18.OPERATING LEASES

We lease certain properties and equipment with lease terms expiring through 2038. In most instances, the property leases provide for the renegotiation of rental terms at fixed intervals, and generally contain renewal options for periods ranging from five to 15 years.

Net rent expense for all operating leases for the years ended December 31, 2014, 2013 and 2012 is summarized as follows:

	Year Ended December 31,
	2014		2013			2012
	(Dollars in thousands)

Rent expense charged to net occupancy	$	10,210	$	9,840		$	10,053
Less sublease income	—		(52		)	(25		)
Net rent expense charged to net occupancy	10,210		9,788			10,028
Rent expense charged to equipment expense	53		93			104
Total net rent expense	$	10,263	$	9,881		$	10,132

The following is a schedule of future minimum rental commitments for all noncancellable operating leases that had initial lease terms in excess of one year at December 31, 2014 (in thousands):

Year ending December 31:
2015	$	7,756
2016	6,213
2017	5,643
2018	4,711
2019	3,961
Thereafter	24,604
Total	$	52,888

In addition, the Company, as lessor, leases certain properties that it owns. The following is a schedule of future minimum rental income for those noncancellable operating leases that had initial lease terms in excess of one year at December 31, 2014 (in thousands):

Year ending December 31:
2015	$	2,798
2016	1,713
2017	1,133
2018	506
2019	178
Thereafter	153
Total	$	6,481

In instances where the lease calls for a renegotiation of rental payments, the lease rental payment in effect prior to renegotiation was used throughout the remaining lease term.