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BUSINESS SEGMENTS (Tables) | 9 Months Ended
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Sep. 30, 2016
Segment Reporting [Abstract] |
Schedule of operating results and other key financial measures by operating segments | The following tables present the operating results and other key financial measures for the individual operating segments as of and for the three and nine months ended September 30, 2016 and 2015:
($ in thousands) |  | Three Months Ended September 30, 2016
| Retail Banking |  | Commercial Banking |  | Other |  | Total
Interest income |  | $ | 77,186 |  |  | $ | 180,095 |  |  | $ | 23,036 |  |  | $ | 280,317 |
Charge for funds used |  | (24,320 | ) |  | (53,262 | ) |  | (3,858 | ) |  | (81,440 | )
Interest spread on funds used |  | 52,866 |  |  | 126,833 |  |  | 19,178 |  |  | 198,877 |
Interest expense |  | (14,855 | ) |  | (3,699 | ) |  | (7,615 | ) |  | (26,169 | )
Credit on funds provided |  | 68,622 |  |  | 8,206 |  |  | 4,612 |  |  | 81,440 |
Interest spread on funds provided |  | 53,767 |  |  | 4,507 |  |  | (3,003 | ) |  | 55,271 |
Net interest income |  | $ | 106,633 |  |  | $ | 131,340 |  |  | $ | 16,175 |  |  | $ | 254,148 |
(Reversal of) provision for credit losses |  | $ | (3,709 | ) |  | $ | 13,234 |  |  | $ | — |  |  | $ | 9,525 |
Depreciation, amortization and (accretion), net |  | $ | 782 |  |  | $ | (5,875 | ) |  | $ | 40,541 |  |  | $ | 35,448 |
Segment pretax profit |  | $ | 32,304 |  |  | $ | 80,393 |  |  | $ | 10,767 |  |  | $ | 123,464 |
As of September 30, 2016: |  |  |  |  |  |  |  |
Goodwill |  | $ | 357,207 |  |  | $ | 112,226 |  |  | $ | — |  |  | $ | 469,433 |
Segment assets |  | $ | 7,606,611 |  |  | $ | 18,549,562 |  |  | $ | 7,099,102 |  |  | $ | 33,255,275 |
($ in thousands) |  | Three Months Ended September 30, 2015
| Retail Banking |  | Commercial Banking |  | Other |  | Total
Interest income |  | $ | 81,911 |  |  | $ | 166,693 |  |  | $ | 16,028 |  |  | $ | 264,632 |
Charge for funds used |  | (20,795 | ) |  | (41,447 | ) |  | (20,485 | ) |  | (82,727 | )
Interest spread on funds used |  | 61,116 |  |  | 125,246 |  |  | (4,457 | ) |  | 181,905 |
Interest expense |  | (13,727 | ) |  | (4,765 | ) |  | (5,851 | ) |  | (24,343 | )
Credit on funds provided |  | 68,783 |  |  | 8,849 |  |  | 5,095 |  |  | 82,727 |
Interest spread on funds provided |  | 55,056 |  |  | 4,084 |  |  | (756 | ) |  | 58,384 |
Net interest income (loss) |  | $ | 116,172 |  |  | $ | 129,330 |  |  | $ | (5,213 | ) |  | $ | 240,289 |
Provision for credit losses |  | $ | 1,455 |  |  | $ | 6,281 |  |  | $ | — |  |  | $ | 7,736 |
Depreciation, amortization and (accretion), net (1) |  | $ | 1,827 |  |  | $ | (13,496 | ) |  | $ | 18,765 |  |  | $ | 7,096 |
Segment pretax profit (loss) |  | $ | 52,325 |  |  | $ | 96,605 |  |  | $ | (9,941 | ) |  | $ | 138,989 |
As of September 30, 2015: |  |  |  |  |  |  |  |
Goodwill |  | $ | 357,207 |  |  | $ | 112,226 |  |  | $ | — |  |  | $ | 469,433 |
Segment assets |  | $ | 7,274,494 |  |  | $ | 17,125,065 |  |  | $ | 6,720,117 |  |  | $ | 31,119,676 |
($ in thousands) |  | Nine Months Ended September 30, 2016
| Retail Banking |  | Commercial Banking |  | Other |  | Total
