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BUSINESS SEGMENTS (Tables) | 9 Months Ended
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Sep. 30, 2011
BUSINESS SEGMENTS [Abstract] |
Operating results and key financial measures for operating segments | The following tables present the operating results and other key financial measures for the individual operating segments for the three and nine months ended September 30, 2011 and 2010:
|  | Three Months Ended September 30, 2011 |
|  | Retail |  |  | Commercial |  |  |  |  |  |  |
|  | Banking |  |  | Lending |  |  | Other |  |  | Total |
|  | (In thousands) |
Interest income |  | $ | 88,189 |  |  | $ | 166,789 |  |  | $ | 27,763 |  |  | $ | 282,741 |
Charge for funds used |  |  | (22,394 | ) |  |  | (33,575 | ) |  |  | 2,257 |  |  |  | (53,712 | )
Interest spread on funds used |  |  | 65,795 |  |  |  | 133,214 |  |  |  | 30,020 |  |  |  | 229,029 |
Interest expense |  |  | (21,407 | ) |  |  | (9,248 | ) |  |  | (14,304 | ) |  |  | (44,959 | )
Credit on funds provided |  |  | 46,480 |  |  |  | 3,291 |  |  |  | 3,941 |  |  |  | 53,712 |
Interest spread on funds provided |  |  | 25,073 |  |  |  | (5,957 | ) |  |  | (10,363 | ) |  |  | 8,753 |
Net interest income |  | $ | 90,868 |  |  | $ | 127,257 |  |  | $ | 19,657 |  |  | $ | 237,782 |
Provision for loan losses |  | $ | (11,185 | ) |  | $ | (10,815 | ) |  | $ | - |  |  | $ | (22,000 | )
Depreciation, amortization and accretion |  |  | (6,815 | ) |  |  | (2,912 | ) |  |  | (6,943 | ) |  |  | (16,670 | )
Goodwill |  |  | 320,566 |  |  |  | 16,872 |  |  |  | - |  |  |  | 337,438 |
Segment pre-tax profit |  |  | 15,773 |  |  |  | 64,290 |  |  |  | 17,622 |  |  |  | 97,685 |
Segment assets |  |  | 6,230,680 |  |  |  | 10,345,990 |  |  |  | 5,236,376 |  |  |  | 21,813,046 |
|  | Three Months Ended September 30, 2010 |
|  | Retail |  |  | Commercial |  |  |  |  |  |  |
|  | Banking |  |  | Lending |  |  | Other |  |  | Total |
|  | (In thousands) |
Interest income |  | $ | 69,311 |  |  | $ | 143,729 |  |  | $ | 18,360 |  |  | $ | 231,400 |
Charge for funds used |  |  | (29,159 | ) |  |  | (46,446 | ) |  |  | 21,583 |  |  |  | (54,022 | )
Interest spread on funds used |  |  | 40,152 |  |  |  | 97,283 |  |  |  | 39,943 |  |  |  | 177,378 |
Interest expense |  |  | (26,851 | ) |  |  | (5,885 | ) |  |  | (15,859 | ) |  |  | (48,595 | )
Credit on funds provided |  |  | 48,391 |  |  |  | 2,431 |  |  |  | 3,200 |  |  |  | 54,022 |
Interest spread on funds provided |  |  | 21,540 |  |  |  | (3,454 | ) |  |  | (12,659 | ) |  |  | 5,427 |
Net interest income |  | $ | 61,692 |  |  | $ | 93,829 |  |  | $ | 27,284 |  |  | $ | 182,805 |
Provision for loan losses |  | $ | (26,261 | ) |  | $ | (12,387 | ) |  | $ | - |  |  | $ | (38,648 | )
Depreciation, amortization and accretion |  |  | (19,282 | ) |  |  | (46,469 | ) |  |  | (2,543 | ) |  |  | (68,294 | )
Goodwill |  |  | 320,566 |  |  |  | 16,872 |  |  |  | - |  |  |  | 337,438 |
Segment pre-tax (loss) profit |  |  | (18,021 | ) |  |  | 64,698 |  |  |  | 26,850 |  |  |  | 73,527 |
