Revenues (Tables)

12 Months Ended

Dec. 31, 2024

Disaggregation of Revenue [Table Text Block]

The Corporation's disaggregated revenue by major source is presented below:


	For the Year Ended December 31, 2024
($ in thousands)	Corporate and Commercial Specialty		Community, Consumer and Business		Risk Management and Shared Services		Consolidated Corporation
Wealth management fees	$	—	$	92,569	$	—	$	92,569
Service charges and deposit account fees	11,627		39,977		38		51,642
Card-based fees(a)	1,652		45,287		88		47,027
Other revenue (expense)	315		8,103		(138)		8,280
Noninterest income (loss) (in-scope of Topic 606)	$	13,594	$	185,936	$	(12)	$	199,518
Noninterest income (loss) (out-of-scope of Topic 606)	39,841		12,549		(261,315)		(208,925)
Total noninterest income (loss)	$	53,435	$	198,485	$	(261,327)	$	(9,407)
(a) Loan fees and certain card based fees are out-of-scope of Topic 606.


	For the Year Ended December 31, 2023
($ in thousands)	Corporate and Commercial Specialty		Community, Consumer and Business		Risk Management and Shared Services		Consolidated Corporation
Wealth management fees	$	—	$	82,502	$	—	$	82,502
Service charges and deposit account fees	10,191		38,831		23		49,045
Card-based fees(a)	1,348		43,745		28		45,121
Other revenue	959		8,168		764		9,891
Noninterest income (in-scope of Topic 606)	$	12,498	$	173,246	$	815	$	186,560
Noninterest income (loss) (out-of-scope of Topic 606)	39,407		20,702		(183,486)		(123,377)
Total noninterest income (loss)	$	51,905	$	193,948	$	(182,671)	$	63,182
(a) Loan fees and certain card based fees are out-of-scope of Topic 606.


	For the Year Ended December 31, 2022
($ in thousands)	Corporate and Commercial Specialty		Community, Consumer and Business		Risk Management and Shared Services		Consolidated Corporation
Wealth management fees	$	—	$	84,122	$	—	$	84,122
Service charges and deposit account fees	12,479		49,813		18		62,310
Card-based fees(a)	1,104		42,917		111		44,132
Other revenue	1,734		8,299		1,356		11,389
Noninterest income (in-scope of Topic 606)	$	15,317	$	185,151	$	1,485	$	201,953
Noninterest income (out-of-scope of Topic 606)	43,621		20,510		16,286		80,417
Total noninterest income	$	58,938	$	205,660	$	17,772	$	282,370
(a) Loan fees and certain card based fees are out-of-scope of Topic 606.

Long-Duration Contracts Revenue Recognition, Policy [Policy Text Block]

Below is a listing of performance obligations for the Corporation's main revenue streams:


Revenue Stream						Noninterest Income In-Scope of Topic 606

Service charges and deposit account fees						Service 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 is 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 and advisory fees(b)						Brokerage and advisory 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. Payment for these services is 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 and advisory fees are included in wealth management fees.