Interest income |  | $ | 233,192 |  |  | $ | 534,603 |  |  | $ | 67,559 |  |  | $ | 835,354 |
Charge for funds used |  | (70,770 | ) |  | (159,734 | ) |  | (22,465 | ) |  | (252,969 | )
Interest spread on funds used |  | 162,422 |  |  | 374,869 |  |  | 45,094 |  |  | 582,385 |
Interest expense |  | (44,133 | ) |  | (11,965 | ) |  | (19,320 | ) |  | (75,418 | )
Credit on funds provided |  | 210,831 |  |  | 26,655 |  |  | 15,483 |  |  | 252,969 |
Interest spread on funds provided |  | 166,698 |  |  | 14,690 |  |  | (3,837 | ) |  | 177,551 |
Net interest income |  | $ | 329,120 |  |  | $ | 389,559 |  |  | $ | 41,257 |  |  | $ | 759,936 |
(Reversal of) provision for credit losses |  | $ | (2,846 | ) |  | $ | 19,864 |  |  | $ | — |  |  | $ | 17,018 |
Depreciation, amortization and (accretion), net |  | $ | 279 |  |  | $ | (25,915 | ) |  | $ | 86,316 |  |  | $ | 60,680 |
Segment pretax profit |  | $ | 114,513 |  |  | $ | 268,401 |  |  | $ | 28,137 |  |  | $ | 411,051 |
As of September 30, 2016: |  |  |  |  |  |  |  |
Goodwill |  | $ | 357,207 |  |  | $ | 112,226 |  |  | $ | — |  |  | $ | 469,433 |
Segment assets |  | $ | 7,606,611 |  |  | $ | 18,549,562 |  |  | $ | 7,099,102 |  |  | $ | 33,255,275 |
($ in thousands) |  | Nine Months Ended September 30, 2015
| Retail Banking |  | Commercial Banking |  | Other |  | Total
Interest income |  | $ | 252,085 |  |  | $ | 482,816 |  |  | $ | 48,437 |  |  | $ | 783,338 |
Charge for funds used |  | (65,452 | ) |  | (117,125 | ) |  | (43,653 | ) |  | (226,230 | )
Interest spread on funds used |  | 186,633 |  |  | 365,691 |  |  | 4,784 |  |  | 557,108 |
Interest expense |  | (38,946 | ) |  | (13,738 | ) |  | (27,156 | ) |  | (79,840 | )
Credit on funds provided |  | 187,401 |  |  | 24,859 |  |  | 13,970 |  |  | 226,230 |
Interest spread on funds provided |  | 148,455 |  |  | 11,121 |  |  | (13,186 | ) |  | 146,390 |
Net interest income (loss) |  | $ | 335,088 |  |  | $ | 376,812 |  |  | $ | (8,402 | ) |  | $ | 703,498 |
(Reversal of) provision for credit losses |  | $ | (1,268 | ) |  | $ | 17,485 |  |  | $ | — |  |  | $ | 16,217 |
Depreciation, amortization and (accretion), net (1) |  | $ | 6,743 |  |  | $ | (30,027 | ) |  | $ | 40,625 |  |  | $ | 17,341 |
Segment pretax profit (loss) |  | $ | 160,609 |  |  | $ | 287,049 |  |  | $ | (17,422 | ) |  | $ | 430,236 |
As of September 30, 2015: |  |  |  |  |  |  |  |
Goodwill |  | $ | 357,207 |  |  | $ | 112,226 |  |  | $ | — |  |  | $ | 469,433 |
Segment assets |  | $ | 7,274,494 |  |  | $ | 17,125,065 |  |  | $ | 6,720,117 |  |  | $ | 31,119,676 |
(1) | Includes amortization and accretion related to the FDIC indemnification asset/net payable to the FDIC

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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 30 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8906-108599 Reference 2: 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=51669610&loc=d3e8813-108599 Reference 3: 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=51669610&loc=d3e8721-108599 Reference 4: 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=35741047&loc=d3e13816-109267 Reference 5: 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=51669610&loc=d3e8736-108599 + Details
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