Segment Reporting (Tables)

6 Months Ended

Jun. 30, 2023

Operating Results And Total Assets Reportable Segments

The following tables present balance sheet information, including the appropriate allocations, for the Company's reportable segments and the Corporate and Reconciling category:


	At June 30, 2023
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Goodwill	$	2,029,204	$	57,485	$	544,776	$	—	$	2,631,465
Total assets	46,426,949		120,295		10,725,344		16,765,655		74,038,243

	At December 31, 2022
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Goodwill	$	1,904,291	$	57,779	$	552,034	$	—	$	2,514,104
Total assets	44,380,582		122,729		10,625,334		16,148,876		71,277,521

The following tables present operating results, including the appropriate allocations, for the Company’s reportable segments and the Corporate and Reconciling category:



	Three months ended June 30, 2023
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Net interest income	$	383,606	$	75,421	$	204,455	$	(79,653)	$	583,829
Non-interest income	32,255		23,023		28,877		5,219		89,374
Non-interest expense	110,582		42,643		108,880		81,984		344,089
Pre-tax, pre-provision net revenue	305,279		55,801		124,452		(156,418)		329,114
Provision for credit losses	34,480		—		769		(3,751)		31,498
Income before income taxes	270,799		55,801		123,683		(152,667)		297,616
Income tax expense	67,971		15,066		32,652		(53,041)		62,648
Net income	$	202,828	$	40,735	$	91,031	$	(99,626)	$	234,968



	Three months ended June 30, 2022
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Net interest income	$	333,421	$	49,558	$	179,287	$	(75,606)	$	486,660
Non-interest income	49,430		26,552		30,798		14,153		120,933
Non-interest expense	102,720		37,540		107,366		110,601		358,227
Pre-tax, pre-provision net revenue	280,131		38,570		102,719		(172,054)		249,366
Provision (benefit) for credit losses	22,782		—		(11,053)		514		12,243
Income before income taxes	257,349		38,570		113,772		(172,568)		237,123
Income tax expense	64,337		10,337		29,581		(49,443)		54,812
Net income	$	193,012	$	28,233	$	84,191	$	(123,125)	$	182,311



	Six months ended June 30, 2023
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Net interest income	$	767,920	$	147,151	$	415,038	$	(150,997)	$	1,179,112
Non-interest income	67,652		47,090		54,836		(9,438)		160,140
Non-interest expense	219,091		86,343		215,759		155,363		$	676,556
Pre-tax, pre-provision net revenue	616,481		$	107,898	254,115		(315,798)		662,696
Provision for credit losses	70,517		—		2,553		5,177		78,247
Income before income tax expense	545,964		107,898		251,562		(320,975)		584,449
Income tax expense	137,037		29,132		66,412		(104,104)		128,477
Net income	$	408,927	$	78,766	$	185,150	$	(216,871)	$	455,972



	Six months ended June 30, 2022
(In thousands)	Commercial Banking		HSA Bank		Consumer Banking		Corporate and Reconciling		Consolidated Total
Net interest income	$	620,490	$	94,135	$	315,964	$	(149,681)	$	880,908
Non-interest income	88,173		53,510		58,699		24,586		224,968
Non-interest expense	191,960		73,949		202,876		249,227		718,012
Pre-tax, pre-provision net revenue	516,703		73,696		171,787		(374,322)		387,864
Provision (benefit) for credit losses	204,713		—		(3,917)		292		201,088
Income before income tax expense	311,990		73,696		175,704		(374,614)		186,776
Income tax expense	74,392		19,751		45,634		(118,565)		21,212
Net income	$	237,598	$	53,945	$	130,070	$	(256,049)	$	165,564