| Selected segment information |
| | | | | | | | | | | | | | | | | Segment Income Statement Data | | | | | | | | ($ in Thousands) | Corporate and Commercial Specialty | | Community, Consumer, and Business | | Risk Management and Shared Services | | Consolidated Total | Three Months Ended March 31, 2015 | | | | | Net interest income | $ | 75,691 |
| | $ | 86,357 |
| | $ | 5,765 |
| | $ | 167,813 |
| Noninterest income | 12,613 |
| | 65,514 |
| | 1,949 |
| | 80,076 |
| Total revenue | 88,304 |
| | 151,871 |
| | 7,714 |
| | 247,889 |
| Credit provision * | 9,526 |
| | 7,071 |
| | (12,097 | ) | | 4,500 |
| Noninterest expense | 34,460 |
| | 118,543 |
| | 21,252 |
| | 174,255 |
| Income (loss) before income taxes | 44,318 |
| | 26,257 |
| | (1,441 | ) | | 69,134 |
| Income tax expense (benefit) | 15,368 |
| | 9,190 |
| | (2,096 | ) | | 22,462 |
| Net income | $ | 28,950 |
| | $ | 17,067 |
| | $ | 655 |
| | $ | 46,672 |
| Return on average allocated capital (ROT1CE) ** | 12.5 | % | | 10.7 | % | | (1.1 | )% | | 10.2 | % | Three Months Ended March 31, 2014 | | | | | | | | Net interest income | $ | 74,065 |
| | $ | 72,251 |
| | $ | 18,657 |
| | $ | 164,973 |
| Noninterest income | 11,854 |
| | 55,829 |
| | 5,838 |
| | 73,521 |
| Total revenue | 85,919 |
| | 128,080 |
| | 24,495 |
| | 238,494 |
| Credit provision * | 13,032 |
| | 4,948 |
| | (12,980 | ) | | 5,000 |
| Noninterest expense | 35,721 |
| | 111,199 |
| | 20,738 |
| | 167,658 |
| Income before income taxes | 37,166 |
| | 11,933 |
| | 16,737 |
| | 65,836 |
| Income tax expense | 13,008 |
| | 4,176 |
| | 3,453 |
| | 20,637 |
| Net income | $ | 24,158 |
| | $ | 7,757 |
| | $ | 13,284 |
| | $ | 45,199 |
| Return on average allocated capital (ROT1CE) ** | 11.0 | % | | 5.9 | % | | 10.2 | % | | 9.4 | % | Segment Balance Sheet Data | | | | | | | | ($ in Thousands) | Corporate and Commercial Specialty | | Community, Consumer, and Business | | Risk Management and Shared Services | | Consolidated Total | Average Balances for 1Q 2015 | | | | | | | | Average earning assets | $ | 9,218,844 |
| | $ | 8,525,399 |
| | $ | 6,403,783 |
| | $ | 24,148,026 |
| Average loans | 9,210,992 |
| | 8,525,399 |
| | 78,724 |
| | 17,815,115 |
| Average deposits | 5,421,541 |
| | 10,522,618 |
| | 3,111,037 |
| | 19,055,196 |
| Average allocated capital (T1CE) ** | $ | 942,764 |
| | $ | 647,375 |
| | $ | 214,078 |
| | $ | 1,804,217 |
| Average Balances for 1Q 2014 | | | | | | | | Average earning assets | $ | 8,850,984 |
| | $ | 7,230,394 |
| | $ | 5,811,125 |
| | $ | 21,892,503 |
| Average loans | 8,843,070 |
| | 7,230,394 |
| | 91,153 |
| | 16,164,617 |
| Average deposits | 5,241,027 |
| | 9,539,887 |
| | 2,209,358 |
| | 16,990,272 |
| Average allocated capital (T1CE) ** | $ | 886,927 |
| | $ | 535,752 |
| | $ | 476,856 |
| | $ | 1,899,535 |
|
| | | * | The consolidated credit provision is equal to the actual reported provision for credit losses. |
| | | ** | The Federal Reserve establishes capital adequacy requirements for the Corporation, including Tier 1 capital. Tier 1 capital is comprised of common capital and certain redeemable, non-cumulative preferred stock. Average allocated capital represents average Tier 1 common equity which is defined as average Tier 1 capital excluding qualifying perpetual preferred stock and qualifying trust preferred securities. This is a non-GAAP financial measure. For segment reporting purposes, the ROT1CE reflects return on average allocated Tier 1 common equity ("T1CE"). The ROT1CE for the Risk Management and Shared Services segment and the Consolidated Total is inclusive of the annualized effect of the preferred stock dividends. |
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