SEGMENTS

We manage three reportable operating segments including Community Banking, Insurance and Wealth Management.


•	Our Community Banking segment offers services which include accepting time and demand deposit accounts, originating commercial and consumer loans and providing letters of credit and credit card services.


•	Our Insurance segment includes a full-service insurance agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions and personal insurance lines.


•	Our Wealth Management segment offers discount brokerage services, services as executor and trustee under wills and deeds, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisor that manages private investment accounts for individuals and institutions.

The following table represents total assets by reportable operating segment as of the dates presented:



(dollars in thousands)	September 30, 2014		December 31, 2013
Community Banking	$	4,896,390	$	4,524,939
Insurance	8,078		6,926
Wealth Management	2,276		1,325
Total Assets	$	4,906,744	$	4,533,190

The following tables provide financial information for our three segments for the three and nine month periods ended September 30, 2014 and 2013. The financial results of the business segments include allocations for shared services based on an internal analysis that supports line of business performance measurement. Shared services include expenses such as employee benefits, occupancy expense, computer support and corporate overhead. Even with these allocations, the financial results are not necessarily indicative of the business segments’ financial condition and results of operations if they existed as independent entities. The information provided under the caption “Eliminations” represents operations not considered to be reportable segments and/or general operating expenses and eliminations and adjustments, which are necessary for purposes of reconciling to the Consolidated Financial Statements.



	Three Months Ended September 30, 2014
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated
Interest income	$	40,581	$	—	$	109	$	(85	)	$	40,605
Interest expense	3,435		—		—		(359		)	3,076
Net interest income	37,146		—		109		274			37,529
Provision for loan losses	1,454		—		—		—			1,454
Noninterest income	7,742		1,496		2,748		(55		)	11,931
Noninterest expense	23,691		1,127		2,245		219			27,282
Depreciation expense	878		13		7		—			898
Amortization of intangible assets	238		13		9		—			260
Provision for income taxes	4,577		120		209		—			4,906
Net Income	$	14,050	$	223	$	387	$	—		$	14,660



	Three Months Ended September 30, 2013
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated
Interest income	$	38,540	$	—	$	137	$	(96	)	$	38,581
Interest expense	3,949		—		—		(642		)	3,307
Net interest income	34,591		—		137		546			35,274
Provision for loan losses	3,419		—		—		—			3,419
Noninterest income	8,321		1,459		2,744		18			12,542
Noninterest expense	22,404		1,366		2,395		564			26,729
Depreciation expense	816		12		7		—			835
Amortization of intangible assets	355		13		11		—			379
Provision (benefit) for income taxes	4,027		18		162		—			4,207
Net Income	$	11,891	$	50	$	306	$	—		$	12,247


	Nine Months Ended September 30, 2014
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated
Interest income	$	119,055	$	1	$	419	$	(333	)	$	119,142
Interest expense	10,332		—		—		(1,165		)	9,167
Net interest income	108,723		1		419		832			109,975
Provision for loan losses	608		—		—		—			608
Noninterest income	22,118		4,262		8,511		227			35,118
Noninterest expense	72,756		3,327		6,961		1,059			84,103
Depreciation expense	2,485		38		20		—			2,543
Amortization of intangible assets	805		38		30		—			873
Provision for income taxes	12,579		301		672		—			13,552
Net Income	$	41,608	$	559	$	1,247	$	—		$	43,414


	Nine Months Ended September 30, 2013
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated
Interest income	$	114,733	$	1	$	411	$	(168	)	$	114,977
Interest expense	13,403		—		—		(1,965		)	11,438
Net interest income	101,330		1		411		1,797			103,539
Provision for loan losses	6,749		—		—		—			6,749
Noninterest income	27,144		4,406		8,130		535			40,215
Noninterest expense	70,293		4,002		7,428		2,332			84,055
Depreciation expense	2,609		35		23		—			2,667
Amortization of intangible assets	1,148		38		37		—			1,223
Provision (benefit) for income taxes	10,004		56		320		—			10,380
Net Income	$	37,671	$	276	$	733	$	—		$	38,680