SEGMENT INFORMATION (Tables)

12 Months Ended

Dec. 31, 2013

SEGMENT INFORMATION

Operating results and key financial measures for operating segments

	Year Ended December 31, 2013
	Retail		Commercial
	Banking		Banking		Other		Total
	(In thousands)
Interest income	$	374,818	$	627,118	$	66,749	$	1,068,685
Charge for funds used	(86,552)		(116,161)		(18,244)		(220,957)
Interest spread on funds used	288,266		510,957		48,505		847,728
Interest expense	(47,287)		(15,185)		(50,020)		(112,492)
Credit on funds provided	173,194		29,262		18,501		220,957
Interest spread on funds provided	125,907		14,077		(31,519)		108,465
Net interest income	$	414,173	$	525,034	$	16,986	$	956,193
Provision for loan losses	$	10,911	$	11,453	$	—	$	22,364
Depreciation, amortization and accretion (1)	19,865		8,120		69,125		97,110
Goodwill	320,566		16,872		—		337,438
Segment pre-tax profit	123,876		272,369		29,605		425,850
Segment assets	7,820,191		11,545,405		5,364,472		24,730,068

	Year Ended December 31, 2012
	Retail		Commercial
	Banking		Banking		Other		Total
	(In thousands)
Interest income	$	356,244	$	617,041	$	77,810	$	1,051,095
Charge for funds used	(85,811)		(118,688)		44,407		(160,092)
Interest spread on funds used	270,433		498,353		122,217		891,003
Interest expense	(57,401)		(23,226)		(51,541)		(132,168)
Credit on funds provided	130,713		13,138		16,241		160,092
Interest spread on funds provided	73,312		(10,088)		(35,300)		27,924
Net interest income	$	343,745	$	488,265	$	86,917	$	918,927
Provision for loan losses	$	28,729	$	36,455	$	—	$	65,184
Depreciation, amortization and accretion (1)	12,869		(13,277)		44,159		43,751
Goodwill	320,566		16,872		—		337,438
Segment pre-tax profit	74,836		266,168		84,588		425,592
Segment assets	6,552,217		10,421,160		5,562,733		22,536,110

	Year Ended December 31, 2011
	Retail		Commercial
	Banking		Banking		Other		Total
	(In thousands)
Interest income	$	358,853	$	619,766	$	101,829	$	1,080,448
Charge for funds used	(94,098)		(142,056)		3,690		(232,464)
Interest spread on funds used	264,755		477,710		105,519		847,984
Interest expense	(85,356)		(31,407)		(60,659)		(177,422)
Credit on funds provided	202,080		13,863		16,521		232,464
Interest spread on funds provided	116,724		(17,544)		(44,138)		55,042
Net interest income	$	381,479	$	460,166	$	61,381	$	903,026
Provision for loan losses	$	27,888	$	67,118	$	—	$	95,006
Depreciation, amortization and accretion (1)	43,899		62,803		21,552		128,254
Goodwill	320,566		16,872		—		337,438
Segment pre-tax profit	102,217		227,766		53,351		383,334
Segment assets	6,530,138		10,157,195		5,281,334		21,968,667

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