Consolidated Statement of Income (Dollars in thousands) Scroll right to view more of the table. Year Ended December 31, 2018 2017 2016 Net Interest Income Interest income $1,303,132 $1,125,049 $1,003,281 Interest expense 561,435 422,832 326,227 Net interest income 741,697 702,217 677,054 Provision for (reversal of) provision for credit losses 29,865 30,912 49,464 Net interest income after provision for credit losses 711,832 671,305 627,590 Noninterest Income Patronage income from AgriBank, FCB 133,243 123,431 65,713 Loan fees 18,247 19,596 23,279 Insurance services 46,985 47,919 47,043 AgDirect program fees 34,707 36,456 36,863 FCSIC insurance refund 16,215 - - Patronage income from AgDirect, LLP 10,659 10,187 11,423 Servicing fee income from AgriBank, FCB 683 824 1,017 Other noninterest income 7,469 7,054 8,168 Total noninterest income 268,208 245,467 193,506 Noninterest Expense Salaries and employee benefits 217,969 203,303 185,963 Occupancy and equipment expense 28,014 27,951 26,117 Insurance fund premiums 21,483 33,802 36,518 Other operating expenses 69,269 63,849 58,339 Loss on investment in RBIC 1,704 292 - Loss on other property owned 1,612 163 10 Capital transaction expense - - 341 Total noninterest expense 340,051 329,360 307,288 Income before income taxes 639,989 587,412 513,808 Provision for income taxes 6,951 4,959 3,688 Net income $633,038 $582,453 $510,120