Segment Information

12 Months Ended

Dec. 31, 2014

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, 2014
Net interest income (expense)	$	59,923		$	116,935		$	6,155	$	(1,662	)	$	—		$	181,351
Provision for loan losses		3,077			(488	)		481		2			—			3,072
Noninterest income		13,752			51,415			28,079		69,442			(66,275	)		96,413
Depreciation and amortization		2,216			7,277			522		1,334			—			11,349
Other expenses		32,300			89,888			22,304		27,998			(318	)		172,172
Income before taxes	$	36,082		$	71,673		$	10,927	$	38,446		$	(65,957	)	$	91,171
Total assets	$	2,298,828		$	4,113,783		$	145,814	$	679,194		$	(662,647	)	$	6,574,972
Capital expenditures	$	1,948		$	7,972		$	121	$	1,449		$	—		$	11,490
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

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.