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Operating Segments (Tables)
12 Months Ended
Dec. 31, 2013
Operating Segments [Abstract]  
Financial Results By Operating Segment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the year ended December 31,2013

 

Oklahoma

 

Texas

 

Kansas

 

Mortgage

 

Other

 

Total

(Dollars in thousands)

Banking

 

Banking

 

Banking

 

Banking

 

Operations*

 

Company

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

$

34,725 

 

$

18,949 

 

$

10,527 

 

$

670 

 

$

(2,221)

 

$

62,650 

Provision for loan losses

 

(486)

 

 

(6,403)

 

 

(472)

 

 

148 

 

 

 

 

(7,209)

Noninterest income

 

6,943 

 

 

1,305 

 

 

1,944 

 

 

2,701 

 

 

750 

 

 

13,643 

Noninterest expenses

 

28,000 

 

 

9,494 

 

 

11,898 

 

 

2,287 

 

 

3,632 

 

 

55,311 

Income (loss) before taxes

 

14,154 

 

 

17,163 

 

 

1,045 

 

 

936 

 

 

(5,107)

 

 

28,191 

Taxes on income

 

5,400 

 

 

6,548 

 

 

399 

 

 

357 

 

 

(1,948)

 

 

10,756 

Net income (loss)

$

8,754 

 

$

10,615 

 

$

646 

 

$

579 

 

$

(3,159)

 

$

17,435 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

* Includes externally generated loss of $1.6 million, primarily from investing services, and an internally generated revenue of $0.1 million from the funds management unit

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fixed asset expenditures

$

85 

 

$

$

 

$

$

 

$

 -

 

$

$
1,753 

 

$

1,855 

Total loans at period end

 

681,991 

 

 

366,697 

 

 

198,992 

 

 

23,215 

 

 

 

 

1,270,903 

Total assets at period end

 

686,736 

 

 

361,058 

 

 

203,631 

 

 

26,162 

 

 

703,836 

 

 

1,981,423 

Total deposits at period end

 

1,113,715 

 

 

207,227 

 

 

247,884 

 

 

1,895 

 

 

13,365 

 

 

1,584,086 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the year ended December 31,2012

 

Oklahoma

 

Texas

 

Kansas

 

Mortgage

 

Other

 

Total

(Dollars in thousands)

Banking

 

Banking

 

Banking

 

Banking

 

Operations*

 

Company

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

$

37,954 

 

$

25,190 

 

$

9,685 

 

$

1,370 

 

$

2,364 

 

$

76,563 

Provision for loan losses

 

448 

 

 

5,364 

 

 

(2,705)

 

 

 -

 

 

 -

 

 

3,107 

Noninterest income

 

7,697 

 

 

1,854 

 

 

2,440 

 

 

2,771 

 

 

1,174 

 

 

15,936 

Noninterest expenses

 

29,406 

 

 

12,848 

 

 

13,767 

 

 

2,430 

 

 

4,871 

 

 

63,322 

Income (loss) before taxes

 

15,797 

 

 

8,832 

 

 

1,063 

 

 

1,711 

 

 

(1,333)

 

 

26,070 

Taxes on income

 

5,989 

 

 

3,348 

 

 

403 

 

 

649 

 

 

(506)

 

 

9,883 

Net income (loss)

$

9,808 

 

$

5,484 

 

$

660 

 

$

1,062 

 

$

(827)

 

$

16,187 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

* Includes externally generated revenue of $0.8 million, primarily from investing services, and an internally generated revenue of $2.8 million from the funds management unit

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fixed asset expenditures

$

178 

 

$

$
71 

 

$

$

 

$

 -

 

$

$
1,362 

 

$

1,619 

Total loans at period end

 

652,121 

 

 

520,481 

 

 

174,451 

 

 

31,682 

 

 

 -

 

 

1,378,735 

Total assets at period end

 

664,607 

 

 

515,675 

 

 

178,291 

 

 

34,304 

 

 

729,378 

 

 

2,122,255 

Total deposits at period end

 

1,254,348 

 

 

166,919 

 

 

270,368 

 

 

2,420 

 

 

15,523 

 

 

1,709,578 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the year ended December 31,2011

 

Oklahoma

 

Texas

 

Kansas

 

Mortgage

 

Other

 

Total

(Dollars in thousands)

Banking

 

Banking

 

Banking

 

Banking

 

Operations*

 

Company

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

$

43,005 

 

$

29,820 

 

$

12,414 

 

$

1,438 

 

$

9,655 

 

$

96,332 

Provision for loan losses

 

27,087 

 

 

98,335 

 

 

6,679 

 

 

 -

 

 

 -

 

 

132,101 

Noninterest income

 

7,781 

 

 

1,856 

 

 

2,065 

 

 

1,297 

 

 

1,019 

 

 

14,018 

Noninterest expenses

 

36,402 

 

 

28,727 

 

 

19,131 

 

 

2,121 

 

 

3,820 

 

 

90,201 

Income (loss) before taxes

 

(12,703)

 

 

(95,386)

 

 

(11,331)

 

 

614 

 

 

6,854 

 

 

(111,952)

Taxes on income

 

(4,955)

 

 

(37,196)

 

 

(4,419)

 

 

240 

 

 

2,673 

 

 

(43,657)

Net income (loss)

$

(7,748)

 

$

(58,190)

 

$

(6,912)

 

$

374 

 

$

4,181 

 

$

(68,295)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

* Includes externally generated revenue of $2.8 million, primarily from investing services, and an internally generated revenue of $7.9 million from the funds management unit

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fixed asset expenditures

$

366 

 

$

 

$

193 

 

$

 

$

1,119 

 

$

1,686 

Total loans at period end

 

858,212 

 

 

653,199 

 

 

213,382 

 

 

38,695 

 

 

 -

 

 

1,763,488 

Total assets at period end

 

888,839 

 

 

653,146 

 

 

219,481 

 

 

40,876 

 

 

574,934 

 

 

2,377,276 

Total deposits at period end

 

1,406,361 

 

 

156,101 

 

 

276,757 

 

 

1,430 

 

 

80,733 

 

 

1,921,382