Segment Information

9 Months Ended

Sep. 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 September 30, 2016
Net interest income (expense)	$	15,893	$	34,254	$	1,617	$	(333	)	$	—		$	51,431
Noninterest income		4,235		14,918		8,050		19,025			(18,301	)		27,927
Income before taxes		10,970		19,727		2,683		11,964			(18,130	)		27,214
Three Months Ended September 30, 2015
Net interest income (expense)	$	15,221	$	30,429	$	1,638	$	(412	)	$	—		$	46,876
Noninterest income		3,755		13,427		7,507		17,250			(16,615	)		25,324
Income before taxes		9,463		18,693		3,098		9,616			(16,446	)		24,424
Nine Months Ended September 30, 2016
Net interest income (expense)	$	47,435	$	101,222	$	4,624	$	(1,006	)	$	—		$	152,275
Noninterest income		12,121		42,922		22,175		55,501			(53,118	)		79,601
Income before taxes		30,558		59,152		8,228		33,711			(52,835	)		78,814
Nine Months Ended September 30, 2015
Net interest income (expense)	$	45,946	$	88,928	$	5,156	$	(1,313	)	$	—		$	138,717
Noninterest income		10,745		38,743		27,621		55,868			(53,642	)		79,335
Income before taxes		29,152		52,500		15,015		34,024			(53,372	)		77,319
Total Assets:
September 30, 2016	$	2,351,771	$	4,360,964	$	95,999	$	733,573		$	(758,770	)	$	6,783,537
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.