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Revenue from Contracts with Customers
 9 Months Ended
Sep. 30, 2020
Revenue Recognition [Abstract]  
Revenue from Contracts with Customers Revenue from Contracts with Customers
Revenue from contracts with customers is recognized when obligations under the terms of a contract with the Corporation's customer are satisfied. Revenue is measured as the amount of consideration we expect to receive in exchange for transferring goods or providing services. We do not have any material significant payment terms as payment is received at or shortly after the satisfaction of the performance obligation.
The Corporation's disaggregated revenue by major source is presented below:
Corporate and Commercial Specialty
Three Months Ended September 30,Nine Months Ended September 30,
($ in Thousands)2020201920202019
Wealth management fees(a)
$21,152 $20,313 $61,496 $59,828 
Service charges and deposit account fees4,458 3,307 12,316 10,113 
Card-based fees(b)
474 451 1,216 1,341 
Insurance commissions and fees 57 109 179 283 
Other revenue1,400 690 2,481 1,743 
   Noninterest Income (in-scope of Topic 606) $27,541 $24,870 $77,688 $73,308 
   Noninterest Income (out-of-scope of Topic 606)9,864 8,801 33,566 27,827 
  Total Noninterest Income $37,405 $33,671 $111,254 $101,135 
Community, Consumer, and Business
Three Months Ended September 30,Nine Months Ended September 30,
($ in Thousands)2020201920202019
Wealth management fees(a)
$— $792 $1,387 $2,148 
Service charges and deposit account fees9,816 13,243 28,653 36,945 
Card-based fees(b)
9,699 10,004 27,392 28,490 
Insurance commissions and fees 55 20,842 44,965 69,110 
Other revenue2,168 2,441 7,315 7,057 
   Noninterest Income (in-scope of Topic 606) $21,738 $47,322 $109,712 $143,750 
Noninterest Income (out-of-scope of Topic 606)11,220 12,612 30,730 27,533 
  Total Noninterest Income $32,958 $59,934 $140,442 $171,283 

Risk Management and Shared Services
Three Months Ended September 30,Nine Months Ended September 30,
($ in Thousands)2020201920202019
Wealth management fees(a)
$— $(90)$— $(90)
Service charges and deposit account fees10 12 19 44 
Card-based fees(b)
34 45 127 143 
Insurance commissions and fees 2 3 8 10 
Other revenue(82)252 (33)690 
Noninterest Income (in-scope of Topic 606) $(36)$222 $121 $797 
Noninterest Income (out-of-scope of Topic 606)(c)
5,218 7,023 176,525 14,675 
  Total Noninterest Income $5,182 $7,245 $176,646 $15,472 
Consolidated Total
Three Months Ended September 30,Nine Months Ended September 30,
($ in Thousands)2020201920202019
Wealth management fees(a)
$21,152 $21,015 $62,884 $61,885 
Service charges and deposit account fees14,283 16,561 40,989 47,102 
Card-based fees(b)
10,207 10,501 28,735 29,973 
 Insurance commissions and fees 114 20,954 45,153 69,403 
Other revenue3,487 3,383 9,763 9,490 
Noninterest Income (in-scope of Topic 606) $49,243 $72,414 $187,521 $217,853 
Noninterest Income (out-of-scope of Topic 606)(c)
26,302 28,436 240,821 70,037 
  Total Noninterest Income $75,545 $100,850 $428,342 $287,890 
(a) Includes trust, asset management, brokerage, and annuity fees.
(b) Certain card-based fees are out-of-scope of Topic 606.
(c) The nine months ended September 30, 2020 includes a gain of $163 million from the sale of ABRC.
Below is a listing of performance obligations for the Corporation's main revenue streams:
Revenue StreamNoninterest income in-scope of Topic 606
Service charges and deposit account feesService charges and deposit account fees consist of monthly service fees (i.e. business analyzed fees and consumer service charges) and other deposit account related fees. The Corporation's performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Corporation's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges and deposit account fees are primarily received immediately or in the following month through a direct charge to customers’ accounts.
Card-based fees(a)
Card-based fees are primarily comprised of debit and credit card income, ATM fees, and merchant services income. Debit and credit card income is primarily comprised of interchange fees earned whenever the Corporation's debit and credit cards are processed through card payment networks. ATM and merchant fees are largely transactional based, and therefore, the Corporation's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment is typically received immediately or in the following month.
Trust and asset management fees(b)
Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Corporation's performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to the customers’ accounts. The Corporation's performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered.
Brokerage commissions and fees(b)
Brokerage commissions and fees primarily consist of investment advisory, brokerage, retirement services, and annuities. The Corporation's performance obligation for investment advisory services and retirement services is generally satisfied, and the related revenue recognized, over the period in which the services are provided. The performance obligation for annuities is satisfied upon sale of the annuity, and therefore, the related revenue is primarily recognized at the time of sale. Payments for these services are typically received immediately or in advance of the service.
(a) Certain card-based fees are out-of-scope of Topic 606.
(b) Trust and asset management fees and brokerage commissions and fees are included in wealth management fees.

Arrangements with Multiple Performance Obligations
The Corporation's contracts with customers may include multiple performance obligations. For such arrangements, we allocate revenue to each performance obligation based on its relative standalone selling price. We generally determine standalone selling prices based on the expected cost plus margin.
Practical Expedients
We do not disclose the value of unsatisfied performance obligations for contracts with an original expected length of one year or less.
Using the practical expedient, for contracts with a term of one year or less, the Corporation recognizes incremental costs of obtaining those contracts as an expense when incurred.