Segment information (Tables)

9 Months Ended

Sep. 30, 2018

Information about the Company's segments is presented in the following table:

	Three Months Ended September 30
	2018							2017
	Total Revenues(a)		Inter- segment Revenues			Net Income (Loss)		Total Revenues(a)		Inter- segment Revenues			Net Income (Loss)
	(In thousands)

Business Banking	$	138,898		920			43,730	$	130,501		919			31,408
Commercial Banking		280,671		875			147,910		267,822		840			109,797
Commercial Real Estate		214,266		371			116,386		212,014		401			97,295
Discretionary Portfolio		53,061		(10,270	)		39,723		65,808		(12,346	)		31,515
Residential Mortgage Banking		79,603		15,402			13,289		90,018		18,866			13,546
Retail Banking		427,452		2,862			141,612		392,542		2,668			96,329
All Other		294,381		(10,160	)		23,441		257,858		(11,348	)		(23,967	)
Total	$	1,488,332		—			526,091	$	1,416,563		—			355,923

	Nine Months Ended September 30
	2018								2017
	Total Revenues(a)		Inter- segment Revenues			Net Income (Loss)			Total Revenues(a)		Inter- segment Revenues			Net Income (Loss)
	(In thousands)

Business Banking	$	402,811		2,750			124,455		$	375,816		2,836			85,146
Commercial Banking		816,566		2,653			399,766			818,846		2,603			328,211
Commercial Real Estate		622,414		1,096			337,380			604,437		1,165			269,113
Discretionary Portfolio		162,075		(31,656	)		88,575			216,798		(37,670	)		95,200
Residential Mortgage Banking		244,228		46,870			43,637			264,120		55,221			37,206
Retail Banking		1,241,468		8,434			408,081			1,144,964		8,760			282,614
All Other		899,184		(30,147	)		(30,033	)		751,703		(32,915	)		(11,587	)
Total	$	4,388,746		—			1,371,861		$	4,176,684		—			1,085,903

13. Segment information, continued

	Average Total Assets
	Nine Months Ended September 30				Year Ended December 31
	2018		2017		2017
	(In millions)

Business Banking	$	5,637		5,596		5,602
Commercial Banking		26,524		26,699		26,573
Commercial Real Estate		22,899		22,800		22,741
Discretionary Portfolio		32,659		37,807		37,203
Residential Mortgage Banking		2,123		2,335		2,355
Retail Banking		13,522		12,519		12,702
All Other		13,312		13,317		13,684
Total	$	116,676		121,073		120,860

(a)

Total revenues are comprised of net interest income and other income. Net interest income is the difference between taxable-equivalent interest earned on assets and interest paid on liabilities owed by a segment and a funding charge (credit) based on the Company's internal funds transfer and allocation methodology. Segments are charged a cost to fund any assets (e.g. loans) and are paid a funding credit for any funds provided (e.g. deposits). The taxable-equivalent adjustment aggregated $5,733,000 and $8,828,000 for the three-month periods ended September 30, 2018 and 2017, respectively, and $15,939,000 and $25,563,000 for the nine-month periods ended September 30, 2018 and 2017, respectively, and is eliminated in "All Other" total revenues. Intersegment revenues are included in total revenues of the reportable segments. The elimination of intersegment revenues is included in the determination of "All Other" total revenues.