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BUSINESS SEGMENTS (Tables)
 12 Months Ended
Dec. 31, 2015
Segment Reporting [Abstract]  
Operating results and key financial measures for operating segments
The following tables present the operating results and other key financial measures for the individual operating segments as of and for the years ended December 31, 2015, 2014, and 2013:
 
($ in thousands)
 
Year Ended December 31, 2015
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
331,755

 
$
654,966

 
$
67,094

 
$
1,053,815

Charge for funds used
 
(86,769
)
 
(163,601
)
 
(66,773
)
 
(317,143
)
Interest spread on funds used
 
244,986

 
491,365

 
321

 
736,672

Interest expense
 
(53,088
)
 
(18,025
)
 
(32,263
)
 
(103,376
)
Credit on funds provided
 
261,117

 
36,251

 
19,775

 
317,143

Interest spread on funds provided
 
208,029

 
18,226

 
(12,488
)
 
213,767

Net interest income (loss)
 
$
453,015

 
$
509,591

 
$
(12,167
)
 
$
950,439

(Reversal of) provision for credit losses
 
$
(5,835
)
 
$
20,052

 
$
—

 
$
14,217

Depreciation, amortization and accretion (1)
 
$
10,051

 
$
(28,096
)
 
$
64,247

 
$
46,202

Segment pre-tax profit (loss)
 
$
212,036

 
$
382,233

 
$
(15,548
)
 
$
578,721

Segment assets
 
$
7,095,737

 
$
17,923,319

 
$
7,331,866

 
$
32,350,922

 
 
($ in thousands)
 
Year Ended December 31, 2014
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest 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)
 
$
462,136

 
$
596,365

 
$
(17,623
)
 
$
1,040,878

Provision for credit losses
 
$
14,979

 
$
34,179

 
$
—

 
$
49,158

Depreciation, amortization and accretion (1)(2)
 
$
14,376

 
$
(8,372
)
 
$
76,549

 
$
82,553

Segment pre-tax profit (loss) (2)
 
$
181,286

 
$
293,425

 
$
(27,688
)
 
$
447,023

Segment assets (2)
 
$
7,621,808

 
$
15,595,862

 
$
5,525,922

 
$
28,743,592

 
 
($ in thousands)
 
Year Ended December 31, 2013
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest 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
 
$
414,173

 
$
525,034

 
$
16,986

 
$
956,193

Provision for credit losses
 
$
10,911

 
$
11,453

 
$
—

 
$
22,364

Depreciation, amortization and accretion (1)(2)
 
$
19,865

 
$
8,120

 
$
47,829

 
$
75,814

Segment pre-tax profit (2)
 
$
132,961

 
$
283,885

 
$
30,300

 
$
447,146

Segment assets (2)
 
$
7,820,191

 
$
11,545,405

 
$
5,366,620

 
$
24,732,216

 

(1)
Includes amortization and accretion related to the FDIC indemnification asset/net payable to the FDIC.
(2)
Prior periods were restated to reflect the retrospective application of adopting the new accounting guidance related to the Company’s investments in qualified affordable housing projects ASU 2014-01. Please see Note 9 — Investments in Qualified Affordable Housing Partnerships, Tax Credit and Other Investments, Net to the Consolidated Financial Statements for additional information.