Revenue from Contracts with Customers Revenue from Contracts with Customers (Tables)

12 Months Ended

Dec. 31, 2018

Revenue from Contract with Customer [Abstract]

Reclassification of Bank Card Transaction Fees [Table Text Block]

The Company has concluded that the new guidance did not require any significant change to its revenue recognition processes. However, application of the new guidance resulted in a reclassification of certain bank card related network and rewards costs, previously classified as non-interest expense, to a reduction to non-interest income in the Company’s consolidated statements of income. The reclassification had no effect on prior period net income or net income per share. The Company adopted ASU 2014-09 on a full retrospective basis, in which each prior reporting period has been presented in accordance with the new guidance.

The table below shows the effect of this reclassification on bank card fee income and non-interest expense for the years ended December 31, 2017 and 2016.

	For the year ended December 31, 2017							For the Year Ended December 31, 2016
(In thousands)	As Previously Reported		Adoption of ASU 2014-09			As Adjusted		As Previously Reported		Adoption of ASU 2014-09			As Adjusted
Non-interest income:
Bank card transaction fees	$	180,441	$	(25,341	)	$	155,100	$	181,879	$	(27,836	)	$	154,043
Total non-interest income	486,604		(25,341		)	461,263		474,392		(27,836		)	446,556
Non-interest expense:
Data processing and software	$	92,246	$	(11,248	)	$	80,998	$	92,722	$	(13,133	)	$	79,589
Other	77,459		(14,093		)	63,366		74,202		(14,703		)	59,499
Total non-interest expense	769,684		(25,341		)	744,343		717,065		(27,836		)	689,229

Disaggregation of Revenue [Table Text Block]

The following table disaggregates non-interest income subject to ASU 2014-09 by major product line.

	For the Year Ended December 31
(In thousands)	2018		2017		2016
Bank card transaction fees	$	171,576	$	155,100	$	154,043
Trust fees	147,964		135,159		121,795
Deposit account charges and other fees	94,517		90,060		86,394
Consumer brokerage services	15,807		14,630		13,784
Other non-interest income	37,440		30,128		31,326
Total non-interest income from contracts with customers	467,304		425,077		407,342
Other non-interest income (a)	34,037		36,186		39,214
Total non-interest income	$	501,341	$	461,263	$	446,556

(a) This revenue is not within the scope of ASU 2014-09, and includes fees relating to capital market activities, loan fees and sales, derivative instruments, standby letters of credit and various other transactions.

Contract with Customer, Asset and Liability [Table Text Block]

The following table presents the opening and closing receivable balances for the years ended December 31, 2018 and 2017 for the Company’s significant revenue categories subject to ASU 2014-09.

(In thousands)	December 31, 2018		December 31, 2017		December 31, 2016
Bank card transaction fees	$	13,035	$	13,315	$	14,686
Trust fees	2,721		2,802		2,681
Deposit account charges and other fees	6,107		5,597		5,735
Consumer brokerage services	559		380		309

Bank Card Transaction Fees [Table Text Block]

The following table presents the components of bank card fee income.

	For the Years Ended December 31
(In thousands)	2018			2017			2016
Debit card:
Fee income	$	41,522		$	40,134		$	39,430
Expense for network charges	(1,784		)	(4,498		)	(5,989		)
Net debit card fees	39,738			35,636			33,441
Credit card:
Fee income	26,799			25,275			24,650
Expense for network charges and rewards	(13,834		)	(10,699		)	(9,816		)
Net credit card fees	12,965			14,576			14,834
Corporate card:
Fee income	199,651			179,642			166,576
Expense for network charges and rewards	(100,011		)	(94,823		)	(83,851		)
Net corporate card fees	99,640			84,819			82,725
Merchant:
Fee income	30,241			31,863			37,407
Fees to cardholder banks	(7,831		)	(8,228		)	(9,585		)
Expense for network charges	(3,177		)	(3,566		)	(4,779		)
Net merchant fees	19,233			20,069			23,043
Total bank card transaction fees	$	171,576		$	155,100		$	154,043

The majority of debit and credit card fees are reported in the Consumer segment, while corporate card and merchant fees are reported in the Commercial segment.

Trust Fees [Table Text Block]

The following table shows the components of revenue within trust fees.

	For the Years Ended December 31
(In thousands)	2018		2017		2016
Private client	$	111,533	$	100,358	$	90,992
Institutional	29,241		27,477		24,565
Other	7,190		7,324		6,238
Total trust fees	$	147,964	$	135,159	$	121,795

This revenue is reported in the Wealth segment.

Deposit Account Charges and Other Fees [Table Text Block]

The following table shows the components of revenue within deposit account charges and other fees.

	For the Years Ended December 31
(In thousands)	2018		2017		2016
Corporate cash management fees	$	38,468	$	36,044	$	36,131
Overdraft and return item fees	31,468		30,576		29,350
Other service charges on deposit accounts	24,581		23,440		20,913
Total deposit account charges and other fees	$	94,517	$	90,060	$	86,394

Approximately half of this revenue is reported in the Consumer segment, while the remainder is reported in the Commercial segment.        

Consumer Brokerage Services Revenue [Table Text Block]

The following shows the components of revenue within consumer brokerage services.

	For the Years Ended December 31
(In thousands)	2018		2017		2016
Commission income	$	8,956	$	8,400	$	8,170
Managed account services	6,851		6,230		5,614
Total consumer brokerage services	$	15,807	$	14,630	$	13,784

Nearly all of this revenue is reported in the Company's Wealth segment.