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SEGMENT INFORMATION (Tables) | 12 Months Ended
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Dec. 31, 2014
SEGMENT INFORMATION |
Operating results and key financial measures for operating segments |
|  | Year Ended December 31, 2014
|  | Retail Banking |  | Commercial Banking |  | Other |  | Total
|  | (In thousands)
Interest and dividend income |  | $ | 378,445 |  |  | $ | 715,075 |  |  | $ | 60,178 |  |  | $ | 1,153,698 |
Charge for funds used |  | (94,162 | ) |  | (141,652 | ) |  | (47,570 | ) |  | (283,384 | )
Interest spread on funds used |  | 284,283 |  |  | 573,423 |  |  | 12,608 |  |  | 870,314 |
Interest expense |  | (48,020 | ) |  | (15,650 | ) |  | (49,150 | ) |  | (112,820 | )
Credit on funds provided |  | 225,873 |  |  | 38,592 |  |  | 18,919 |  |  | 283,384 |
Interest spread on funds provided |  | 177,853 |  |  | 22,942 |  |  | (30,231 | ) |  | 170,564 |
Net interest income (loss) before provision for loan losses |  | $ | 462,136 |  |  | $ | 596,365 |  |  | $ | (17,623 | ) |  | $ | 1,040,878 |
Provision for loan losses |  | $ | 14,979 |  |  | $ | 34,179 |  |  | $ | — |  |  | $ | 49,158 |
Depreciation, amortization and accretion (1) |  | $ | 14,376 |  |  | $ | (8,372 | ) |  | $ | 108,117 |  |  | $ | 114,121 |
Goodwill |  | $ | 357,207 |  |  | $ | 112,226 |  |  | $ | — |  |  | $ | 469,433 |
Income before provision for income taxes |  | $ | 166,637 |  |  | $ | 276,601 |  |  | $ | (27,783 | ) |  | $ | 415,455 |
Assets |  | $ | 7,621,808 |  |  | $ | 15,595,862 |  |  | $ | 5,520,379 |  |  | $ | 28,738,049 |
|  | Year Ended December 31, 2013
|  | Retail Banking |  | Commercial Banking |  | Other |  | Total
|  | (In thousands)
Interest and dividend income |  | $ | 374,818 |  |  | $ | 627,118 |  |  | $ | 66,749 |  |  | $ | 1,068,685 |
Charge for funds used |  | (86,552 | ) |  | (116,161 | ) |  | (18,244 | ) |  | (220,957 | )
Interest spread on funds used |  | 288,266 |  |  | 510,957 |  |  | 48,505 |  |  | 847,728 |
Interest expense |  | (47,287 | ) |  | (15,185 | ) |  | (50,020 | ) |  | (112,492 | )
Credit on funds provided |  | 173,194 |  |  | 29,262 |  |  | 18,501 |  |  | 220,957 |
Interest spread on funds provided |  | 125,907 |  |  | 14,077 |  |  | (31,519 | ) |  | 108,465 |
Net interest income before provision for loan losses |  | $ | 414,173 |  |  | $ | 525,034 |  |  | $ | 16,986 |  |  | $ | 956,193 |
Provision for loan losses |  | $ | 10,911 |  |  | $ | 11,453 |  |  | $ | — |  |  | $ | 22,364 |
Depreciation, amortization and accretion (1) |  | $ | 19,865 |  |  | $ | 8,120 |  |  | $ | 69,125 |  |  | $ | 97,110 |
Goodwill |  | $ | 320,566 |  |  | $ | 16,872 |  |  | $ | — |  |  | $ | 337,438 |
Income before provision for income taxes |  | $ | 123,876 |  |  | $ | 272,369 |  |  | $ | 29,605 |  |  | $ | 425,850 |
Assets |  | $ | 7,820,191 |  |  | $ | 11,545,405 |  |  | $ | 5,364,472 |  |  | $ | 24,730,068 |
|  | Year Ended December 31, 2012
|  | Retail Banking |  | Commercial Banking |  | Other |  | Total
|  | (In thousands)
Interest and dividend income |  | $ | 356,244 |  |  | $ | 617,041 |  |  | $ | 77,810 |  |  | $ | 1,051,095 |
Charge for funds used |  | (85,811 | ) |  | (118,688 | ) |  | 44,407 |  |  | (160,092 | )
Interest spread on funds used |  | 270,433 |  |  | 498,353 |  |  | 122,217 |  |  | 891,003 |
Interest expense |  | (57,401 | ) |  | (23,226 | ) |  | (51,541 | ) |  | (132,168 | )
Credit on funds provided |  | 130,713 |  |  | 13,138 |  |  | 16,241 |  |  | 160,092 |
Interest spread on funds provided |  | 73,312 |  |  | (10,088 | ) |  | (35,300 | ) |  | 27,924 |
Net interest income before provision for loan losses |  | $ | 343,745 |  |  | $ | 488,265 |  |  | $ | 86,917 |  |  | $ | 918,927 |
Provision for loan losses |  | $ | 28,729 |  |  | $ | 36,455 |  |  | $ | — |  |  | $ | 65,184 |
Depreciation, amortization and accretion (1) |  | $ | 12,869 |  |  | $ | (13,277 | ) |  | $ | 44,159 |  |  | $ | 43,751 |
Goodwill |  | $ | 320,566 |  |  | $ | 16,872 |  |  | $ | — |  |  | $ | 337,438 |
Income before provision for income taxes |  | $ | 74,836 |  |  | $ | 266,168 |  |  | $ | 84,588 |  |  | $ | 425,592 |
Assets |  | $ | 6,552,217 |  |  | $ | 10,421,160 |  |  | $ | 5,562,733 |  |  | $ | 22,536,110 |
(1) | Includes amortization and accretion related to the FDIC indemnification asset.

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