XML 110 R99.htm IDEA: XBRL DOCUMENT v3.25.3
Reportable Operating Segments - Selected Business Segment Financial Information (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Selected business segment financial information        
Total interest income $ 242,575 $ 249,996 $ 714,464 $ 739,882
Total interest expense (73,244) (93,289) (221,024) (275,897)
Net interest income (expense) 169,331 156,707 493,440 463,985
Provision for credit losses (4,500) (7,400) (19,500) (15,500)
Net interest income after provision for credit losses 164,831 149,307 473,940 448,485
Noninterest income 57,060 53,288 161,495 156,427
Salaries and employee benefits 61,533 59,563 181,138 176,562
Contracted services and professional fees 15,785 14,634 46,621 46,440
Occupancy (7,098) (6,945) (23,132) (21,263)
Equipment (13,834) (13,078) (41,742) (39,687)
Card rewards program 8,694 8,678 25,019 25,905
Noninterest expense (125,744) (126,147) (374,243) (377,046)
Income (loss) before (provision) benefit for income taxes 96,147 76,448 261,192 227,866
(Provision) benefit for income taxes (22,307) (14,956) (54,857) (50,233)
Net income 73,840 61,492 206,335 177,633
Operating Segments        
Selected business segment financial information        
Total interest income 242,575 249,996 714,464 739,882
Total interest expense (73,244) (93,289) (221,024) (275,897)
Net interest income (expense) 169,331 156,707 493,440 463,985
Provision for credit losses (4,500) (7,400) (19,500) (15,500)
Net interest income after provision for credit losses 164,831 149,307 473,940 448,485
Noninterest income 57,060 53,288 161,495 156,427
Salaries and employee benefits (61,533) (59,563) (181,138) (176,562)
Contracted services and professional fees (15,785) (14,634) (46,621) (46,440)
Occupancy (7,098) (6,945) (23,132) (21,263)
Equipment (13,834) (13,078) (41,742) (39,687)
Card rewards program (8,694) (8,678) (25,019) (25,905)
Other segment items (18,800) (23,249) (56,591) (67,189)
Noninterest expense (125,744) (126,147) (374,243) (377,046)
Income (loss) before (provision) benefit for income taxes 96,147 76,448 261,192 227,866
(Provision) benefit for income taxes (22,307) (14,956) (54,857) (50,233)
Net income 73,840 61,492 206,335 177,633
Other Segment Disclosures:        
Depreciation and amortization 4,941 4,780 16,200 14,605
Segment earning assets 21,342,547 21,008,789 21,342,547 21,008,789
Retail Banking        
Selected business segment financial information        
Total interest income 21,978 18,758 62,879 58,711
Total interest expense 109,812 103,974 322,415 309,508
Net interest income (expense) 131,790 122,732 385,294 368,219
Noninterest income 28,512 26,585 82,917 78,916
Retail Banking | Operating Segments        
Selected business segment financial information        
Total interest income 83,715 80,967 246,065 241,201
Total interest expense (49,893) (61,008) (152,773) (175,119)
Net interest income (expense) 131,790 122,732 385,294 368,219
Provision for credit losses (774) (3,390) (7,576) (8,294)
Net interest income after provision for credit losses 131,016 119,342 377,718 359,925
Noninterest income 28,512 26,585 82,917 78,916
Salaries and employee benefits (24,150) (24,291) (74,505) (74,403)
Contracted services and professional fees (2,763) (2,754) (8,735) (8,673)
Occupancy (7,725) (7,381) (22,434) (22,172)
Equipment (1,305) (1,368) (4,150) (3,979)
Other segment items (35,621) (37,222) (107,241) (113,054)
Noninterest expense (71,564) (73,016) (217,065) (222,281)
Income (loss) before (provision) benefit for income taxes 87,964 72,911 243,570 216,560
(Provision) benefit for income taxes (21,381) (17,558) (54,132) (52,171)
Net income 66,583 55,353 189,438 164,389
Other Segment Disclosures:        
Depreciation and amortization 1,003 1,116 3,044 3,376
