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BUSINESS SEGMENTS (Tables)

9 Months Ended

Sep. 30, 2013

BUSINESS SEGMENTS

Operating results and key financial measures for operating segments

		Three Months Ended September 30, 2013
		Retail			Commercial
		Banking			Banking			Other			Total
		(In thousands)
Interest income		$	97,488		$	166,442		$	17,776		$	281,706
Charge for funds used		(23,351		)	(29,241		)	(15,270		)	(67,862		)
Interest spread on funds used		74,137			137,201			2,506			213,844
Interest expense		(11,570		)	(3,456		)	(12,430		)	(27,456		)
Credit on funds provided		52,257			9,803			5,802			67,862
Interest spread on funds provided		40,687			6,347			(6,628		)	40,406
Net interest income		$	114,824		$	143,548		$	(4,122	)	$	254,250
Provision for loan losses		$	1,168		$	2,403		$	—		$	3,571
Depreciation, amortization and accretion		5,214			1,911			15,033			22,158
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit (loss)		36,498			76,255			(3,847		)	108,906
Segment assets		7,523,832			11,145,584			5,829,419			24,498,835

		Three Months Ended September 30, 2012
		Retail			Commercial
		Banking			Banking			Other			Total
		(In thousands)
Interest income		$	87,603		$	151,458		$	15,101		$	254,162
Charge for funds used		(20,983		)	(29,088		)	12,117			(37,954		)
Interest spread on funds used		66,620			122,370			27,218			216,208
Interest expense		(13,986		)	(5,959		)	(12,309		)	(32,254		)
Credit on funds provided		31,231			3,115			3,608			37,954
Interest spread on funds provided		17,245			(2,844		)	(8,701		)	5,700
Net interest income		$	83,865		$	119,526		$	18,517		$	221,908
Provision for loan losses		$	12,097		$	6,403		$	—		$	18,500
Depreciation, amortization and accretion		2,001			(6,979		)	9,647			4,669
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit		14,223			73,168			17,812			105,203
Segment assets		6,366,341			10,121,984			5,324,840			21,813,165

		Nine Months Ended September 30, 2013
		Retail			Commercial
		Banking			Lending			Other			Total
		(In thousands)
Interest income		$	274,255		$	453,670		$	47,557		$	775,482
Charge for funds used		(61,236		)	(85,197		)	(5,841		)	(152,274		)
Interest spread on funds used		213,019			368,473			41,716			623,208
Interest expense		(35,923		)	(11,773		)	(36,601		)	(84,297		)
Credit on funds provided		120,675			19,137			12,462			152,274
Interest spread on funds provided		84,752			7,364			(24,139		)	67,977
Net interest income		$	297,771		$	375,837		$	17,577		$	691,185
Provision for loan losses		$	7,734		$	9,164		$	—		$	16,898
Depreciation, amortization and accretion		13,500			2,537			45,030			61,067
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit		87,918			208,450			30,918			327,286
Segment assets		7,523,832			11,145,584			5,829,419			24,498,835

		Nine Months Ended September 30, 2012
		Retail			Commercial
		Banking			Lending			Other			Total
		(In thousands)
Interest income		$	266,224		$	446,572		$	61,778		$	774,574
Charge for funds used		(65,392		)	(88,759		)	31,545			(122,606		)
Interest spread on funds used		200,832			357,813			93,323			651,968
Interest expense		(43,752		)	(18,221		)	(38,618		)	(100,591		)
Credit on funds provided		100,002			9,531			13,073			122,606
Interest spread on funds provided		56,250			(8,690		)	(25,545		)	22,015
Net interest income		$	257,082		$	349,123		$	67,778		$	673,983
Provision for loan losses		$	29,385		$	22,715		$	—		$	52,100
Depreciation, amortization and accretion		16,401			3,679			29,263			49,343
Goodwill		320,566			16,872			—			337,438
Segment pre-tax profit		54,465			196,852			66,075			317,392
Segment assets		6,366,341			10,121,984			5,324,840			21,813,165

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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

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-Publisher FASB

-Name Accounting Standards Codification

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-Name Accounting Standards Codification

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-Publisher FASB

-Name Accounting Standards Codification

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Reference 6: 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.

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