Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2017

Segment Reporting [Abstract]

Selected segment information

Information about the Corporation’s segments is presented below.

Segment Income Statement Data
	Corporate and Commercial Specialty			Community, Consumer, and Business			Risk Management and Shared Services			Consolidated Total
For the Years Ended December 31,	($ in Thousands)
2017
Net interest income	$	357,051		$	361,361		$	22,808		$	741,220
Noninterest income	52,297			266,250			14,133			332,680
Total revenue	409,348			627,611			36,941			1,073,900
Credit provision (a)	42,298			20,400			(36,698		)	26,000
Noninterest expense	156,890			490,908			61,335			709,133
Income before income taxes	210,160			116,303			12,304			338,767
Income tax expense (benefit)	71,655			40,706			(2,858		)	109,503
Net income	$	138,505		$	75,597		$	15,162		$	229,264
Return on average allocated capital (ROCET1) (b)	12.4		%	12.9		%	1.4		%	10.4		%
2016
Net interest income	$	328,603		$	350,551		$	28,119		$	707,273
Noninterest income	47,776			277,942			27,165			352,883
Total revenue	376,379			628,493			55,284			1,060,156
Credit provision (a)	50,397			24,185			(4,582		)	70,000
Noninterest expense	148,493			502,285			51,782			702,560
Income before income taxes	177,489			102,023			8,084			287,596
Income tax expense (benefit)	59,261			35,708			(7,647		)	87,322
Net income	$	118,228		$	66,315		$	15,731		$	200,274
Return on average allocated capital (ROCET1) (b)	11.0		%	10.5		%	2.8		%	9.9		%
2015
Net interest income	$	310,072		$	349,134		$	17,072		$	676,278
Noninterest income	46,742			265,503			17,112			329,357
Total revenue	356,814			614,637			34,184			1,005,635
Credit provision (a)	41,913			25,614			(30,027		)	37,500
Noninterest expense	141,912			492,284			64,151			698,347
Income before income taxes	172,989			96,739			60			269,788
Income tax expense	59,200			33,859			(11,572		)	81,487
Net income	$	113,789		$	62,880		$	11,632		$	188,301
Return on average allocated capital (ROCET1) (b)	11.6		%	9.8		%	2.1		%	9.9		%

Segment Balance Sheet Data
	Corporate and Commercial Specialty		Community, Consumer, and Business		Risk Management and Shared Services		Consolidated Total
	($ in Thousands)
Average Balances
2017
Average earning assets	$	10,820,998	$	9,456,549	$	6,722,337	$	26,999,884
Average loans	10,811,827		9,452,253		328,303		20,592,383
Average deposits	6,938,913		11,711,407		3,273,282		21,923,602
Average allocated capital (CET1) (b)	$	1,117,761	$	586,417	$	405,281	$	2,109,459
2016
Average earning assets	$	10,178,813	$	9,309,028	$	6,538,820	$	26,026,661
Average loans	10,169,300		9,307,723		173,644		19,650,667
Average deposits	5,904,238		11,451,759		3,649,775		21,005,772
Average allocated capital (CET1) (b)	$	1,070,598	$	629,540	$	240,253	$	1,940,391
2015
Average earning assets	$	9,383,971	$	8,810,015	$	6,377,101	$	24,571,087
Average loans	9,374,191		8,809,673		68,400		18,252,264
Average deposits	5,856,530		10,898,602		3,147,955		19,903,087
Average allocated capital (CET1) (b)	$	977,406	$	640,181	$	216,010	$	1,833,597

(a) The consolidated credit provision is equal to the actual reported provision for credit losses.

(b)

The Federal Reserve establishes capital adequacy requirements for the Corporation. Average allocated capital represents average common equity Tier 1, as defined by the Federal Reserve. For segment reporting purposes, the ROCET1, a non-GAAP financial measure, reflects return on average allocated common equity Tier 1 (“CET1”). The ROCET1 for the Risk Management and Shared Services segment and the Consolidated Total is inclusive of the annualized effect of the preferred stock dividends.