BUSINESS SEGMENTS (Tables)

9 Months Ended

Sep. 30, 2014

BUSINESS SEGMENTS

Operating results and key financial measures for operating segments

	Three Months Ended September 30, 2014
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	95,911		$	175,032		$	15,005		$	285,948
Charge for funds used	(24,738		)	(35,809		)	(15,265		)	(75,812		)
Interest spread on funds used	71,173			139,223			(260		)	210,136
Interest expense	(12,057		)	(4,692		)	(12,225		)	(28,974		)
Credit on funds provided	60,770			9,908			5,134			75,812
Interest spread on funds provided	48,713			5,216			(7,091		)	46,838
Net interest income (loss)	$	119,886		$	144,439		$	(7,351	)	$	256,974
Provision for loan losses	$	394		$	14,831		$	—		$	15,225
Depreciation, amortization and accretion	4,806			(412		)	44,686			49,080
Goodwill	354,163			104,304			—			458,467
Segment pre-tax profit (loss)	39,872			43,833			(8,593		)	75,112
Segment assets	$	7,775,343		$	14,879,699		$	5,826,088		$	28,481,130

	Three Months Ended September 30, 2013
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	97,488		$	166,442		$	17,776		$	281,706
Charge for funds used	(23,351		)	(29,241		)	(15,270		)	(67,862		)
Interest spread on funds used	74,137			137,201			2,506			213,844
Interest expense	(11,570		)	(3,456		)	(12,430		)	(27,456		)
Credit on funds provided	52,257			9,803			5,802			67,862
Interest spread on funds provided	40,687			6,347			(6,628		)	40,406
Net interest income (loss)	$	114,824		$	143,548		$	(4,122	)	$	254,250
Provision for loan losses	$	1,168		$	2,403		$	—		$	3,571
Depreciation, amortization and accretion	5,214			1,911			15,033			22,158
Goodwill	320,566			16,872			—			337,438
Segment pre-tax profit (loss)	36,498			76,255			(3,847		)	108,906
Segment assets	$	7,523,832		$	11,145,584		$	5,829,419		$	24,498,835

	Nine Months Ended September 30, 2014
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	294,428		$	525,987		$	46,148		$	866,563
Charge for funds used	(72,888		)	(101,907		)	(29,578		)	(204,373		)
Interest spread on funds used	221,540			424,080			16,570			662,190
Interest expense	(35,718		)	(11,393		)	(38,062		)	(85,173		)
Credit on funds provided	163,102			27,328			13,943			204,373
Interest spread on funds provided	127,384			15,935			(24,119		)	119,200
Net interest income (loss)	$	348,924		$	440,015		$	(7,549	)	$	781,390
Provision for loan losses	$	2,606		$	27,552		$	—		$	30,158
Depreciation, amortization and accretion	11,473			(5,026		)	78,487			84,934
Goodwill	354,163			104,304			—			458,467
Segment pre-tax profit (loss)	127,893			192,551			(18,036		)	302,408
Segment assets	$	7,775,343		$	14,879,699		$	5,826,088		$	28,481,130

	Nine Months Ended September 30, 2013
	Retail			Commercial
	Banking			Banking			Other			Total
	(In thousands)
Interest income	$	274,255		$	453,670		$	47,557		$	775,482
Charge for funds used	(61,236		)	(85,197		)	(5,841		)	(152,274		)
Interest spread on funds used	213,019			368,473			41,716			623,208
Interest expense	(35,923		)	(11,773		)	(36,601		)	(84,297		)
Credit on funds provided	120,675			19,137			12,462			152,274
Interest spread on funds provided	84,752			7,364			(24,139		)	67,977
Net interest income	$	297,771		$	375,837		$	17,577		$	691,185
Provision for loan losses	$	7,734		$	9,164		$	—		$	16,898
Depreciation, amortization and accretion	13,500			2,537			45,030			61,067
Goodwill	320,566			16,872			—			337,438
Segment pre-tax profit	87,918			208,450			30,918			327,286
Segment assets	$	7,523,832		$	11,145,584		$	5,829,419		$	24,498,835