SEGMENTS

We operate three reportable operating segments: Community Banking, Insurance and Wealth Management.


•	Our Community Banking segment offers services which include accepting time and demand deposits, 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 represents total assets by reportable operating segment as of December 31:



(dollars in thousands)	2014		2013
Community Banking	$	4,954,728	$	4,524,939
Insurance	7,468		6,926
Wealth Management	2,490		1,325
Total Assets	$	4,964,686	$	4,533,190

The following tables provide financial information for our three segments. The financial results of the business segments include allocations for shared services based on an internal analysis that supports line of business and branch performance measurement. Shared services include expenses such as employee benefits, occupancy expense, computer support and other corporate overhead. Even with these allocations, the financial results are not necessarily indicative of the business segments’ financial condition and results of operations as 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.



	For the Year Ended December 31, 2014
(dollars in thousands)	Community Banking		Insurance		Wealth Management		Eliminations			Consolidated
Interest income	$	160,403	$	2	$	518	$	(400	)	$	160,523
Interest expense	13,989		—		—		(1,508		)	12,481
Net interest income	146,414		2		518		1,108			148,042
Provision for loan losses	1,715		—		—		—			1,715
Noninterest income	29,443		5,279		11,297		319			46,338
Noninterest expense	97,733		4,313		9,173		1,427			112,646
Depreciation expense	3,387		51		27		—			3,465
Amortization of intangible assets	1,039		51		39		—			1,129
Provision for income taxes	16,311		303		901		—			17,515
Net Income	$	55,672	$	563	$	1,675	$	—		$	57,910



	For the Year Ended December 31, 2013
(dollars in thousands)	Community Banking		Insurance			Wealth Management		Eliminations			Consolidated
Interest income	$	153,450	$	2		$	517	$	(213	)	$	153,756
Interest expense	16,508		—			—		(1,945		)	14,563
Net interest income	136,942		2			517		1,732			139,193
Provision for loan losses	8,311		—			—		—			8,311
Noninterest income	34,649		5,483			10,662		733			51,527
Noninterest expense	94,769		5,210			9,850		2,465			112,294
Depreciation expense	3,430		47			30		—			3,507
Amortization of intangible assets	1,492		51			48		—			1,591
Provision (benefit) for income taxes	14,180		(47		)	345		—			14,478
Net Income	$	49,409	$	224		$	906	$	—		$	50,539



	For the Year Ended December 31, 2012
(dollars in thousands)	Community Banking		Insurance			Wealth Management		Eliminations			Consolidated
Interest income	$	155,865	$	1		$	454	$	(69	)	$	156,251
Interest expense	22,135		—			—		(1,111		)	21,024
Net interest income	133,730		1			454		1,042			135,227
Provision for loan losses	22,815		—			—		—			22,815
Noninterest income	36,422		5,262			9,788		440			51,912
Noninterest expense	100,474		5,569			9,717		1,482			117,242
Depreciation expense	3,833		48			31		—			3,912
Amortization of intangible assets	1,600		52			57		—			1,709
Provision (benefit) for income taxes	7,420		(242		)	83		—			7,261
Net Income (Loss)	$	34,010	$	(164	)	$	354	$	—		$	34,200