SEGMENT INFORMATION

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

SEGMENT INFORMATION

(22) 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, 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)
December 31, 2013
Net interest income (expense).	$	56,346		$	102,705	$	6,239	$	(1,771	)	$	—		$	163,519
Provision for loan losses		(154	)		1,205		121		86			—			1,258
Noninterest income		12,881			48,418		25,659		59,298			(56,101	)		90,155
Depreciation and amortization.		2,178			7,011		521		1,367			—			11,077
Other expenses		31,396			84,011		21,604		23,818			(332	)		160,497
Income before taxes. . . . . . . . .	$	35,807		$	58,896	$	9,652	$	32,256		$	(55,769	)	$	80,842
Total assets	$	2,079,444		$	3,764,429	$	103,656	$	703,294		$	(611,849	)	$	6,038,974
Capital expenditures	$	5,534		$	6,445	$	219	$	1,698		$	—		$	13,896
December 31, 2012
Net interest income (expense).	$	54,062		$	105,966	$	7,055	$	(2,268	)	$	—		$	164,815
Provision for loan losses		1,202			1,607		182		109			—			3,100
Noninterest income		11,222			43,809		29,624		56,848			(53,786	)		87,717
Depreciation and amortization.		1,956			6,898		485		1,501			—			10,840
Other expenses		29,511			80,535		22,056		27,783			(297	)		159,588
Income before taxes	$	32,615		$	60,735	$	13,956	$	25,187		$	(53,489	)	$	79,004
Total assets	$	1,996,539		$	3,801,653	$	186,473	$	602,342		$	(564,757	)	$	6,022,250
Capital expenditures	$	4,099		$	8,045	$	398	$	896		$	—		$	13,438
December 31, 2011
Net interest income (expense).	$	50,952		$	102,528	$	7,055	$	(3,638	)	$	—		$	156,897
Provision for loan losses		21			4,205		276		13			—			4,515
Noninterest income		11,226			39,529		23,148		51,144			(48,086	)		76,961
Depreciation and amortization.		1,733			6,128		505		1,316			—			9,682
Other expenses		29,527			74,527		19,569		25,627			(286	)		148,964
Income before taxes	$	30,897		$	57,197	$	9,853	$	20,550		$	(47,800	)	$	70,697
Total assets	$	1,738,426		$	3,660,239	$	153,872	$	602,577		$	(546,289	)	$	5,608,825
Capital expenditures	$	2,265		$	12,561	$	107	$	1,447		$	—		$	16,380

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.