Segment earning assets 7,098,572 7,125,507 7,098,572 7,125,507
Retail Banking | Intersegment Eliminations        
Selected business segment financial information        
Intersegment interest allocations (61,737) (62,209) (183,186) (182,490)
Intersegment interest allocations 159,705 164,982 475,188 484,627
Commercial Banking        
Selected business segment financial information        
Total interest income 29,764 35,084 89,141 102,292
Total interest expense 14,490 15,739 43,678 46,192
Net interest income (expense) 44,254 50,823 132,819 148,484
Noninterest income 21,074 21,666 57,868 58,247
Commercial Banking | Operating Segments        
Selected business segment financial information        
Total interest income 112,442 124,105 334,822 366,381
Total interest expense (17,812) (20,955) (51,138) (59,462)
Net interest income (expense) 44,254 50,823 132,819 148,484
Provision for credit losses (876) (3,726) (8,574) (9,114)
Net interest income after provision for credit losses 43,378 47,097 124,245 139,370
Noninterest income 21,074 21,666 57,868 58,247
Salaries and employee benefits (4,482) (4,727) (14,237) (14,503)
Contracted services and professional fees (4,517) (3,982) (12,725) (12,286)
Occupancy (486) (488) (1,459) (1,470)
Equipment (466) (319) (1,387) (913)
Card rewards program (8,694) (8,678) (25,019) (25,905)
Other segment items (2,006) (3,497) (5,613) (14,922)
Noninterest expense (20,651) (21,691) (60,440) (69,999)
Income (loss) before (provision) benefit for income taxes 43,801 47,072 121,673 127,618
(Provision) benefit for income taxes (9,237) (10,285) (23,296) (27,914)
Net income 34,564 36,787 98,377 99,704
Other Segment Disclosures:        
Depreciation and amortization 66 67 202 202
Segment earning assets 7,036,472 7,120,187 7,036,472 7,120,187
Commercial Banking | Intersegment Eliminations        
Selected business segment financial information        
Intersegment interest allocations (82,678) (89,021) (245,681) (264,089)
Intersegment interest allocations 32,302 36,694 94,816 105,654
Treasury and Other        
Selected business segment financial information        
Total interest income 190,833 196,154 562,444 578,879
Total interest expense (197,546) (213,002) (587,117) (631,597)
Net interest income (expense) (6,713) (16,848) (24,673) (52,718)
Noninterest income 7,474 5,037 20,710 19,264
Treasury and Other | Operating Segments        
Selected business segment financial information        
Total interest income 46,418 44,924 133,577 132,300
Total interest expense (5,539) (11,326) (17,113) (41,316)
Net interest income (expense) (6,713) (16,848) (24,673) (52,718)
Provision for credit losses (2,850) (284) (3,350) 1,908
Net interest income after provision for credit losses (9,563) (17,132) (28,023) (50,810)
Noninterest income 7,474 5,037 20,710 19,264
Salaries and employee benefits (32,901) (30,545) (92,396) (87,656)
Contracted services and professional fees (8,505) (7,898) (25,161) (25,481)
Occupancy 1,113 924 761 2,379
Equipment (12,063) (11,391) (36,205) (34,795)
Other segment items 18,827 17,470 56,263 60,787
Noninterest expense (33,529) (31,440) (96,738) (84,766)
Income (loss) before (provision) benefit for income taxes (35,618) (43,535) (104,051) (116,312)
(Provision) benefit for income taxes 8,311 12,887 22,571 29,852
Net income (27,307) (30,648) (81,480) (86,460)
Other Segment Disclosures:        
Depreciation and amortization 3,872 3,597 12,954 11,027
Segment earning assets 7,207,503 6,763,095 7,207,503 6,763,095
Treasury and Other | Intersegment Eliminations        
Selected business segment financial information        
Intersegment interest allocations 144,415 151,230 428,867 446,579
Intersegment interest allocations $ (192,007) $ (201,676) $ (570,004) $ (590,281)