Segment assets |  |  | 6,450,883 |  |  |  | 9,728,305 |  |  |  | 4,238,058 |  |  |  | 20,417,246 |
|  | Nine Months Ended September 30, 2011 |
|  | Retail |  |  | Commercial |  |  |  |  |  |  |
|  | Banking |  |  | Lending |  |  | Other |  |  | Total |
|  | (In thousands) |
Interest income |  | $ | 270,943 |  |  | $ | 465,138 |  |  | $ | 75,463 |  |  | $ | 811,544 |
Charge for funds used |  |  | (72,073 | ) |  |  | (111,128 | ) |  |  | 2,759 |  |  |  | (180,442 | )
Interest spread on funds used |  |  | 198,870 |  |  |  | 354,010 |  |  |  | 78,222 |  |  |  | 631,102 |
Interest expense |  |  | (67,515 | ) |  |  | (23,236 | ) |  |  | (46,841 | ) |  |  | (137,592 | )
Credit on funds provided |  |  | 158,212 |  |  |  | 10,225 |  |  |  | 12,005 |  |  |  | 180,442 |
Interest spread on funds provided |  |  | 90,697 |  |  |  | (13,011 | ) |  |  | (34,836 | ) |  |  | 42,850 |
Net interest income |  | $ | 289,567 |  |  | $ | 340,999 |  |  | $ | 43,386 |  |  | $ | 673,952 |
Provision for loan losses |  | $ | (20,128 | ) |  | $ | (54,878 | ) |  | $ | - |  |  | $ | (75,006 | )
Depreciation, amortization and accretion |  |  | (34,941 | ) |  |  | (51,012 | ) |  |  | (14,129 | ) |  |  | (100,082 | )
Goodwill |  |  | 320,566 |  |  |  | 16,872 |  |  |  | - |  |  |  | 337,438 |
Segment pre-tax profit |  |  | 81,443 |  |  |  | 164,258 |  |  |  | 34,294 |  |  |  | 279,995 |
Segment assets |  |  | 6,230,680 |  |  |  | 10,345,990 |  |  |  | 5,236,376 |  |  |  | 21,813,046 |
|  | Nine Months Ended September 30, 2010 |
|  | Retail |  |  | Commercial |  |  |  |  |  |  |
|  | Banking |  |  | Lending |  |  | Other |  |  | Total |
|  | (In thousands) |
Interest income |  | $ | 269,453 |  |  | $ | 473,004 |  |  | $ | 61,179 |  |  | $ | 803,636 |
Charge for funds used |  |  | (87,078 | ) |  |  | (111,119 | ) |  |  | 11,406 |  |  |  | (186,791 | )
Interest spread on funds used |  |  | 182,375 |  |  |  | 361,885 |  |  |  | 72,585 |  |  |  | 616,845 |
Interest expense |  |  | (89,422 | ) |  |  | (19,015 | ) |  |  | (47,047 | ) |  |  | (155,484 | )
Credit on funds provided |  |  | 161,796 |  |  |  | 11,738 |  |  |  | 13,257 |  |  |  | 186,791 |
Interest spread on funds provided |  |  | 72,374 |  |  |  | (7,277 | ) |  |  | (33,790 | ) |  |  | 31,307 |
Net interest income |  | $ | 254,749 |  |  | $ | 354,608 |  |  | $ | 38,795 |  |  | $ | 648,152 |
Provision for loan losses |  | $ | (59,976 | ) |  | $ | (110,349 | ) |  | $ | - |  |  | $ | (170,325 | )
Depreciation, amortization and accretion |  |  | (50,669 | ) |  |  | (91,081 | ) |  |  | (5,363 | ) |  |  | (147,113 | )
Goodwill |  |  | 320,566 |  |  |  | 16,872 |  |  |  | - |  |  |  | 337,438 |
Segment pre-tax (loss) profit |  |  | (1,172 | ) |  |  | 106,165 |  |  |  | 65,210 |  |  |  | 170,203 |
Segment assets |  |  | 6,450,883 |  |  |  | 9,728,305 |  |  |  | 4,238,058 |  |  |  | 20,417,246 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 131 -Paragraph 27, 28 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599 + Details
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