Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2014

Segment Reporting [Abstract]

Segment Reporting

Our segment information for 2014, 2013 and 2012 is as follows:

(Dollars in thousands)	Global Commercial Bank (1)			SVB Private   Bank			SVB Capital  (1)			Other Items (2)			Total
Year ended December 31, 2014
Net interest income	$	742,274		$	31,427		$	58		$	82,836		$	856,595
Provision for loan losses	(58,622		)	(864		)	—			—			(59,486		)
Noninterest income	213,084			1,494			58,058			299,603			572,239
Noninterest expense (3)	(510,165		)	(10,571		)	(12,668		)	(183,467		)	(716,871		)
Income before income tax expense (4)	$	386,571		$	21,486		$	45,448		$	198,972		$	652,477
Total average loans, net of unearned income	$	10,286,448		$	1,157,024		$	—		$	59,469		$	11,502,941
Total average assets (5)	30,286,374			1,150,835			320,129			1,206,857			32,964,195
Total average deposits	27,364,246			890,062			—			66,517			28,320,825
Year ended December 31, 2013
Net interest income	$	641,384		$	26,701		$	20		$	29,239		$	697,344
(Provision for) reduction of loan losses	(65,290		)	1,597			—			—			(63,693		)
Noninterest income	202,404			1,209			75,037			394,556			673,206
Noninterest expense (3)	(429,650		)	(9,195		)	(10,737		)	(172,098		)	(621,680		)
Income before income tax expense (4)	$	348,848		$	20,312		$	64,320		$	251,697		$	685,177
Total average loans, net of unearned income	$	8,401,943		$	919,831		$	—		$	29,604		$	9,351,378
Total average assets (5)	21,395,501			955,441			289,328			570,477			23,210,747
Total average deposits	19,072,608			524,398			—			22,188			19,619,194
Year ended December 31, 2012
Net interest income	$	593,770		$	21,807		$	15		$	2,272		$	617,864
(Provision for) reduction of loan losses	(45,417		)	1,087			—			—			(44,330		)
Noninterest income	188,821			681			27,435			118,609			335,546
Noninterest expense (3)	(393,151		)	(7,388		)	(11,263		)	(134,196		)	(545,998		)
Income (loss) before income tax expense (4)	$	344,023		$	16,187		$	16,187		$	(13,315	)	$	363,082
Total average loans, net of unearned income	$	6,750,951		$	758,471		$	—		$	49,506		$	7,558,928
Total average assets (5)	19,557,289			759,251			239,335			755,297			21,311,172
Total average deposits	17,574,001			313,836			—			22,251			17,910,088

(1) Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interests for all periods presented. Noncontrolling interest is included within "Other Items".

(2) The "Other Items" column reflects the adjustments necessary to reconcile the results of the operating segments to the consolidated financial statements prepared in conformity with GAAP. Noninterest income is primarily attributable to noncontrolling interests and gains on equity warrant assets. Noninterest expense primarily consists of expenses associated with corporate support functions such as finance, human resources, marketing, legal and other expenses. Additionally, average assets primarily consist of cash and cash equivalents and loans from our Community Development Finance practice as part of our responsibilities under the Community Reinvestment Act.

(3) The Global Commercial Bank segment includes direct depreciation and amortization of $20.9 million, $18.7 million and $14.4 million for 2014, 2013 and 2012, respectively.

(4) The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.

(5) Total average assets equals the greater of total average assets or the sum of total liabilities and total stockholders’ equity for each segment.