Income Taxes (Tables)

12 Months Ended

Dec. 31, 2014

Income Taxes [Abstract]

Current and Deferred Income Tax Expense (Benefit)

		Years Ended December 31,
		2014		2013		2012
		($ in Thousands)
Current:
	Federal	$	74,646	$	50,628	$	19,724
	State		1,000		2,653		1,468
Total current			75,646		53,281		21,192
Deferred:
	Federal		(805)		16,409		41,908
	State		10,695		9,511		12,386
Total deferred			9,890		25,920		54,294
Total income tax expense		$	85,536	$	79,201	$	75,486

Schedule of Deferred Tax Assets and Liabilities

		2014		2013
		($ in Thousands)
Deferred tax assets:
	Allowance for loan losses	$	99,219	$	102,632
	Allowance for other losses		11,609		16,102
	Accrued liabilities		5,773		6,248
	Deferred compensation		31,392		28,911
	Securities valuation adjustment		-		1,724
	State net operating losses		22,640		32,552
	Nonaccrual interest		2,383		4,431
	Other		7,929		9,286
Total deferred tax assets			180,945		201,886
Deferred tax liabilities:
	FHLB stock dividends		6,367		6,425
	Prepaid expenses		68,955		61,225
	Goodwill		24,049		22,472
	Mortgage banking activities		13,147		14,497
	Deferred loan fee income		21,199		25,480
	State deferred taxes		9,011		12,754
	Lease financing		2,313		2,525
	Bank premises and equipment		9,532		18,423
	Other		5,501		7,324
Total deferred tax liabilities			160,074		171,125
Net deferred tax assets			20,871		30,761
Tax effect of unrealized (gain) loss related to available for sale securities			(10,902)		7,685
Tax effect of unrealized loss related to pension and postretirement benefits			14,468		8,024
			3,566		15,709
Net deferred tax assets including items with tax effect recorded directly to OCI		$	24,437	$	46,470

Schedule of Effective Income Tax Rate Reconciliation

		2014		2013		2012
Federal income tax rate at statutory rate		35.0	%	35.0	%	35.0	%
Increases (decreases) resulting from:
	Tax-exempt interest and dividends	(4.6)		(4.5)		(4.9)
	State income taxes (net of federal benefit)	2.8		2.9		3.6
	Bank owned life insurance	(1.7)		(1.5)		(1.9)
	Federal tax credits	(1.4)		(1.0)		(1.2)
	Tax reserve adjustments	0.7		(1.9)		(1.8)
	Other	0.2		0.6		0.9
Effective income tax rate		31.0	%	29.6	%	29.7	%

Summary Unrecognized Tax Benefits

	2014		2013
	($ in Millions)
Balance at beginning of year	$	6	$	13
Additions for tax positions related to prior years		1		-
Additions for tax positions related to current year		2		1
Statute expiration		-		(8)
Balance at end of year	$	9	$	6