| Schedule of Disaggregation of Revenue |
The following tables present the Corporation's non-interest income by revenue stream and reportable segment for the three and six month periods ended June 30, 2025 and 2024 (in thousands). Items outside the scope of ASC 606 are noted as such. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | Revenue by Operating Segment: Non-interest income | | Core Banking (b) | | WMG | | Holding Company and CFS | | Total | | Service charges on deposit accounts | | | | | | | | | | Overdraft fees | | $ | 719 | | | $ | — | | | $ | — | | | $ | 719 | | | Other | | 395 | | | — | | | — | | | 395 | | | Interchange revenue from debit card transactions | | 1,110 | | | — | | | — | | | 1,110 | | | WMG fee income | | — | | | 2,993 | | | — | | | 2,993 | | | CFS fee and commission income | | — | | | — | | | 270 | | | 270 | | | Net gains (losses) on sales of OREO | | 3 | | | — | | | — | | | 3 | | Net gains on sales of loans(a) | | 51 | | | — | | | — | | | 51 | | Loan servicing fees(a) | | 36 | | | — | | | — | | | 36 | | Net (losses) on sales of securities(a) | | (17,498) | | | — | | | — | | | (17,498) | | Changes in fair value of equity investments(a) | | 104 | | | — | | | 4 | | | 108 | | Income from bank-owned life insurance(a) | | 8 | | | — | | | — | | | 8 | | Other(a) | | 1,100 | | | — | | | — | | | 1,100 | | | Total non-interest income (loss) | | $ | (13,972) | | | $ | 2,993 | | | $ | 274 | | | $ | (10,705) | | | | | | | | | | |
(a) Not within scope of ASC 606. (b) The Core Banking column above includes amounts to eliminate transactions between segments.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2024 | Revenue by Operating Segment:
Non-interest income | | Core Banking (b) | | WMG | | Holding Company and CFS | | Total | | Service charges on deposit accounts | | | | | | | | | | Overdraft fees | | $ | 718 | | | $ | — | | | $ | — | | | $ | 718 | | | Other | | 246 | | | — | | | — | | | 246 | | | Interchange revenue from debit card transactions | | 1,141 | | | — | | | — | | | 1,141 | | | WMG fee income | | — | | | 2,860 | | | — | | | 2,860 | | | CFS fee and commission income | | — | | | — | | | 253 | | | 253 | | | Net gains (losses) on sales of OREO | | (3) | | | — | | | — | | | (3) | | Net gains on sales of loans(a) | | 39 | | | — | | | — | | | 39 | | Loan servicing fees(a) | | 36 | | | — | | | — | | | 36 | | | | | | | | | | | Changes in fair value of equity investments(a) | | 23 | | | — | | | (9) | | | 14 | | Income from bank-owned life insurance(a) | | 10 | | | — | | | — | | | 10 | | Other(a) | | 284 | | | — | | | — | | | 284 | | | Total non-interest income | | $ | 2,494 | | | $ | 2,860 | | | $ | 244 | | | $ | 5,598 | | | | | | | | | | |
(a) Not within scope of ASC 606. (b) The Core Banking column above includes amounts to eliminate transactions between segments. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | Revenue by Operating Segment: | | Core Banking (b) | | WMG | | Holding Company and CFS | | Total | | Non-interest income | | | | | | | | | | Service charges on deposit accounts | | | | | | | | | | Overdraft fees | | $ | 1,450 | | | $ | — | | | $ | — | | | $ | 1,450 | | | Other | | 784 | | | — | | | — | | | 784 | | | Interchange revenue from debit card transactions | | 2,147 | | | — | | | — | | | 2,147 | | | WMG fee income | | — | | | 5,860 | | | — | | | 5,860 | | | CFS fee and commission income | | — | | | — | | | 493 | | | 493 | | | Net gains (losses) on sales of OREO | | (8) | | | — | | | — | | | (8) | | Net gains on sales of loans(a) | | 91 | | | — | | | — | | | 91 | | Loan servicing fees(a) | | 72 | | | — | | | — | | | 72 | | Net (losses) on sales of securities(a) | | (17,498) | | | — | | | — | | | (17,498) | | Changes in fair value of equity investments(a) | | 71 | | | — | | | (10) | | | 61 | | Income from bank-owned life insurance(a) | | 16 | | | — | | | — | | | 16 | | Other(a) | | 1,716 | | | — | | | — | | | 1,716 | | | Total non-interest income | | $ | (11,159) | | | $ | 5,860 | | | $ | 483 | | | $ | (4,816) | | | | | | | | | | |
(a) Not within scope of ASC 606. (b) The Core Banking column above includes amounts to eliminate transactions between segments.
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2024 | | Revenue by Operating Segment: | | Core Banking (b) | | WMG | | Holding Company and CFS | | Total | | Non-interest income | | | | | | | | | | Service charges on deposit accounts | | | | | | | | | | Overdraft fees | | $ | 1,428 | | | $ | — | | | $ | — | | | $ | 1,428 | | | Other | | 485 | | | — | | | — | | | 485 | | | Interchange revenue from debit card transactions | | 2,204 | | | — | | | — | | | 2,204 | | | WMG fee income | | — | | | 5,563 | | | — | | | 5,563 | | | CFS fee and commission income | | — | | | — | | | 481 | | | 481 | | | Net gains on sales of OREO | | (3) | | | — | | | — | | | (3) | | Net gains on sales of loans(a) | | 71 | | | — | | | — | | | 71 | | Loan servicing fees(a) | | 72 | | | — | | | — | | | 72 | | | | | | | | | | | Change in fair value of equity securities(a) | | 140 | | | — | | | (25) | | | 115 | | Income from bank-owned life insurance(a) | | 19 | | | — | | | — | | | 19 | | Other(a) | | 820 | | | — | | | — | | | 820 | | | Total non-interest income | | $ | 5,236 | | | $ | 5,563 | | | $ | 456 | | | $ | 11,255 | | | | | | | | | | |
(a) Not within scope of ASC 606. (b) The Core Banking column above includes amounts to eliminate transactions between segments.
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