XML 94 R85.htm IDEA: XBRL DOCUMENT v3.22.2.2
Operating Segments - Schedule of Financial Data for Business Segments (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Segment Reporting Information [Line Items]        
Average interest earning assets $ 50,531,242 $ 38,332,874 $ 46,605,417 $ 37,902,547
Interest income 536,728 328,801 1,330,133 994,247
Interest expense 82,736 27,775 140,312 99,647
Net interest income 453,992 301,026 1,189,821 894,600
Provision (credit) for credit losses 2,023 3,531 49,578 20,934
Net Interest Income After Provision for Credit Losses 451,969 297,495 1,140,243 873,666
Non-interest income 56,194 42,431 153,997 116,790
Non-interest expense 261,639 174,922 758,709 507,028
Internal transfer expense (income) 0 0 0 0
Income Before Income Taxes $ 246,524 $ 165,004 $ 535,531 $ 483,428
Return on average interest earning assets (pre-tax) 1.95% 1.72% 1.53% 1.70%
Consumer Lending | Operating Segments        
Segment Reporting Information [Line Items]        
Average interest earning assets $ 8,307,993 $ 7,373,897 $ 7,978,732 $ 7,176,086
Interest income 70,590 58,887 193,186 179,151
Interest expense 12,288 4,032 20,218 15,639
Net interest income 58,302 54,855 172,968 163,512
Provision (credit) for credit losses 7,182 (4,614) 14,457 (6,538)
Net Interest Income After Provision for Credit Losses 51,120 59,469 158,511 170,050
Non-interest income 19,637 11,845 50,540 47,445
Non-interest expense 24,352 13,520 59,711 53,161
Internal transfer expense (income) 26,268 20,662 92,544 60,026
Income Before Income Taxes $ 20,137 $ 37,132 $ 56,796 $ 104,308
Return on average interest earning assets (pre-tax) 0.97% 2.01% 0.95% 1.94%
Commercial Lending | Operating Segments        
Segment Reporting Information [Line Items]        
Average interest earning assets $ 36,033,901 $ 25,324,485 $ 32,551,062 $ 25,465,276
Interest income 425,930 250,866 1,036,276 759,097
Interest expense 53,294 13,795 84,356 55,497
Net interest income 372,636 237,071 951,920 703,600
Provision (credit) for credit losses (5,347) 8,110 34,590 27,825
Net Interest Income After Provision for Credit Losses 377,983 228,961 917,330 675,775
Non-interest income 23,510 11,611 54,815 29,144
Non-interest expense 31,759 27,504 81,292 80,276
Internal transfer expense (income) 113,932 71,141 371,213 212,931
Income Before Income Taxes $ 255,802 $ 141,927 $ 519,640 $ 411,712
Return on average interest earning assets (pre-tax) 2.84% 2.24% 2.13% 2.16%
Treasury and Corporate Other | Operating Segments        
Segment Reporting Information [Line Items]        
Return on average interest earning assets (pre-tax)   (1.00%)    
Treasury and Corporate Other | Treasury and Corporate Other        
Segment Reporting Information [Line Items]        
Average interest earning assets $ 6,189,348 $ 5,634,492 $ 6,075,623 $ 5,261,185
Interest income 40,208 19,048 100,671 55,999
Interest expense 17,154 9,948 35,738 28,511
Net interest income 23,054 9,100 64,933 27,488
Provision (credit) for credit losses 188 35 531 (353)
Net Interest Income After Provision for Credit Losses 22,866 9,065 64,402 27,841
Non-interest income 13,047 18,975 48,642 40,201
Non-interest expense 205,528 133,898 617,706 373,591
Internal transfer expense (income) (140,200) (91,803) (463,757) (272,957)
Income Before Income Taxes $ (29,415) $ (14,055) $ (40,905) $ (32,592)
Return on average interest earning assets (pre-tax) (1.90%)   (0.90%) (0.83%)