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Business Segments (Tables)
 9 Months Ended
Sep. 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 nine months ended September 30, 2018 and 2017:
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Three Months Ended September 30, 2018
 
 
 
 
 
 
 
 
Interest income
 
$
120,449

 
$
271,760

 
$
29,976

 
$
422,185

Charge for funds used
 
(65,499
)
 
(139,986
)
 
(10,158
)
 
(215,643
)
Interest spread on funds used
 
54,950

 
131,774

 
19,818

 
206,542

Interest expense
 
(41,207
)
 
(13,808
)
 
(18,450
)
 
(73,465
)
Credit on funds provided
 
168,529

 
31,804

 
15,310

 
215,643

Interest spread on funds provided (used)
 
127,322

 
17,996

 
(3,140
)
 
142,178

Net interest income before provision for credit losses
 
$
182,272

 
$
149,770

 
$
16,678

 
$
348,720

Provision for credit losses
 
$
705

 
$
9,837

 
$
—

 
$
10,542

Noninterest income
 
$
13,137

 
$
27,861

 
$
5,504

 
$
46,502

Noninterest expense
 
$
87,341

 
$
53,233

 
$
39,241

 
$
179,815

Segment income (loss) before income taxes
 
$
107,363

 
$
114,561

 
$
(17,059
)
 
$
204,865

Segment net income
 
$
76,732

 
$
81,969

 
$
12,601

 
$
171,302

As of September 30, 2018:
 
 
 
 
 
 
 


Segment assets
 
$
10,194,291

 
$
22,930,768

 
$
5,948,047

 
$
39,073,106

 
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Three Months Ended September 30, 2017
 
 
 
 
 
 
 
 
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

Noninterest income
 
$
16,068

 
$
30,316

 
$
3,086

 
$
49,470

Noninterest expense
 
$
80,614

 
$
46,977

 
$
36,754

 
$
164,345

Segment income (loss) before income taxes
 
$
80,853

 
$
110,554

 
$
(16,123
)
 
$
175,284

Segment net income
 
$
47,541

 
$
65,311

 
$
19,808

 
$
132,660

As of September 30, 2017:
 
 
 
 
 
 
 


Segment assets
 
$
8,877,186

 
$
21,216,848

 
$
6,213,932

 
$
36,307,966

 
 
($ in thousands)
 
Retail
Banking
 
Commercial
Banking
 
Other
 
Total
Nine Months Ended September 30, 2018
 
 
 
 
 
 
 
 
Interest income
 
$
335,967

 
$
772,904

 
$
85,498

 
$
1,194,369

Charge for funds used
 
(171,687
)
 
(378,134
)
 
(45,159
)
 
(594,980
)
Interest spread on funds used
 
164,280

 
394,770

 
40,339

 
599,389

Interest expense
 
(98,138
)
 
(34,622
)
 
(44,517
)
 
(177,277
)
Credit on funds provided
 
472,426

 
87,980

 
34,574

 
594,980

Interest spread on funds provided (used)
 
374,288

 
53,358

 
(9,943
)
 
417,703

Net interest income before provision for credit losses
 
$
538,568

 
$
448,128

 
$
30,396

 
$
1,017,092

Provision for credit losses
 
$
7,212

 
$
39,084

 
$
—

 
$
46,296

Noninterest income
 
$
72,170

 
$
86,043

 
$
11,001

 
$
169,214

Noninterest expense
 
$
255,453

 
$
174,959

 
$
95,957

 
$
526,369

Segment income (loss) before income taxes
 
$
348,073

 
$
320,128

 
$
(54,560
)
 
$
613,641

Segment net income
 
$
249,196

 
$
229,541

 
$
51,946

 
$
530,683

As of September 30, 2018:
 
 
 
 
 
 
 
 
Segment assets
 
$
10,194,291

 
$
22,930,768

 
$
5,948,047

 
$
39,073,106

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

Noninterest income
 
$
43,273

 
$
82,634

 
$
86,635

 
$
212,542

Noninterest expense
 
$
233,408

 
$
145,901

 
$
106,879

 
$
486,188

Segment income before income taxes
 
$
238,530

 
$
316,326

 
$
6,117

 
$
560,973

Segment net income
 
$
140,255

 
$
186,873

 
$
93,598

 
$
420,726

As of September 30, 2017:
 
 
 
 
 
 
 
 
Segment assets
 
$
8,877,186

 
$
21,216,848

 
$
6,213,932

 
$
36,307,966