745

$
488,265

$
86,917

$
918,927

Provision for loan losses
$
28,729

$
36,455

$
—

$
65,184

Depreciation, amortization and accretion (1)
$
12,869

$
(13,277
)
$
44,159

$
43,751

Goodwill
$
320,566

$
16,872

$
—

$
337,438

Income before provision for income taxes
$
74,836

$
266,168

$
84,588

$
425,592

Assets
$
6,552,217

$
10,421,160

$
5,562,733

$
22,536,110

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