BUSINESS SEGMENTS (Tables)

6 Months Ended

Jun. 30, 2014

BUSINESS SEGMENTS

Operating results and key financial measures for operating segments

	Three Months Ended June 30, 2014
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	99,792		$	181,880		$	12,770		$	294,442
Charge for funds used	(23,854		)	(34,281		)	(9,929		)	(68,064		)
Interest spread on funds used	75,938			147,599			2,841			226,378
Interest expense	(11,950		)	(3,421		)	(12,621		)	(27,992		)
Credit on funds provided	54,139			8,983			4,942			68,064
Interest spread on funds provided	42,189			5,562			(7,679		)	40,072
Net interest income (loss)	$	118,127		$	153,161		$	(4,838	)	$	266,450
Provision for loan losses	$	(440	)	$	8,440		$	—		$	8,000
Depreciation, amortization and accretion	4,096			(1,286		)	19,508			22,318
Goodwill	354,163			104,304			—			458,467
Segment pre-tax profit (loss)	45,691			73,987			(4,072		)	115,606
Segment assets	$	7,822,020		$	14,177,634		$	5,557,451		$	27,557,105

	Three Months Ended June 30, 2013
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	93,928		$	147,168		$	14,257		$	255,353
Charge for funds used	(17,901		)	(27,883		)	156			(45,628		)
Interest spread on funds used	76,027			119,285			14,413			209,725
Interest expense	(11,708		)	(3,940		)	(12,061		)	(27,709		)
Credit on funds provided	36,022			5,711			3,895			45,628
Interest spread on funds provided	24,314			1,771			(8,166		)	17,919
Net interest income	$	100,341		$	121,056		$	6,247		$	227,644
Provision for loan losses	$	2,886		$	6,114		$	—		$	9,000
Depreciation, amortization and accretion	5,865			3,445			14,602			23,912
Goodwill	320,566			16,872			—			337,438
Segment pre-tax profit	32,493			65,514			13,863			111,870
Segment assets	$	7,035,908		$	10,903,753		$	5,368,745		$	23,308,406

	Six Months Ended June 30, 2014
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	198,517		$	350,956		$	31,142		$	580,615
Charge for funds used	(48,150		)	(66,098		)	(14,312		)	(128,560		)
Interest spread on funds used	150,367			284,858			16,830			452,055
Interest expense	(23,661		)	(6,701		)	(25,837		)	(56,199		)
Credit on funds provided	102,332			17,419			8,809			128,560
Interest spread on funds provided	78,671			10,718			(17,028		)	72,361
Net interest income (loss)	$	229,038		$	295,576		$	(198	)	$	524,416
Provision for loan losses	$	2,212		$	12,721		$	—		$	14,933
Depreciation, amortization and accretion	6,667			(4,614		)	33,801			35,854
Goodwill	354,163			104,304			—			458,467
Segment pre-tax profit (loss)	88,022			148,718			(9,444		)	227,296
Segment assets	$	7,822,020		$	14,177,634		$	5,557,451		$	27,557,105

	Six Months Ended June 30, 2013
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	176,767		$	287,228		$	29,781		$	493,776
Charge for funds used	(37,885		)	(55,956		)	9,429			(84,412		)
Interest spread on funds used	138,882			231,272			39,210			409,364
Interest expense	(24,353		)	(8,317		)	(24,171		)	(56,841		)
Credit on funds provided	68,418			9,334			6,660			84,412
Interest spread on funds provided	44,065			1,017			(17,511		)	27,571
Net interest income	$	182,947		$	232,289		$	21,699		$	436,935
Provision for loan losses	$	6,566		$	6,761		$	—		$	13,327
Depreciation, amortization and accretion	8,286			626			29,997			38,909
Goodwill	320,566			16,872			—			337,438
Segment pre-tax profit	51,420			132,195			34,765			218,380
Segment assets	$	7,035,908		$	10,903,753		$	5,368,745		$	23,308,406