Other Noninterest Income and Other Noninterest Expense

12 Months Ended

Dec. 31, 2015

Other Noninterest Income and Other Noninterest Expense

OTHER NONINTEREST INCOME AND OTHER NONINTEREST EXPENSE

Other noninterest income for the years ended December 31, 2015, 2014 and 2013 was $36.4 million, $29.3 million and $49.7 million, respectively. The most significant item in other noninterest income was recoveries on PCI loans that have been previously charged-off. BancShares records the portion of recoveries not covered under loss share agreements as noninterest income rather than as an adjustment to the allowance for loan losses since charge-offs on PCI loans are recorded against the discount recognized on the date of acquisition versus the allowance for loan losses. These recoveries were $21.2 million, $16.2 million and $29.7 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Other noninterest expense for the years ended December 31, 2015, 2014 and 2013 included the following:



(Dollars in thousands)	2015		2014		2013
Cardholder processing	$	21,735	$	15,133	$	13,780
Merchant processing	58,231		42,661		35,279
Collection	9,649		11,595		21,209
Processing fees paid to third parties	18,779		17,089		15,095
Cardholder reward programs	11,069		8,252		6,266
Telecommunications	14,406		10,834		10,033
Consultant	8,925		10,168		9,740
Core deposit intangible amortization	18,892		6,955		2,308
Advertising	12,431		11,461		8,286
Other	95,741		76,481		71,018
Total other noninterest expense	$	269,858	$	210,629	$	193,014