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Revenues (Tables)
12 Months Ended
Dec. 31, 2022
Revenue Recognition [Abstract]  
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)202220212020
Wealth management fees$84,122 $89,854 $83,570 
Service charges and deposit account fees13,240 15,880 14,639 
Card-based fees(a)
1,547 1,397 1,098 
Other revenue2,964 3,208 3,476 
 Noninterest Income (in-scope of Topic 606) $101,873 $110,340 $102,783 
Noninterest Income (out-of-scope of Topic 606)43,878 55,004 41,491 
 Total Noninterest Income $145,751 $165,345 $144,274 
Community, Consumer, and Business
For the Years Ended December 31,
($ in Thousands)202220212020
Wealth management fees$— $— $1,387 
Service charges and deposit account fees49,052 48,493 41,637 
Card-based fees(a)
42,474 41,730 37,259 
Other revenue(b)
7,046 10,719 64,274 
 Noninterest Income (in-scope of Topic 606) $98,572 $100,942 $144,558 
Noninterest Income (out-of-scope of Topic 606)20,276 50,532 46,249 
 Total Noninterest Income $118,848 $151,474 $190,808 
Risk Management and Shared Services
For the Years Ended December 31,
($ in Thousands)202220212020
Service charges and deposit account fees$18 $32 $31 
Card-based fees(a)
111 (3)247 
Other revenue1,379 967 (1,542)
 Noninterest Income (in-scope of Topic 606) $1,508 $996 $(1,264)
Noninterest Income (out-of-scope of Topic 606)(c)
16,263 14,550 180,238 
 Total Noninterest Income $17,772 $15,546 $178,974 
Consolidated Total
For the Years Ended December 31,
($ in Thousands)202220212020
Wealth management fees$84,122 $89,854 $84,957 
Service charges and deposit account fees62,310 64,406 56,307 
Card-based fees(a)
44,132 43,124 38,605 
Other revenue(b)
11,389 14,894 66,208 
 Noninterest Income (in-scope of Topic 606) $201,953 $212,278 $246,077 
Noninterest Income (out-of-scope of Topic 606)(c)
80,417 120,086 267,979 
 Total Noninterest Income $282,370 $332,364 $514,056 
(a) Certain card-based fees are out-of-scope of Topic 606.
(b) Includes insurance commissions and fees, which were elevated prior to the sale of ABRC.
(c) The year ended December 31, 2020 includes a pre-tax gain of $163 million from the sale of ABRC.
Revenue Recognition 606 [Text Block]
Below is a listing of performance obligations for the Corporation's main revenue streams:
Revenue StreamNoninterest income in-scope of Topic 606
Service charges and deposit account feesService 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 is 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.