v3.25.1
OPERATING SEGMENTS - Financial Results (Details) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
OPERATING SEGMENTS    
Interest income $ 80,243 $ 77,390
Interest expense 30,909 32,574
NET INTEREST INCOME 49,334 44,816
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 gains on loan sales 601 677
Late charges and fees on loans 243 167
Other income 1,059 1,122
TOTAL NON-INTEREST INCOME 6,590 6,806
NON-INTEREST EXPENSE    
Net occupancy expense 8,533 7,839
Postage 931 807
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
Other operating expenses 1,726 1,744
TOTAL NON-INTEREST EXPENSE 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
Banking segment    
OPERATING SEGMENTS    
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 gains on loan sales 601 677
Late charges and fees on loans 243 167
Fees from debit card contracts 501 755
Other income 534 354
TOTAL NON-INTEREST INCOME 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
TOTAL NON-INTEREST EXPENSE 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