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Segment Reporting (Tables)
3 Months Ended
Mar. 31, 2015
Segment Reporting [Abstract]  
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.