Consolidated Statement of Income (Dollars in thousands) Scroll right to view more of the table. Year Ended December 31, 2014 2013 2012 Net Interest Income Interest income $853,808 $788,799 $742,715 Interest expense 255,843 233,864 233,028 Net interest income 597,965 554,935 509,687 Provision for (reversal of) provision for credit losses 3,015 (18,747) 15,051 Net interest income after provision for credit losses 594,950 573,682 494,636 Noninterest Income Patronage income from AgriBank, FCB 79,082 80,099 77,567 Loan fees 19,493 18,842 22,570 Insurance services 43,957 37,670 41,508 AgDirect program fees 36,896 33,650 31,958 AgDirect, LLP patronage income from AgriBank, FCB 14,792 9,736 5,875 Servicing fee income from AgriBank, FCB 1,485 1,776 2,177 Gains (losses) on other property owned 6,715 3,400 (291) Other noninterest income 8,223 2,831 20,260 Total noninterest income 210,643 188,004 201,624 Noninterest Expense Salaries and employee benefits 164,054 150,288 142,022 Occupancy and equipment expense 23,740 20,822 19,170 Insurance fund premiums 22,165 16,671 7,380 Other operating expenses 49,422 44,928 40,585 Capital transaction expense 863 1,039 1,197 Total noninterest expense 260,244 233,748 210,354 Income before income taxes 545,349 527,938 485,906 Provision for income taxes 8,868 13,296 4,820 Net income $536,481 $514,642 $481,086