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v3.25.1

Reportable Operating Segments (Tables) | 3 Months Ended
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Mar. 31, 2025
Reportable Operating Segments |
Schedule of selected business segment financial information | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended
​ | ​ | March 31, 2025
​ | ​ | ​ | ​ | ​ | ​ | ​ | Treasury | ​ | ​ | ​
​ | ​ | Retail | ​ | Commercial | ​ | and | ​ | ​ | ​
(dollars in thousands) |  | Banking |  | Banking |  | Other |  | Total
Interest income | ​ | $ | 84,412 | ​ | $ | 107,271 | ​ | $ | 43,467 | ​ | $ | 235,150
Intersegment interest allocations (1) | ​ | ​ | (63,010) | ​ | ​ | (77,131) | ​ | ​ | 140,141 | ​ | ​ | —
Total interest income | ​ | ​ | 21,402 | ​ | ​ | 30,140 | ​ | ​ | 183,608 | ​ | ​ | 235,150
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Interest expense | ​ | ​ | (54,881) | ​ | ​ | (13,934) | ​ | ​ | (5,809) | ​ | ​ | (74,624)
Intersegment interest allocations (1) | ​ | ​ | 163,361 | ​ | ​ | 26,336 | ​ | ​ | (189,697) | ​ | ​ | —
Total interest expense | ​ | ​ | 108,480 | ​ | ​ | 12,402 | ​ | ​ | (195,506) | ​ | ​ | (74,624)
Net interest income (expense) | ​ | ​ | 129,882 | ​ | ​ | 42,542 | ​ | ​ | (11,898) | ​ | ​ | 160,526
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Provision for credit losses | ​ | ​ | (4,691) | ​ | ​ | (5,309) | ​ | ​ | (500) | ​ | ​ | (10,500)
Net interest income (expense) after provision for credit losses | ​ | ​ | 125,191 | ​ | ​ | 37,233 | ​ | ​ | (12,398) | ​ | ​ | 150,026
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Noninterest income | ​ | ​ | 26,651 | ​ | ​ | 17,755 | ​ | ​ | 6,071 | ​ | ​ | 50,477
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Salaries and employee benefits | ​ | ​ | (24,612) | ​ | ​ | (4,791) | ​ | ​ | (30,701) | ​ | ​ | (60,104)
Contracted services and professional fees | ​ | ​ | (3,053) | ​ | ​ | (3,870) | ​ | ​ | (7,916) | ​ | ​ | (14,839)
Occupancy | ​ | ​ | (7,295) | ​ | ​ | (495) | ​ | ​ | (310) | ​ | ​ | (8,100)
Equipment | ​ | ​ | (1,395) | ​ | ​ | (449) | ​ | ​ | (12,027) | ​ | ​ | (13,871)
Card rewards program | ​ | ​ | — | ​ | ​ | (7,919) | ​ | ​ | — | ​ | ​ | (7,919)
Other segment items (2) | ​ | ​ | (36,770) | ​ | ​ | (2,247) | ​ | ​ | 20,290 | ​ | ​ | (18,727)
Noninterest expense | ​ | ​ | (73,125) | ​ | ​ | (19,771) | ​ | ​ | (30,664) | ​ | ​ | (123,560)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Income (loss) before (provision) benefit for income taxes | ​ | ​ | 78,717 | ​ | ​ | 35,217 | ​ | ​ | (36,991) | ​ | ​ | 76,943
(Provision) benefit for income taxes | ​ | ​ | (18,774) | ​ | ​ | (6,961) | ​ | ​ | 8,040 | ​ | ​ | (17,695)
Net income (loss) | ​ | $ | 59,943 | ​ | $ | 28,256 | ​ | $ | (28,951) | ​ | $ | 59,248
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other Segment Disclosures: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Depreciation and amortization (3) | ​ | $ | 1,048 | ​ | $ | 68 | ​ | $ | 4,412 | ​ | $ | 5,528
Segment earning assets | ​ | ​ | 7,323,191 | ​ | ​ | 6,974,197 | ​ | ​ | 6,687,259 | ​ | ​ | 20,984,647
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended
​ | ​ | March 31, 2024
​ | ​ | ​ | ​ | ​ | ​ | ​ | Treasury | ​ | ​ | ​
​ | ​ | Retail | ​ | Commercial | ​ | and | ​ | ​ | ​
(dollars in thousands) |  | Banking |  | Banking |  | Other |  | Total
Interest income | ​ | $ | 84,223 | ​ | $ | 116,775 | ​ | $ | 43,954 | ​ | $ | 244,952
