Our segment information for the three and six months ended June 30, 2015 and 2014 is as follows:



(Dollars in thousands)	Global Commercial Bank (1)			SVB Private Bank			SVB Capital (1)			Other Items (2)			Total
Three months ended June 30, 2015
Net interest income	$	203,945		$	11,109		$	1		$	28,716		$	243,771
Provision for loan losses	(25,592		)	(921		)	—			—			(26,513		)
Noninterest income	66,031			595			19,909			39,752			126,287
Noninterest expense (3)	(143,459		)	(3,139		)	(3,704		)	(43,810		)	(194,112		)
Income before income tax expense (4)	$	100,925		$	7,644		$	16,206		$	24,658		$	149,433
Total average loans, net of unearned income	$	12,824,661		$	1,542,046		$	—		$	(45,832	)	$	14,320,875
Total average assets (5)	37,544,170			2,216,622			330,016			(642,785		)	39,448,023
Total average deposits	33,714,023			1,084,632			—			157,412			34,956,067
Three months ended June 30, 2014
Net interest income	$	178,046		$	9,293		$	29		$	17,597		$	204,965
Provision for loan losses	(1,841		)	(106		)	—			—			(1,947		)
Noninterest income	53,027			356			(3,119		)	(36,054		)	14,210
Noninterest expense (3)	(121,827		)	(2,640		)	(3,144		)	(43,333		)	(170,944		)
Income before income tax expense (4)	$	107,405		$	6,903		$	(6,234	)	$	(61,790	)	$	46,284
Total average loans, net of unearned income	$	9,874,780		$	1,119,503		$	—		$	86,319		$	11,080,602
Total average assets (5)	29,214,978			986,392			342,924			1,201,336			31,745,630
Total average deposits	26,323,795			791,261			—			62,069			27,177,125
Six months ended June 30, 2015
Net interest income	$	407,753		$	20,832		$	2		$	54,109		$	482,696
Provision for loan losses	(32,052		)	(913		)	—			—			(32,965		)
Noninterest income	130,720			992			40,587			77,512			249,811
Noninterest expense (3)	(279,741		)	(5,886		)	(7,190		)	(91,836		)	(384,653		)
Income before income tax expense (4)	$	226,680		$	15,025		$	33,399		$	39,785		$	314,889
Total average loans, net of unearned income	$	12,777,409		$	1,458,581		$	—		$	(50,657	)	$	14,185,333
Total average assets (5)	36,813,121			2,069,903			335,690			(378,506		)	38,840,208
Total average deposits	33,096,854			1,167,823			—			147,496			34,412,173
Six months ended June 30, 2014
Net interest income	$	353,349		$	16,185		$	43		$	31,716		$	401,293
(Provision for) reduction of loan losses	(2,648		)	207			—			—			(2,441		)
Noninterest income	111,662			630			34,553			177,590			324,435
Noninterest expense (3)	(242,533		)	(5,135		)	(5,779		)	(87,905		)	(341,352		)
Income before income tax expense (4)	$	219,830		$	11,887		$	28,817		$	121,401		$	381,935
Total average loans, net of unearned income	$	9,776,913		$	1,084,894		$	—		$	63,200		$	10,925,007
Total average assets (5)	27,403,905			975,740			342,451			1,045,525			29,767,621
Total average deposits	24,610,326			768,300			—			57,831			25,436,457


(1)	Global Commercial Bank’s and SVB Capital’s components of net interest income, noninterest income, noninterest expense and total average assets are shown net of noncontrolling interests for all periods presented. Noncontrolling interest is included within "Other Items".

(2)

The "Other Items" column reflects the adjustments necessary to reconcile the results of the operating segments to the consolidated financial statements prepared in conformity with GAAP. Noninterest income is primarily attributable to noncontrolling interests and gains on equity warrant assets. Noninterest expense primarily consists of expenses associated with corporate support functions such as finance, human resources, marketing, legal and other expenses.


(3)	The Global Commercial Bank segment includes direct depreciation and amortization of $4.6 million and $5.1 million for the three months June 30, 2015 and 2014, respectively, and $9.7 million and $10.0 million for the six months ended June 30, 2015 and 2014, respectively.


(4)	The internal reporting model used by management to assess segment performance does not calculate income tax expense by segment. Our effective tax rate is a reasonable approximation of the segment rates.


(5)	Total average assets equal the greater of total average assets or the sum of total average liabilities and total average stockholders’ equity for each segment which contributes to the negative balances reported in "Other Items" to reconcile the results to the consolidated financial statements prepared in conformity with GAAP.