SEGMENT INFORMATION

We operate three business segments: community banking, insurance services and trust and wealth management services. These segments are primarily identified by the products or services offered. The community banking segment consists of our full service banks which offer customers traditional banking products and services through various delivery channels. The insurance services segment includes two insurance agency offices that sell insurance products. The trust and wealth management segment includes Summit Community Bank's trust division and other non-bank investment products. The accounting policies discussed throughout the notes to the consolidated financial statements apply to each of our business segments.

Inter-segment revenue and expense consists of management fees allocated to the community banking, insurance services and trust and wealth management segments for all centralized functions that are performed by the parent, including overall direction in the areas of strategic planning, investment portfolio management, asset/liability management, financial reporting and other financial and administrative services. Information for each of our segments is included below:



	December 31, 2018
Dollars in thousands	Community Banking			Trust and Wealth Management		Insurance Services			Parent			Eliminations			Total
Net interest income	$	70,668		$	—	$	—		$	(871	)	$	—		$	69,797
Provision for loan losses	2,250			—		—			—			—			2,250
Net interest income after provision for loan losses	68,418			—		—			(871		)	—			67,547
Other income	10,559			2,653		4,210			1,555			(1,555		)	17,422
Other expenses	43,165			2,104		3,594			2,565			(1,555		)	49,873
Income (loss) before income taxes	35,812			549		616			(1,881		)	—			35,096
Income tax expense (benefit)	7,111			132		155			(374		)	—			7,024
Net income (loss)	$	28,701		417		$	461		$	(1,507	)	$	—		$	28,072
Inter-segment revenue (expense)	$	(1,436	)	$	—	$	(119	)	$	1,555		$	—		$	—
Average assets	$	2,146,357		$	—	$	6,085		$	231,737		$	(255,137	)	$	2,129,042
Capital expenditures	$	5,435		$	—	$	24		$	86		$	—		$	5,545



	December 31, 2017
Dollars in thousands	Community Banking			Trust and Wealth Management		Insurance Services			Parent			Eliminations			Total
Net interest income	$	66,837		$	—	$	—		$	(690	)	$	—		$	66,147
Provision for loan losses	1,250			—		—			—			—			1,250
Net interest income after provision for loan losses	65,587			—		—			(690		)	—			64,897
Other income	8,671			1,863		3,893			1,964			(1,964		)	14,427
Other expenses	52,221			1,712		3,314			2,462			(1,964		)	57,745
Income (loss) before income taxes	22,037			151		579			(1,188		)	—			21,579
Income tax expense (benefit)	9,672			56		65			(129		)	—			9,664
Net income (loss)	$	12,365		95		$	514		$	(1,059	)	$	—		$	11,915
Inter-segment revenue (expense)	$	(1,804	)	$	—	$	(160	)	$	1,964		$	—		$	—
Average assets	$	2,028,054		$	—	$	6,200		$	208,468		$	(236,382	)	$	2,006,340
Capital expenditures	$	6,054		$	—	$	39		$	92		$	—		$	6,185



	December 31, 2016
Dollars in thousands	Community Banking			Trust and Wealth Management		Insurance Services			Parent			Eliminations			Total
Net interest income	$	49,649		—		$	—		$	(642	)	$	—		$	49,007
Provision for loan losses	500			—		—			—			—			500
Net interest income after provision for loan losses	49,149			—		—			(642		)	—			48,507
Other income	7,213			449		3,951			1,541			(1,554		)	11,600
Other expenses	29,482			415		3,638			2,821			(1,554		)	34,802
Income (loss) before income taxes	26,880			34		313			(1,922		)	—			25,305
Income tax expense (benefit)	8,566			13		144			(715		)	—			8,008
Net income (loss)	18,314			21		169			(1,207		)	—			17,297
Inter-segment revenue (expense)	$	(1,441	)	$	—	$	(113	)	$	1,554		$	—		$	—
Average assets	$	1,620,723		$	—	$	5,984		$	173,999		$	(201,109	)	$	1,599,597
Capital expenditures	$	1,730		$	—	$	36		$	91		$	—		$	1,857