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Segment Information
 12 Months Ended
Dec. 31, 2012
Segment Information [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, 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  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

December 31, 2011

                                                

Net interest income (expense)

   $ 50,952     $ 102,528     $ 7,055     $ (3,638 )    $ —       $ 156,897  

Provision for loan losses

     21       4,205       276       13       —         4,515  

Noninterest income

     11,226       39,529       23,148       51,144       (48,086 )      76,961  

Depreciation and amortization

     1,733       6,128       505       1,316       —         9,682  

Other expenses

     29,527       74,527       19,569       25,627       (286 )      148,964  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Income before taxes

   $ 30,897     $ 57,197     $ 9,853     $ 20,550     $ (47,800 )    $ 70,697  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total assets

   $ 1,738,426     $ 3,660,239     $ 153,872     $ 602,577     $ (546,289 )    $ 5,608,825  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Capital expenditures

   $ 2,265     $ 12,561     $ 107     $ 1,447     $ —       $ 16,380  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

December 31, 2010

                                                

Net interest income (expense)

   $ 46,928     $ 91,730     $ 7,489     $ (3,390 )    $ —       $ 142,757  

Provision for loan losses

     528       2,199       228       (1 )      —         2,954  

Noninterest income

     10,687       35,818       20,822       46,809       (44,198 )      69,938  

Depreciation and amortization

     1,628       5,269       502       1,132       —         8,531  

Other expenses

     26,738       66,838       18,394       23,879       (285 )      135,564  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Income before taxes

   $ 28,721     $ 53,242     $ 9,187     $ 18,409     $ (43,913 )    $ 65,646  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Total assets

   $ 1,534,552     $ 3,298,409     $ 140,854     $ 611,979     $ (525,545 )    $ 5,060,249  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

Capital expenditures

   $ 1,614     $ 4,584     $ 162     $ 1,148     $ —       $ 7,508  
   

 

 

    

 

 

    

 

 

    

 

 

    

 

 

    

 

 

  

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.