NOTE 25. SEGMENTS

We operate three reportable operating segments: Community Banking, Insurance and Wealth Management.

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Our Community Banking segment offers services which include accepting time and demand deposits, originating commercial and consumer loans and providing letters of credit and credit card services.

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Our Insurance segment includes a full-service insurance agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions and personal insurance lines.

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Our Wealth Management segment offers discount brokerage services, services as executor and trustee under wills and deeds, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisor that manages private investment accounts for individuals and institutions.

The following represents total assets by reportable operating segment as of December 31:


(dollars in thousands)	2013		2012
Community Banking	$	4,524,939	$	4,516,194
Insurance		6,926		9,302
Wealth Management		1,325		1,206
Total Assets	$	4,533,190	$	4,526,702

The following tables provide financial information for our three segments. The financial results of the business segments include allocations for shared services based on an internal analysis that supports line of business and branch performance measurement. Shared services include expenses such as employee benefits, occupancy expense, computer support and other corporate overhead. Even with these allocations, the financial results are not necessarily indicative of the business segments’ financial condition and results of operations as if they existed as independent entities. The information provided under the caption “Eliminations” represents operations not considered to be reportable segments and/or general operating expenses and eliminations and adjustments, which are necessary for purposes of reconciling to the Consolidated Financial Statements.


	For the Year Ended December 31, 2013
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated

Interest income	$	153,450	$	2	$	517	$	(213	)	$	153,756
Interest expense		16,508		—		—		(1,945	)		14,563
Net interest income (expense)		136,942		2		517		1,732			139,193
Provision for loan losses		8,311		—		—		—			8,311
Noninterest income		34,649		5,483		10,662		733			51,527
Noninterest expense		91,737		5,043		9,535		5,979			112,294
Depreciation expense		3,430		47		30		—			3,507
Amortization of intangible assets		1,492		51		48		—			1,591
Provision (benefit) for income taxes		17,212		120		660		(3,514	)		14,478
Net Income (Loss)	$	49,409	$	224	$	906	$	—		$	50,539


	For the Year Ended December 31, 2012
(dollars in thousands)	Community Banking		Insurance			Wealth Management		Eliminations			Consolidated

Interest income	$	155,865	$	1		$	454	$	(69	)	$	156,251
Interest expense		22,135		—			—		(1,111	)		21,024
Net interest income (expense)		133,730		1			454		1,042			135,227
Provision for loan losses		22,815		—			—		—			22,815
Noninterest income		36,422		5,262			9,788		440			51,912
Noninterest expense		97,687		5,415			9,448		4,692			117,242
Depreciation expense		3,833		48			31		—			3,912
Amortization of intangible assets		1,600		52			57		—			1,709
Provision (benefit) for income taxes		10,207		(88	)		352		(3,210	)		7,261
Net Income (Loss)	$	34,010	$	(164	)	$	354	$	—		$	34,200


	For the Year Ended December 31, 2011
(dollars in thousands)	Community Banking		Insurance			Wealth Management		Eliminations			Consolidated

Interest income	$	164,738	$	1		$	307	$	33		$	165,079
Interest expense		27,692		291			—		(250	)		27,733
Net interest income (expense)		137,046		(290	)		307		283			137,346
Provision for loan losses		15,609		—			—		—			15,609
Noninterest income		30,195		5,236			8,328		298			44,057
Noninterest expense		81,180		5,199			7,302		4,236			97,917
Depreciation expense		4,165		57			32		—			4,254
Amortization of intangible assets		1,619		52			66		—			1,737
Provision (benefit) for income taxes		17,911		(127	)		493		(3,655	)		14,622
Net Income (Loss)	$	46,757	$	(235	)	$	742	$	—		$	47,264