Other Noninterest Income and Other Noninterest Expense

12 Months Ended

Dec. 31, 2016

Other Noninterest Income and Other Noninterest Expense

OTHER NONINTEREST INCOME AND OTHER NONINTEREST EXPENSE

Other noninterest income for the years ended December 31, 2016, 2015 and 2014 was $34.2 million, $36.4 million and $29.3 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 shared-loss agreements as noninterest income rather than as an adjustment to the allowance for loan losses. These recoveries were $20.1 million, $21.2 million and $16.2 million for the years ended December 31, 2016, 2015 and 2014, respectively. Charge-offs on PCI loans are recorded against the discount recognized on the date of acquisition versus through the allowance for loan losses unless an allowance was established subsequent to the acquisition date due to declining expected cash flow.

Other noninterest expense for the years ended December 31, 2016, 2015 and 2014 included the following:



(Dollars in thousands)	2016		2015		2014
Collection	$	8,889	$	9,649	$	11,595
Processing fees paid to third parties	18,976		18,779		17,089
Cardholder reward programs	10,615		11,069		8,252
Telecommunications	14,496		14,406		10,834
Consultant	10,931		8,925		10,168
Core deposit intangible amortization	16,851		18,892		6,955
Advertising	10,239		12,431		11,461
Other	109,050		95,741		76,481
Total other noninterest expense	$	200,047	$	189,892	$	152,835