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Business Segments (Tables)
 12 Months Ended
Dec. 31, 2018
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, 2018, 2017 and 2016:
 
($ in thousands)
 
Consumer
and
Business
Banking
 
Commercial
Banking
 
Other
 
Total
Year Ended December 31, 2018
 
 
 
 
 
 
 
 
Interest income
 
$
466,504

 
$
1,063,658

 
$
121,541

 
$
1,651,703

Charge for funds used
 
(245,487
)
 
(535,445
)
 
(54,174
)
 
(835,106
)
Interest spread on funds used
 
221,017

 
528,213

 
67,367

 
816,597

Interest expense
 
(149,032
)
 
(52,613
)
 
(63,550
)
 
(265,195
)
Credit on funds provided
 
655,230

 
130,050

 
49,826

 
835,106

Interest spread on funds provided
 
506,198

 
77,437

 
(13,724
)
 
569,911

Net interest income before provision for credit losses
 
$
727,215

 
$
605,650

 
$
53,643

 
$
1,386,508

Provision for credit losses
 
$
9,364

 
$
54,891

 
$
—

 
$
64,255

Noninterest income
 
$
85,607

 
$
110,287

 
$
15,015

 
$
210,909

Noninterest expense
 
$
336,412

 
$
228,627

 
$
149,427

 
$
714,466

Segment income (loss) before income taxes
 
$
467,046

 
$
432,419

 
$
(80,769
)
 
$
818,696

Segment net income
 
$
334,255

 
$
309,926

 
$
59,520

 
$
703,701

As of December 31, 2018
 
 
 
 
 
 
 
 
Segment assets
 
$
10,587,621

 
$
23,761,469

 
$
6,693,266

 
$
41,042,356

 
 
($ in thousands)
 
Consumer
and
Business
Banking
 
Commercial
Banking
 
Other
 
Total
Year Ended December 31, 2017
 
 
 
 
 
 
 
 
Interest income
 
$
364,906

 
$
844,303

 
$
115,910

 
$
1,325,119

Charge for funds used
 
(142,619
)
 
(326,902
)
 
(64,256
)
 
(533,777
)
Interest spread on funds used
 
222,287

 
517,401

 
51,654

 
791,342

Interest expense
 
(76,770
)
 
(24,603
)
 
(38,677
)
 
(140,050
)
Credit on funds provided
 
445,304

 
61,019

 
27,454

 
533,777

Interest spread on funds provided
 
368,534

 
36,416

 
(11,223
)
 
393,727

Net interest income before provision for credit losses
 
$
590,821

 
$
553,817

 
$
40,431

 
$
1,185,069

Provision for credit losses
 
$
1,812

 
$
44,454

 
$
—

 
$
46,266

Noninterest income
 
$
54,451

 
$
110,089

 
$
93,208

 
$
257,748

Noninterest expense
 
$
319,645

 
$
193,161

 
$
148,645

 
$
661,451

Segment income (loss) before income taxes
 
$
323,815

 
$
426,291

 
$
(15,006
)
 
$
735,100

Segment net income
 
$
190,404

 
$
251,834

 
$
63,386

 
$
505,624

As of December 31, 2017
 
 
 
 
 
 
 
 
Segment assets
 
$
9,316,587

 
$
21,431,472

 
$
6,373,504

 
$
37,121,563

 
 
($ in thousands)
 
Consumer
and
Business
Banking
 
Commercial
Banking
 
Other
 
Total
Year Ended December 31, 2016
 
 
 
 
 
 
 
 
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 (reversal of) 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

Noninterest income
 
$
51,251

 
$
95,556

 
$
35,471

 
$
182,278

Noninterest expense
 
$
306,386

 
$
171,805

 
$
137,058

 
$
615,249

Segment income (loss) before income taxes
 
$
208,663

 
$
422,824

 
$
(59,299
)
 
$
572,188

Segment net income
 
$
122,256

 
$
248,474

 
$
60,947

 
$
431,677

As of December 31, 2016
 
 
 
 
 
 
 
 
Segment assets
 
$
7,821,610

 
$
19,128,510

 
$
7,838,720

 
$
34,788,840