Segment Information

6 Months Ended

Jun. 30, 2016

Segment Reporting [Abstract]

Segment Information

(11) 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)
Three Months Ended June 30, 2016
Net interest income (expense)	$	15,699	$	33,846	$	1,591	$	(268	)	$	—		$	50,868
Noninterest income		4,098		14,408		6,646		18,798			(17,893	)		26,057
Income before taxes		10,240		20,331		2,431		11,247			(17,848	)		26,401
Three Months Ended June 30, 2015
Net interest income (expense)	$	15,325	$	29,444	$	1,900	$	(454	)	$	—		$	46,215
Noninterest income		3,533		12,990		11,387		21,326			(20,521	)		28,715
Income before taxes		9,800		17,400		6,910		14,604			(20,484	)		28,230
Six Months Ended June 30, 2016
Net interest income (expense)	$	31,542	$	66,968	$	3,007	$	(673	)	$	—		$	100,844
Noninterest income		7,886		28,004		14,125		36,476			(34,817	)		51,674
Income before taxes		19,588		39,425		5,545		21,747			(34,705	)		51,600
Six Months Ended June 30, 2015
Net interest income (expense)	$	30,725	$	58,499	$	3,518	$	(901	)	$	—		$	91,841
Noninterest income		6,990		25,316		20,114		38,618			(37,027	)		54,011
Income before taxes		19,689		33,807		11,917		24,408			(36,926	)		52,895
Total Assets:
June 30, 2016	$	2,311,639	$	4,350,115	$	107,265	$	653,042		$	(738,685	)	$	6,683,376
December 31, 2015		2,277,870		4,379,205		128,697		624,428			(717,371	)		6,692,829

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.