​

Three Months Ended March 31,

​

2025

2024

​

​

(In Thousands)

Interest income

​

$

80,243

​

$

77,390

Interest expense

​

30,909

​

32,574

Net interest income

​

49,334

​

44,816

​

​

​

​

​

​

​

Credit loss expense

​

(348)

​

630

Net interest income after credit loss expense

​

49,682

​

44,186

​

​

​

​

​

​

​

Non-interest Income

​

​

Commissions

​

262

​

381

Overdraft and insufficient funds fees

​

1,215

​

1,289

Point-of-sale and ATM fee income and service charges

​

3,234

​

3,183

Net gain on loan sales

​

601

​

677

Late charges and fees on loans

​

243

​

167

Fees from debit card contracts

​

501

​

755

Other income

​

534

​

354

​

​

6,590

​

6,806

​

​

​

​

​

​

​

Non-interest Expense

​

​

Salaries and incentives

​

16,203

​

15,862

Employee benefits

​

3,926

​

3,794

Net occupancy expense

​

3,379

​

3,018

Technology, furniture and equipment expense

​

5,154

​

4,821

Postage

​

931

​

807

Insurance

​

1,165

​

1,144

Advertising

​

290

​

350

Office supplies and printing

​

266

​

267

Telephone

​

706

​

721

Legal, audit and other professional fees

​

1,038

​

1,725

Expense (income) on other real estate and repossessions

​

(70)

​

61

Acquired intangible asset amortization

​

108

​

108

Travel meals and entertainment

​

348

​

312

Other operating expenses

​

1,378

​

1,432

​

​

34,822

​

34,422

​

​

​

​

​

​

​

Income Before Income Taxes

​

21,450

​

16,570

Provision for Income Taxes

​

4,290

​

3,163

Net Income

​

$

17,160

​

$

13,407