Segment Reporting (Tables)

6 Months Ended

Jun. 30, 2018

Segment Reporting Information [Line Items]

Selected segment information

Information about the Corporation’s segments is presented below.

Segment Income Statement Data
($ in Thousands)	Corporate and Commercial Specialty			Community, Consumer, and Business			Risk Management and Shared Services			Consolidated Total
Six Months Ended June 30, 2018
Net interest income	$	203,287		$	218,163		$	14,783		$	436,233
Noninterest income	26,876			150,286			6,059			183,222
Total revenue	230,163			368,449			20,842			619,455
Credit provision(a)	21,723			9,846			(27,569		)	4,000
Noninterest expense	81,025			265,700			77,498			424,223
Income (loss) before income taxes	127,415			92,904			(29,087		)	191,232
Income tax expense (benefit)	24,880			19,510			(11,806		)	32,583
Net income	$	102,535		$	73,394		$	(17,280	)	$	158,648
Return on average allocated capital (ROCET1)(b)	17.2		%	22.8		%	(7.5		)%	12.7		%
Six Months Ended June 30, 2017
Net interest income	$	179,259		$	179,059		$	5,775		$	364,093
Noninterest income	24,490			130,679			7,072			162,241
Total revenue	203,749			309,738			12,847			526,334
Credit provision(a)	23,050			10,271			(12,321		)	21,000
Noninterest expense	76,897			241,339			31,771			350,007
Income (loss) before income taxes	103,802			58,128			(6,603		)	155,327
Income tax expense (benefit)	34,012			20,345			(13,283		)	41,074
Net income	$	69,790		$	37,783		$	6,680		$	114,253
Return on average allocated capital (ROCET1)(b)	12.6		%	13.1		%	1.1		%	10.6		%

Segment Balance Sheet Data
($ in Thousands)	Corporate and Commercial Specialty		Community, Consumer, and Business		Risk Management and Shared Services		Consolidated Total
Average balances for YTD June 2018
Average earning assets	$	11,729,745	$	10,271,021	$	7,849,775	$	29,850,541
Average loans	11,718,236		10,267,066		559,238		22,544,539
Average deposits	7,838,409		13,418,283		2,391,868		23,648,560
Average allocated capital (CET1)(b)	$	1,204,160	$	648,032	$	587,297	$	2,439,489
Average balances for YTD June 2017
Average earning assets	$	10,807,106	$	9,321,564	$	6,414,384	$	26,543,054
Average loans	10,797,831		9,319,719		181,049		20,298,599
Average deposits	6,433,870		11,456,200		3,604,524		21,494,594
Average allocated capital (CET1)(b)	$	1,120,082	$	582,706	$	378,104	$	2,080,892

(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, including common equity Tier 1. For segment reporting purposes, the return on common equity Tier 1 ("ROCET1") reflects return on average allocated common equity Tier 1. 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.

Segment Income Statement Data
($ in Thousands)	Corporate and Commercial Specialty			Community, Consumer, and Business			Risk Management and Shared Services			Consolidated Total
Three Months Ended June 30, 2018
Net interest income	$	107,330		$	114,620		$	4,413		$	226,362
Noninterest income	14,194			76,250			2,399			92,842
Total revenue	121,524			190,870			6,812			319,204
Credit provision(a)	11,126			4,880			(12,006		)	4,000
Noninterest expense	41,775			138,553			30,929			211,258
Income (loss) before income taxes	68,623			47,437			(12,111		)	103,947
Income tax expense (benefit)	13,454			9,962			(8,661		)	14,754
Net income (loss)	$	55,169		$	37,475		$	(3,450	)	$	89,192
Return on average allocated capital (ROCET1)(b)	17.9		%	22.7		%	(3.9		)%	14.0		%
Three Months Ended June 30, 2017
Net interest income	$	89,871		$	90,131		$	3,817		$	183,819
Noninterest income	12,497			65,809			4,104			82,410
Total revenue	102,368			155,940			7,921			266,229
Credit provision(a)	11,470			5,764			(5,234		)	12,000
Noninterest expense	39,418			125,242			11,656			176,316
Income (loss) before income taxes	51,480			24,934			1,499			77,913
Income tax expense (benefit)	16,363			8,727			(5,160		)	19,930
Net income	$	35,117		$	16,207		$	6,659		$	57,983
Return on average allocated capital (ROCET1)(b)	12.5		%	11.0		%	4.5		%	10.6		%

Segment Balance Sheet Data
($ in Thousands)	Corporate and Commercial Specialty		Community, Consumer, and Business		Risk Management and Shared Services		Consolidated Total
Three Months Ended June 30, 2018
Average earning assets	$	12,066,538	$	10,402,680	$	7,943,487	$	30,412,705
Average loans	12,054,347		10,399,458		551,624		23,005,428
Average deposits	7,621,977		13,736,251		2,288,021		23,646,250
Average allocated capital (CET1)(b)	$	1,236,918	$	663,172	$	588,411	$	2,488,501
Three Months Ended June 30, 2017
Average earning assets	$	10,853,881	$	9,510,571	$	6,380,103	$	26,744,555
Average loans	10,841,858		9,508,683		171,449		20,521,990
Average deposits	6,447,190		11,574,028		3,501,931		21,523,149
Average allocated capital (CET1)(b)	$	1,125,494	$	588,880	$	385,451	$	2,099,825

(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, including common equity Tier 1. For segment reporting purposes, the ROCET1 reflects return on average allocated common equity Tier 1. 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.