Revenue from Contracts with Customers (Tables)

3 Months Ended

Mar. 31, 2021

Revenue Recognition [Abstract]

Disaggregation of revenue by Major source

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

	Corporate and Commercial Specialty
	Three Months Ended March 31,
($ in Thousands)	2021		2020
Wealth management fees	$	22,414	$	20,106
Service charges and deposit account fees	4,905		3,551
Card-based fees(a)	435		515
Insurance commissions and fees	24		76
Other revenue	685		788
Noninterest income (in-scope of Topic 606)	$	28,463	$	25,036
Noninterest income (out-of-scope of Topic 606)	14,568		13,697
Total noninterest income	$	43,031	$	38,733
	Community, Consumer, and Business
	Three Months Ended March 31,
($ in Thousands)	2021		2020
Wealth management fees	$	—	$	710
Service charges and deposit account fees	9,935		11,665
Card-based fees(a)	9,325		9,045
Insurance commissions and fees	50		22,529
Other revenue	3,579		2,286
Noninterest income (in-scope of Topic 606)	$	22,889	$	46,235
Noninterest income (out-of-scope of Topic 606)	23,239		7,115
Total noninterest income	$	46,128	$	53,350

	Risk Management and Shared Services
	Three Months Ended March 31,
($ in Thousands)	2021		2020
Service charges and deposit account fees	15		5
Card-based fees(a)	4		47
Insurance commissions and fees	2		3
Other revenue	389		23
Noninterest income (in-scope of Topic 606)	$	409	$	77
Noninterest income (out-of-scope of Topic 606)	5,775		6,146
Total noninterest income	$	6,184	$	6,223
	Consolidated Total
	Three Months Ended March 31,
($ in Thousands)	2021		2020
Wealth management fees	$	22,414	$	20,816
Service charges and deposit account fees	14,855		15,222
Card-based fees(a)	9,764		9,607
Insurance commissions and fees	76		22,608
Other revenue	4,653		3,096
Noninterest income (in-scope of Topic 606)	$	51,762	$	71,348
Noninterest income (out-of-scope of Topic 606)	43,581		26,958
Total noninterest income	$	95,343	$	98,306

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

Revenue recognition 606

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

Revenue Stream	Noninterest income in-scope of Topic 606
Service charges and deposit account fees	Service charges and deposit account fees consist of monthly service fees (i.e. business analyzed 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 and deposit account fees is primarily received immediately or in the following month through a direct charge to 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 consist 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.