Revenues (Tables)

12 Months Ended

Dec. 31, 2019

Disaggregation of Revenue [Table Text Block]

The Corporation's disaggregated revenue by major source is presented below:


	Corporate and Commercial Specialty
	For the Years Ended December 31,
($ in Thousands)	2019		2018		2017


Service charges and deposit account fees	$	12,883	$	14,981	$	16,006
Card-based fees^(a)	1,373		1,334		1,125
Other revenue	1,002		694		811
Noninterest Income (in-scope of Topic 606)	$	15,258	$	17,009	$	17,941
Noninterest Income (out-of-scope of Topic 606)	38,024		35,311		34,355
Total Noninterest Income	$	53,282	$	52,321	$	52,297


	Community, Consumer, and Business
	For the Years Ended December 31,
($ in Thousands)	2019		2018		2017
Insurance commissions and fees	$	89,091	$	89,472	$	81,468
Wealth management fees^(b)	83,467		82,341		70,126
Service charges and deposit account fees	50,203		51,025		48,344
Card-based fees^(a)	38,349		38,439		33,849
Other revenue	10,952		11,087		10,095
Noninterest Income (in-scope of Topic 606)	$	272,062	$	272,363	$	243,883
Noninterest Income (out-of-scope of Topic 606)	35,687		23,284		22,367
Total Noninterest Income	$	307,750	$	295,647	$	266,250


	Risk Management and Share Services
	For the Years Ended December 31,
($ in Thousands)	2019		2018		2017
Insurance commissions and fees	$	13	$	39	$	6
Wealth management fees^(b)	—		222		—
Service charges and deposit account fees	49		69		77
Card-based fees^(a)	190		37		23
Other revenue	675		345		245
Noninterest Income (in-scope of Topic 606)	$	926	$	712	$	351
Noninterest Income (out-of-scope of Topic 606)	18,866		6,889		13,783
Total Noninterest Income	$	19,793	$	7,600	$	14,133


	Consolidated Total
	For the Years Ended December 31,
($ in Thousands)	2019		2018		2017
Insurance commissions and fees	$	89,104	$	89,511	$	81,474
Wealth management fees^(b)	83,467		82,562		70,126
Service charges and deposit account fees	63,135		66,075		64,427
Card-based fees^(a)	39,912		39,810		34,997
Other revenue	12,629		12,126		11,151
Noninterest Income (in-scope of Topic 606)	$	288,247	$	290,084	$	262,175
Noninterest Income (out-of-scope of Topic 606)	92,577		65,484		70,505
Total Noninterest Income	$	380,824	$	355,568	$	332,680

(a) Certain card-based fees are out-of-scope of Topic 606.

(b) Includes trust, asset management, brokerage, and annuity fees.

Revenue Recognition 606 [Text Block]

Below is a listing of performance obligations for the Corporation's main revenue streams:


Revenue Stream						Noninterest income in-scope of Topic 606
Insurance commissions and fees						The Corporation's insurance revenue has two distinct performance obligations. The first performance obligation is the selling of the policy as an agent for the carrier. This performance obligation is satisfied upon binding of the policy. The second performance obligation is the ongoing servicing of the policy which is satisfied over the life of the policy. For employee benefits, the payment is typically received monthly. For property and casualty, payments can vary, but are typically received at, or in advance, of the policy period.
Service charges and deposit account fees						Service charges on deposit accounts consist of monthly service fees (i.e. business analysis fees and consumer service charges) and other deposit account related fees. The Corporation's performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Other deposit account related fees are largely transactional based, and therefore, the Corporation's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to the customers’ accounts.
Card-based fees^(a)						Card-based fees are primarily comprised of debit and credit card income, ATM fees, and merchant services income. Debit and credit card income is primarily comprised of interchange fees earned whenever the Corporation's debit and credit cards are processed through card payment networks. ATM and merchant fees are largely transactional based, and therefore, the Corporation's performance obligation is satisfied, and related revenue recognized, at a point in time. Payment is typically received immediately or in the following month.
Trust and asset management fees^(b)						Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Corporation's performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to the customers’ accounts. The Corporation's performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered.
Brokerage and advisory fees^(b)						Brokerage and advisory fees primarily consists of investment advisory, brokerage, retirement services, and annuities. The Corporation's performance obligation for investment advisory services and retirement services is generally satisfied, and the related revenue recognized, over the period in which the services are provided. The performance obligation for annuities is satisfied upon sale of the annuity, and therefore, the related revenue is primarily recognized at the time of sale. Payment for these services are typically received immediately or in advance of the service.

(a) Certain card-based fees are out-of-scope of Topic 606.

(b) Trust and asset management fees and brokerage and advisory fees are included in wealth management fees.