Segment Information

9 Months Ended

Sep. 30, 2011

Segment Information [Abstract]

Segment Information

(14) SEGMENT INFORMATION

The Company evaluates its performance with an internal profitability measurement system that measures the profitability of its business units on a pre-tax basis. The four principal business units are metropolitan banks, community banks, other financial services, and executive, operations and support. Metropolitan and community banks offer traditional banking products such as commercial and retail lending, and a full line of deposit accounts. Metropolitan banks consist of banking locations in the metropolitan Oklahoma City and Tulsa areas. Community banks consist of banking locations in communities throughout Oklahoma. Other financial services are specialty product business units including guaranteed small business lending, guaranteed student lending, residential mortgage lending, trust services, securities brokerage, electronic banking and insurance. The executive, operations and support groups represent executive management, operational support and corporate functions that are not allocated to the other business units.

The results of operations and selected financial information for the four business units are as follows:

	Metropolitan Banks		Community Banks		Other Financial Services		Executive, Operations & Support			Eliminations			Consolidated
	(Dollars in thousands)
Three Months Ended:
September 30, 2011
Net interest income (expense)	$	13,167	$	26,518	$	1,620	$	(1,087	)	$	—		$	40,218
Noninterest income		2,979		10,607		5,845		13,897			(13,211	)		20,117
Income before taxes		7,612		14,867		2,217		6,557			(13,062	)		18,191
September 30, 2010
Net interest income (expense)	$	12,028	$	22,680	$	2,099	$	(736	)	$	—		$	36,071
Noninterest income		2,734		8,947		5,843		12,845			(12,206	)		18,163
Income before taxes		7,513		13,375		3,117		6,430			(12,059	)		18,376
Nine Months Ended:
September 30, 2011
Net interest income (expense)	$	37,650	$	75,576	$	5,349	$	(3,062	)	$	—		$	115,513
Noninterest income		8,491		29,292		17,448		38,139			(35,844	)		57,526
Income before taxes		22,492		41,703		7,849		15,647			(35,604	)		52,087
September 30, 2010
Net interest income (expense)	$	34,771	$	67,650	$	5,600	$	(2,422	)	$	—		$	105,599
Noninterest income		7,877		26,427		14,962		35,375			(33,504	)		51,137
Income before taxes		21,505		38,933		6,999		15,533			(33,265	)		49,705
Total Assets:
September 30, 2011	$	1,660,756	$	3,615,387	$	134,984	$	612,535		$	(551,356)		$	5,472,306
December 31, 2010	$	1,534,552	$	3,298,409	$	140,854	$	611,979		$	(525,545)		$	5,060,249
September 30, 2010	$	1,543,550	$	2,816,654	$	302,948	$	446,157		$	(510,127	)	$	4,599,182

The financial information for each business unit is presented on the basis used internally by management to evaluate performance and allocate resources. The Company utilizes a transfer pricing system to allocate the benefit or cost of funds provided or used by the various business units. Certain services provided by the support group to other business units, such as item processing, are allocated at rates approximating the cost of providing the services. Eliminations are adjustments to consolidate the business units and companies. Capital expenditures are generally charged to the business unit using the asset.