(22) SEGMENTS

The Company is a financial holding company with subsidiaries engaged in the business of banking and activities closely related to banking. The Company determines reportable segments based upon the services offered, the significance of those services to the Company's financial condition and operating results and management's regular review of the operating results of those services. The Company's primary segment is Community Banking, which includes providing a full range of deposit products, commercial loans and consumer loans. The Company has also designated two additional reportable segments - Insurance Agencies and General Corporate and Other. The Company's insurance agencies serve as agents in the sale of commercial lines of insurance and full lines of property and casualty, life, health and employee benefits products and services. The General Corporate and Other operating segment includes mortgage lending, trust services, credit card activities, investment services and other activities not allocated to the Community Banking or Insurance Agencies operating segments. The increased net income of the Community Banking operating segment in 2012 compared to 2011 and in 2011 compared to 2010 was primarily related to the corresponding decrease in the provision for credit losses.

Results of operations and selected financial information by operating segment for the years ended December 31, 2012, 2011 and 2010 were as follows:

	Community Banking		Insurance Agencies		General Corporate and Other			Total
2012	(In thousands)
Results of Operations
Net interest revenue	$	389,466	$	270	$	24,855		$	414,591
Provision for credit losses		25,482		-		2,518			28,000
Net interest income after provision for credit losses		363,984		270		22,337			386,591
Noninterest revenue		113,613		90,045		76,491			280,149
Noninterest expense		351,378		78,799		119,016			549,193
Income (loss) before income taxes		126,219		11,516		(20,188	)		117,547
Income tax expense (benefit)		39,777		4,682		(11,207	)		33,252
Net income (loss)	$	86,442	$	6,834	$	(8,981	)	$	84,295
Selected Financial Information
Total assets	$	10,232,036	$	173,832	$	2,991,330		$	13,397,198
Depreciation and amortization		23,773		3,616		3,553			30,942

	Community Banking		Insurance Agencies		General Corporate and Other			Total
2011	(In thousands)
Results of Operations
Net interest revenue	$	407,648	$	329	$	26,936		$	434,913
Provision for credit losses		127,794		-		2,287			130,081
Net interest income after provision for credit losses		279,854		329		24,649			304,832
Noninterest revenue		126,807		86,955		57,083			270,845
Noninterest expense		338,125		73,793		121,715			533,633
Income (loss) before income taxes		68,536		13,491		(39,983	)		42,044
Income tax expense (benefit)		40,454		5,423		(41,402	)		4,475
Net income	$	28,082	$	8,068	$	1,419		$	37,569
Selected Financial Information
Total assets	$	10,169,986	$	163,995	$	2,661,870		$	12,995,851
Depreciation and amortization		24,167		3,826		4,221			32,214

	Community Banking		Insurance Agencies		General Corporate and Other			Total
2010	(In thousands)
Results of Operations
Net interest revenue	$	411,936	$	561	$	28,645		$	441,142
Provision for credit losses		197,539		-		6,477			204,016
Net interest income after provision for credit losses		214,397		561		22,168			237,126
Noninterest revenue		114,736		82,327		67,081			264,144
Noninterest expense		308,299		70,830		107,904			487,033
Income (loss) before income taxes		20,834		12,058		(18,655	)		14,237
Income tax expense (benefit)		2,914		4,786		(16,405	)		(8,705	)
Net income (loss)	$	17,920	$	7,272	$	(2,250	)	$	22,942
Selected Financial Information
Total assets	$	10,854,511	$	158,919	$	2,601,580		$	13,615,010
Depreciation and amortization		24,910		4,230		4,532			33,672