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Business Segments (Tables)
 9 Months Ended
Sep. 30, 2017
Segment Reporting [Abstract]  
Schedule of operating results and other 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 three and nine months ended September 30, 2017 and 2016:
 
($ in thousands)
 
Three Months Ended September 30, 2017
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
93,714

 
$
218,397

 
$
27,799

 
$
339,910

Charge for funds used
 
(37,979
)
 
(87,071
)
 
(7,589
)
 
(132,639
)
Interest spread on funds used
 
55,735

 
131,326

 
20,210

 
207,271

Interest expense
 
(20,090
)
 
(5,943
)
 
(10,722
)
 
(36,755
)
Credit on funds provided
 
111,812

 
12,770

 
8,057

 
132,639

Interest spread on funds provided (used)
 
91,722

 
6,827

 
(2,665
)
 
95,884

Net interest income before provision for credit losses
 
$
147,457

 
$
138,153

 
$
17,545

 
$
303,155

Provision for credit losses
 
$
2,058

 
$
10,938

 
$
—

 
$
12,996

Depreciation, amortization and (accretion), net
 
$
3,401

 
$
(5,449
)
 
$
40,001

 
$
37,953

Segment income before income taxes
 
$
68,554

 
$
99,025

 
$
7,705

 
$
175,284

As of September 30, 2017:
 
 
 
 
 
 
 


Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
8,877,186

 
$
21,216,848

 
$
6,213,932

 
$
36,307,966

 
 
($ in thousands)
 
Three Months Ended September 30, 2016
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
77,186

 
$
180,095

 
$
23,036

 
$
280,317

Charge for funds used
 
(24,320
)
 
(53,262
)
 
(3,858
)
 
(81,440
)
Interest spread on funds used
 
52,866

 
126,833

 
19,178

 
198,877

Interest expense
 
(14,855
)
 
(3,699
)
 
(7,615
)
 
(26,169
)
Credit on funds provided
 
68,622

 
8,206

 
4,612

 
81,440

Interest spread on funds provided (used)
 
53,767

 
4,507

 
(3,003
)
 
55,271

Net interest income before (reversal of) provision for credit losses
 
$
106,633

 
$
131,340

 
$
16,175

 
$
254,148

(Reversal of) provision for credit losses
 
$
(3,709
)
 
$
13,234

 
$
—

 
$
9,525

Depreciation, amortization, and (accretion), net
 
$
782

 
$
(5,875
)
 
$
40,541

 
$
35,448

Segment income before income taxes
 
$
32,304

 
$
80,393

 
$
10,767

 
$
123,464

As of September 30, 2016:
 
 
 
 
 
 
 


Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
7,606,611

 
$
18,549,562

 
$
7,099,102

 
$
33,255,275

 

 
($ in thousands)
 
Nine Months Ended September 30, 2017
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
263,491

 
$
616,689

 
$
85,174

 
$
965,354

Charge for funds used
 
(98,856
)
 
(229,330
)
 
(50,273
)
 
(378,459
)
Interest spread on funds used
 
164,635

 
387,359

 
34,901

 
586,895

Interest expense
 
(54,650
)
 
(16,225
)
 
(29,111
)
 
(99,986
)
Credit on funds provided
 
320,452

 
37,436

 
20,571

 
378,459

Interest spread on funds provided (used)
 
265,802

 
21,211

 
(8,540
)
 
278,473

Net interest income before provision for credit losses
 
$
430,437

 
$
408,570

 
$
26,361

 
$
865,368

Provision for credit losses
 
$
1,772

 
$
28,977

 
$
—

 
$
30,749

Depreciation, amortization and (accretion), net
 
$
6,741

 
$
(14,609
)
 
$
111,639

 
$
103,771

Segment income before income taxes
 
$
204,601

 
$
284,195

 
$
72,177

 
$
560,973

As of September 30, 2017:
 
 
 
 
 
 
 
 
Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
8,877,186

 
$
21,216,848

 
$
6,213,932

 
$
36,307,966

 
 
($ in thousands)
 
Nine Months Ended September 30, 2016
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Interest income
 
$
233,192

 
$
534,603

 
$
67,559

 
$
835,354

Charge for funds used
 
(70,770
)
 
(159,734
)
 
(22,465
)
 
(252,969
)
Interest spread on funds used
 
162,422

 
374,869

 
45,094

 
582,385

Interest expense
 
(44,133
)
 
(11,965
)
 
(19,320
)
 
(75,418
)
Credit on funds provided
 
210,831

 
26,655

 
15,483

 
252,969

Interest spread on funds provided (used)
 
166,698

 
14,690

 
(3,837
)
 
177,551

Net interest income before (reversal of) provision for credit losses
 
$
329,120

 
$
389,559

 
$
41,257

 
$
759,936

(Reversal of) provision for credit losses
 
$
(2,846
)
 
$
19,864

 
$
—

 
$
17,018

Depreciation, amortization and (accretion), net
 
$
279

 
$
(25,915
)
 
$
86,316

 
$
60,680

Segment income before income taxes
 
$
114,513

 
$
268,401

 
$
28,137

 
$
411,051

As of September 30, 2016:
 
 
 
 
 
 
 
 
Goodwill
 
$
357,207

 
$
112,226

 
$
—

 
$
469,433

Segment assets
 
$
7,606,611

 
$
18,549,562

 
$
7,099,102

 
$
33,255,275