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BUSINESS SEGMENTS (Tables)
 12 Months Ended
Dec. 31, 2016
Segment Reporting [Abstract]  
Schedule of operating results and key financial measures by 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, 2016, 2015 and 2014:
 
($ in thousands)
 
Year Ended December 31, 2016
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
315,146

 
$
726,013

 
$
96,322

 
$
1,137,481

Charge for funds used
 
(95,970
)
 
(216,849
)
 
(47,646
)
 
(360,465
)
Interest spread on funds used
 
219,176

 
509,164

 
48,676

 
777,016

Interest expense
 
(60,180
)
 
(16,892
)
 
(27,771
)
 
(104,843
)
Credit on funds provided
 
300,446

 
38,636

 
21,383

 
360,465

Interest spread on funds provided
 
240,266

 
21,744

 
(6,388
)
 
255,622

Net interest income before provision for credit losses
 
$
459,442

 
$
530,908

 
$
42,288

 
$
1,032,638

(Reversal of) provision for credit losses
 
$
(4,356
)
 
$
31,835

 
$
—

 
$
27,479

Depreciation, amortization and (accretion), net
 
$
601

 
$
(35,534
)
 
$
118,281

 
$
83,348

Segment income before income taxes
 
$
170,129

 
$
377,913

 
$
24,146

 
$
572,188

As of December 31, 2016:
 
 
 
 
 
 
 
 
Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
7,821,610

 
$
19,128,510

 
$
7,838,720

 
$
34,788,840

 
 
($ 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) before provision for credit losses
 
$
453,015

 
$
509,591

 
$
(12,167
)
 
$
950,439

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

 
$
—

 
$
14,217

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

 
$
(28,096
)
 
$
64,247

 
$
46,202

Segment income (loss) before income taxes
 
$
212,036

 
$
382,233

 
$
(15,548
)
 
$
578,721

As of December 31, 2015:
 
 
 
 
 
 
 
 
Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
7,095,737

 
$
17,923,319

 
$
7,331,866

 
$
32,350,922

 
(1)
Includes amortization and (accretion) related to the FDIC indemnification asset/net payable to the FDIC.
 
($ 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) before provision for credit losses
 
$
462,136

 
$
596,365

 
$
(17,623
)
 
$
1,040,878

Provision for credit losses
 
$
14,979

 
$
34,179

 
$
—

 
$
49,158

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

 
$
(8,372
)
 
$
76,549

 
$
82,553

Segment income (loss) before income taxes
 
$
181,286

 
$
293,425

 
$
(27,688
)
 
$
447,023

As of December 31, 2014:
 
 
 
 
 
 
 
 
Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
7,621,808

 
$
15,595,862

 
$
5,525,922

 
$
28,743,592

 

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