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Segment Reporting (Tables)
9 Months Ended
Sep. 30, 2015
Segment Reporting [Abstract]  
Selected segment information
 
 
 
 
 
 
 
 
Segment Income Statement Data

($ in Thousands)
Corporate and
Commercial
Specialty
 
Community, 
Consumer, and
Business
 
Risk Management
and Shared Services
 
Consolidated
Total
Nine Months Ended September 30, 2015
 
 
 
 
Net interest income
$
230,130

 
$
261,951

 
$
12,729

 
$
504,810

Noninterest income
36,222

 
200,042

 
10,249

 
246,513

Total revenue
266,352

 
461,993

 
22,978

 
751,323

Credit provision *
30,312

 
19,625

 
(32,437
)
 
17,500

Noninterest expense
106,643

 
366,410

 
49,454

 
522,507

Income before income taxes
129,397

 
75,958

 
5,961

 
211,316

Income tax expense (benefit)
44,384

 
26,585

 
(5,163
)
 
65,806

Net income
$
85,013

 
$
49,373

 
$
11,124

 
$
145,510

Return on average allocated capital (ROCET1) **
11.8
%
 
10.3
%
 
3.9
%
 
10.3
%
Nine Months Ended September 30, 2014
 
 
 
 
 
 
 
Net interest income
$
220,973

 
$
227,409

 
$
57,924

 
$
506,306

Noninterest income
35,971

 
168,287

 
16,418

 
220,676

Total revenue
256,944

 
395,696

 
74,342

 
726,982

Credit provision *
37,021

 
16,534

 
(42,555
)
 
11,000

Noninterest expense
110,558

 
346,084

 
50,794

 
507,436

Income before income taxes
109,365

 
33,078

 
66,103

 
208,546

Income tax expense
35,767

 
11,388

 
19,620

 
66,775

Net income
$
73,598

 
$
21,690

 
$
46,483

 
$
141,771

Return on average allocated capital (ROCET1) **
12.8
%
 
5.4
%
 
9.8
%
 
9.8
%
 
 
 
 
 
 
 
 
Segment Balance Sheet Data

($ in Thousands)
Corporate and
Commercial
Specialty
 
Community,
Consumer, and
Business
 
Risk Management
and Shared Services
 
Consolidated
Total
Average Balances for YTD 3Q 2015
 
 
 
 
 
 
 
Average earning assets
$
9,373,312

 
$
8,719,078

 
$
6,326,258

 
$
24,418,648

Average loans
9,363,936

 
8,719,078

 
71,378

 
18,154,392

Average deposits
5,730,918

 
10,786,342

 
3,145,612

 
19,662,872

Average allocated capital (CET1) **
$
966,746

 
$
640,116

 
$
213,750

 
$
1,820,612

Average Balances for YTD 3Q 2014
 
 
 
 
 
 
 
Average earning assets
$
8,933,616

 
$
7,646,487

 
$
5,933,220

 
$
22,513,323

Average loans
8,922,631

 
7,646,487

 
85,115

 
16,654,233

Average deposits
5,129,046

 
9,872,624

 
2,347,059

 
17,348,729

Average allocated capital (CET1) **
$
766,391

 
$
535,528

 
$
585,493

 
$
1,887,412


 
 
 
 
 
 
 
 
Segment Income Statement Data

($ in Thousands)
Corporate and
Commercial
Specialty
 
Community, 
Consumer, and
Business
 
Risk Management
and Shared Services
 
Consolidated
Total
Three Months Ended September 30, 2015
 
 
 
 
Net interest income
$
78,283

 
$
88,209

 
$
4,017

 
$
170,509

Noninterest income
11,305

 
64,911

 
3,700

 
79,916

Total revenue
89,588

 
153,120

 
7,717

 
250,425

Credit provision *
10,851

 
5,963

 
(8,814
)
 
8,000

Noninterest expense
37,293

 
122,393

 
11,750

 
171,436

Income before income taxes
41,444

 
24,764

 
4,781

 
70,989

Income tax expense (benefit)
13,955

 
8,667

 
(1,071
)
 
21,551

Net income
$
27,489

 
$
16,097

 
$
5,852

 
$
49,438

Return on average allocated capital (ROCET1) **
11.0
%
 
10.1
%
 
6.7
%
 
10.2
%
Three Months Ended September 30, 2014
 
 
 
 
 
 
 
Net interest income
$
72,474

 
$
82,067

 
$
18,089

 
$
172,630

Noninterest income
11,888

 
54,601

 
8,419

 
74,908

Total revenue
84,362

 
136,668

 
26,508

 
247,538

Credit provision *
11,074

 
6,773

 
(16,847
)
 
1,000

Noninterest expense
35,044

 
122,722

 
14,087

 
171,853

Income before income taxes
38,244

 
7,173

 
29,268

 
74,685

Income tax expense
12,343

 
2,467

 
9,668

 
24,478

Net income
$
25,901

 
$
4,706

 
$
19,600

 
$
50,207

Return on average allocated capital (ROCET1) **
13.8
%
 
3.2
%
 
13.4
%
 
10.4
%
 
 
 
 
 
 
 
 
Segment Balance Sheet Data

($ in Thousands)
Corporate and
Commercial
Specialty
 
Community,
Consumer, and
Business
 
Risk Management
and Shared Services
 
Consolidated
Total
Average Balances for 3Q15
 
 
 
 
 
 
 
Average earning assets
$
9,475,469

 
$
8,917,831

 
$
6,440,714

 
$
24,834,014

Average loans
9,466,761

 
8,917,831

 
68,157

 
18,452,749

Average deposits
6,044,306

 
10,969,172

 
3,280,121

 
20,293,599

Average allocated capital (CET1) **
$
988,283

 
$
632,878

 
$
216,275

 
$
1,837,436

Average Balances for 3Q14
 
 
 
 
 
 
 
Average earning assets
$
8,761,870

 
$
8,310,839

 
$
6,024,008

 
$
23,096,717

Average loans
8,750,207

 
8,310,839

 
79,915

 
17,140,961

Average deposits
5,092,314

 
10,337,637

 
2,443,427

 
17,873,378

Average allocated capital (CET1) **
$
744,792

 
$
583,096

 
$
543,358

 
$
1,871,246

* The consolidated credit provision is equal to the actual reported provision for credit losses.
 
 
 
 
** The Federal Reserve establishes capital adequacy requirements for the Corporation, including Tier 1 capital. Tier 1 capital is comprised of common capital and certain redeemable, non-cumulative preferred stock. Average allocated capital represents average common equity Tier 1 which is defined as average Tier 1 capital excluding qualifying perpetual preferred stock and qualifying trust preferred securities. This is a non-GAAP financial measure. For segment reporting purposes, the ROCET1 reflects return on average allocated common equity Tier 1 ("CET1"). The ROCET1 for the Risk Management and Shared Services segment and the Consolidated Total is inclusive of the annualized effect of the preferred stock dividends.