Intersegment interest allocations (1) | ​ | ​ | (62,197) | ​ | ​ | (83,239) | ​ | ​ | 145,436 | ​ | ​ | —
Total interest income | ​ | ​ | 22,026 | ​ | ​ | 33,536 | ​ | ​ | 189,390 | ​ | ​ | 244,952
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Interest expense | ​ | ​ | (58,372) | ​ | ​ | (15,313) | ​ | ​ | (16,840) | ​ | ​ | (90,525)
Intersegment interest allocations (1) | ​ | ​ | 164,403 | ​ | ​ | 27,158 | ​ | ​ | (191,561) | ​ | ​ | —
Total interest expense | ​ | ​ | 106,031 | ​ | ​ | 11,845 | ​ | ​ | (208,401) | ​ | ​ | (90,525)
Net interest income (expense) | ​ | ​ | 128,057 | ​ | ​ | 45,381 | ​ | ​ | (19,011) | ​ | ​ | 154,427
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(Provision) benefit for credit losses | ​ | ​ | (3,379) | ​ | ​ | (3,713) | ​ | ​ | 792 | ​ | ​ | (6,300)
Net interest income (expense) after (provision) benefit for credit losses | ​ | ​ | 124,678 | ​ | ​ | 41,668 | ​ | ​ | (18,219) | ​ | ​ | 148,127
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Noninterest income | ​ | ​ | 26,035 | ​ | ​ | 17,958 | ​ | ​ | 7,378 | ​ | ​ | 51,371
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Salaries and employee benefits | ​ | ​ | (25,238) | ​ | ​ | (4,996) | ​ | ​ | (29,028) | ​ | ​ | (59,262)
Contracted services and professional fees | ​ | ​ | (2,881) | ​ | ​ | (4,389) | ​ | ​ | (8,469) | ​ | ​ | (15,739)
Occupancy | ​ | ​ | (7,416) | ​ | ​ | (491) | ​ | ​ | 966 | ​ | ​ | (6,941)
Equipment | ​ | ​ | (1,308) | ​ | ​ | (361) | ​ | ​ | (11,744) | ​ | ​ | (13,413)
Card rewards program | ​ | ​ | — | ​ | ​ | (8,508) | ​ | ​ | — | ​ | ​ | (8,508)
Other segment items (2) | ​ | ​ | (39,797) | ​ | ​ | (6,940) | ​ | ​ | 21,787 | ​ | ​ | (24,950)
Noninterest expense | ​ | ​ | (76,640) | ​ | ​ | (25,685) | ​ | ​ | (26,488) | ​ | ​ | (128,813)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Income (loss) before (provision) benefit for income taxes | ​ | ​ | 74,073 | ​ | ​ | 33,941 | ​ | ​ | (37,329) | ​ | ​ | 70,685
(Provision) benefit for income taxes | ​ | ​ | (17,928) | ​ | ​ | (7,273) | ​ | ​ | 8,736 | ​ | ​ | (16,465)
Net income (loss) | ​ | $ | 56,145 | ​ | $ | 26,668 | ​ | $ | (28,593) | ​ | $ | 54,220
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other Segment Disclosures: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Depreciation and amortization (3) | ​ | $ | 1,136 | ​ | $ | 68 | ​ | $ | 3,713 | ​ | $ | 4,917
Segment earning assets | ​ | ​ | 7,474,076 | ​ | ​ | 6,880,199 | ​ | ​ | 7,263,325 | ​ | ​ | 21,617,600
(1) | Intersegment interest allocations are the result of funds transfer-pricing methodologies that are utilized to allocate a cost for the funding of assets and a credit for the collection of deposits to all business segment assets and liabilities.
(2) | Other segment items included in segment net income includes advertising and marketing, regulatory assessment and fees, allocations and transfer pricing on non-earning assets, liabilities and equity, and other miscellaneous and administrative fees.
(3) | The amounts of depreciation and amortization disclosed by reportable segment are included within equipment, occupancy, other segment items, and noninterest income.

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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://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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