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Business Segments (Tables)
 6 Months Ended
Jun. 30, 2018
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 six months ended June 30, 2018 and 2017:
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Three Months Ended June 30, 2018
 
 
 
 
 
 
 
 
Interest income
 
$
110,808

 
$
261,567

 
$
27,936

 
$
400,311

Charge for funds used
 
(56,915
)
 
(126,782
)
 
(16,674
)
 
(200,371
)
Interest spread on funds used
 
53,893

 
134,785

 
11,262

 
199,940

Interest expense
 
(31,991
)
 
(11,635
)
 
(15,006
)
 
(58,632
)
Credit on funds provided
 
158,446

 
30,728

 
11,197

 
200,371

Interest spread on funds provided (used)
 
126,455

 
19,093

 
(3,809
)
 
141,739

Net interest income before provision for credit losses
 
$
180,348

 
$
153,878

 
$
7,453

 
$
341,679

Provision for credit losses
 
$
3,414

 
$
12,122

 
$
—

 
$
15,536

Noninterest income
 
$
14,585

 
$
30,744

 
$
2,939

 
$
48,268

Noninterest expense
 
$
86,144

 
$
56,706

 
$
34,569

 
$
177,419

Segment income (loss) before income taxes
 
$
105,375

 
$
115,794

 
$
(24,177
)
 
$
196,992

Segment income after income taxes
 
$
75,496

 
$
83,210

 
$
13,643

 
$
172,349

As of June 30, 2018:
 
 
 
 
 
 
 


Segment assets
 
$
9,816,103

 
$
22,199,992

 
$
6,056,859

 
$
38,072,954

 
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Three Months Ended June 30, 2017
 
 
 
 
 
 
 
 
Interest income
 
$
88,752

 
$
205,873

 
$
28,150

 
$
322,775

Charge for funds used
 
(33,139
)
 
(77,750
)
 
(14,517
)
 
(125,406
)
Interest spread on funds used
 
55,613

 
128,123

 
13,633

 
197,369

Interest expense
 
(18,377
)
 
(5,184
)
 
(9,123
)
 
(32,684
)
Credit on funds provided
 
106,094

 
12,623

 
6,689

 
125,406

Interest spread on funds provided (used)
 
87,717

 
7,439

 
(2,434
)
 
92,722

Net interest income before (reversal of) provision for credit losses
 
$
143,330

 
$
135,562

 
$
11,199

 
$
290,091

(Reversal of) provision for credit losses
 
$
(664
)
 
$
11,349

 
$
—

 
$
10,685

Noninterest income
 
$
13,641

 
$
26,584

 
$
7,019

 
$
47,244

Noninterest expense
 
$
79,950

 
$
44,551

 
$
44,464

 
$
168,965

Segment income (loss) before income taxes
 
$
77,685

 
$
106,246

 
$
(26,246
)
 
$
157,685

Segment income after income taxes
 
$
45,679

 
$
62,766

 
$
9,885

 
$
118,330

As of June 30, 2017:
 
 
 
 
 
 
 


Segment assets
 
$
8,438,706

 
$
20,456,579

 
$
7,022,332

 
$
35,917,617

 
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Six Months Ended June 30, 2018
 
 
 
 
 
 
 
 
Interest income
 
$
215,518

 
$
501,144

 
$
55,522

 
$
772,184

Charge for funds used
 
(106,188
)
 
(238,148
)
 
(35,001
)
 
(379,337
)
Interest spread on funds used
 
109,330

 
262,996

 
20,521

 
392,847

Interest expense
 
(56,931
)
 
(20,814
)
 
(26,067
)
 
(103,812
)
Credit on funds provided
 
303,897

 
56,176

 
19,264

 
379,337

Interest spread on funds provided (used)
 
246,966

 
35,362

 
(6,803
)
 
275,525

Net interest income before provision for credit losses
 
$
356,296

 
$
298,358

 
$
13,718

 
$
668,372

Provision for credit losses
 
$
6,507

 
$
29,247

 
$
—

 
$
35,754

Noninterest income
 
$
59,033

 
$
58,182

 
$
5,497

 
$
122,712

Noninterest expense
 
$
168,112

 
$
121,726

 
$
56,716

 
$
346,554

Segment income (loss) before income taxes
 
$
240,710

 
$
205,567

 
$
(37,501
)
 
$
408,776

Segment income after income taxes
 
$
172,464

 
$
147,572

 
$
39,345

 
$
359,381

As of June 30, 2018:
 
 
 
 
 
 
 
 
Segment assets
 
$
9,816,103

 
$
22,199,992

 
$
6,056,859

 
$
38,072,954

 
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Six Months Ended June 30, 2017
 
 
 
 
 
 
 
 
Interest income
 
$
169,777

 
$
398,292

 
$
57,375

 
$
625,444

Charge for funds used
 
(60,877
)
 
(142,259
)
 
(42,684
)
 
(245,820
)
Interest spread on funds used
 
108,900

 
256,033

 
14,691

 
379,624

Interest expense
 
(34,560
)
 
(10,282
)
 
(18,389
)
 
(63,231
)
Credit on funds provided
 
208,640

 
24,666

 
12,514

 
245,820

Interest spread on funds provided (used)
 
174,080

 
14,384

 
(5,875
)
 
182,589

Net interest income before (reversal of) provision for credit losses
 
$
282,980

 
$
270,417

 
$
8,816

 
$
562,213

(Reversal of) provision for credit losses
 
$
(286
)
 
$
18,039

 
$
—

 
$
17,753

Noninterest income
 
$
27,205

 
$
52,318

 
$
83,549

 
$
163,072

Noninterest expense
 
$
152,794

 
$
98,924

 
$
70,125

 
$
321,843

Segment income before income taxes
 
$
157,677

 
$
205,772

 
$
22,240

 
$
385,689

Segment income after income taxes
 
$
92,714

 
$
121,562

 
$
73,790

 
$
288,066

As of June 30, 2017:
 
 
 
 
 
 
 
 
Segment assets
 
$
8,438,706

 
$
20,456,579

 
$
7,022,332

 
$
35,917,617