| Schedule of Segment Reporting Information |
Significant segment totals, including significant expense categories provided to the CODM are reconciled to the financial statements as follows for the year ended December 31,: | | | | | | | | | | | | | | | | | | | | | | | | | Banking | | Mortgage Operations | | Corporate | | Total Segments | | 2025 | | | | | | | | | Summary of Operations | | | | | | | | | Interest income | $ | 420,276 | | | $ | 47,462 | | | $ | 31 | | | $ | 467,769 | | | Interest expense | 123,245 | | | 22,608 | | | 4,525 | | | 150,378 | | | Net interest income (expense) | 297,031 | | | 24,854 | | | (4,494) | | | 317,391 | | | | | | | | | | | Provision for (benefit from) credit losses | 26,727 | | | (2,127) | | | — | | | 24,600 | | | | | | | | | | | Noninterest income: | | | | | | | | | Deposit account service fees | 8,321 | | | — | | | — | | | 8,321 | | | Treasury management service fees | 17,473 | | | — | | | — | | | 17,473 | | | Credit and debit card fees | 10,725 | | | 4 | | | — | | | 10,729 | | | Trust and investment advisory fees | 5,945 | | | — | | | — | | | 5,945 | | | Mortgage banking services, net | (2,549) | | | 49,621 | | | — | | | 47,072 | | | Other noninterest income | 12,384 | | | (45) | | | — | | | 12,339 | | | Total noninterest income | 52,299 | | | 49,580 | | | — | | | 101,879 | | | | | | | | | | | Noninterest expense: | | | | | | | | | Salary and employee benefits | 131,548 | | | 37,839 | | | 2,437 | | | 171,824 | | | Occupancy, equipment and software | 34,735 | | | 3,217 | | | 292 | | | 38,244 | | | | | | | | | | | Amortization and impairment of intangible assets | 2,412 | | | — | | | — | | | 2,412 | | | Merger related expenses | 509 | | | — | | | 2,234 | | | 2,743 | | | Other noninterest expenses | 36,777 | | | 17,871 | | | 1,903 | | | 56,551 | | | Total noninterest expense | 205,981 | | | 58,927 | | | 6,866 | | | 271,774 | | | | | | | | | | | Income (loss) before income taxes | $ | 116,622 | | | $ | 17,634 | | | $ | (11,360) | | | $ | 122,896 | | | | | | | | | | | Other Information | | | | | | | | | Depreciation expense and amortization on premises and equipment | $ | 8,099 | | | $ | 149 | | | $ | — | | | $ | 8,248 | | | Identifiable assets | $ | 7,181,077 | | | $ | 1,205,301 | | | $ | 98,784 | | | $ | 8,485,162 | |
| | | | | | | | | | | | | | | | | | | | | | | | | Banking | | Mortgage Operations | | Corporate | | Total Segments | | 2024 | | | | | | | | | Summary of Operations | | | | | | | | | Interest income | $ | 420,386 | | | $ | 39,119 | | | $ | 35 | | | $ | 459,540 | | | Interest expense | 137,147 | | | 20,532 | | | 4,951 | | | 162,630 | | | Net interest income (expense) | 283,239 | | | 18,587 | | | (4,916) | | | 296,910 | | | | | | | | | | | Provision for (benefit from) credit losses | 28,415 | | | (865) | | | — | | | 27,550 | | | | | | | | | | | Noninterest income: | | | | | | | | | Deposit account service fees | 9,499 | | | (4) | | | — | | | 9,495 | | | Treasury management service fees | 14,829 | | | — | | | — | | | 14,829 | | | Credit and debit card fees | 11,148 | | | 5 | | | — | | | 11,153 | | | Trust and investment advisory fees | 5,787 | | | — | | | — | | | 5,787 | | | Mortgage banking services, net | (2,405) | | | 41,419 | | | — | | | 39,014 | | | Other noninterest income | 9,514 | | | — | | | — | | | 9,514 | | | Total noninterest income | 48,372 | | | 41,420 | | | — | | | 89,792 | | | | | | | | | | | Noninterest expense: | | | | | | | | | Salary and employee benefits | 121,492 | | | 31,639 | | | 1,854 | | | 154,985 | | | Occupancy, equipment and software | 32,864 | | | 3,179 | | | 239 | | | 36,282 | | | | | | | | | | | Amortization of intangible assets | 3,549 | | | — | | | — | | | 3,549 | | | Merger related expenses | 8,641 | | | — | | | 4,537 | | | 13,178 | | | Other noninterest expenses | 38,363 | | | 16,393 | | | 1,290 | | | 56,046 | | | Total noninterest expense | 204,909 | | | 51,211 | | | 7,920 | | | 264,040 | | | | | | | | | | | Income (loss) before income taxes | $ | 98,287 | | | $ | 9,661 | | | $ | (12,836) | | | $ | 95,112 | | | | | | | | | | | Other Information | | | | | | | | | Depreciation expense and amortization on premises and equipment | $ | 7,189 | | | $ | 186 | | | $ | — | | | $ | 7,375 | | | Identifiable assets | $ | 6,812,204 | | | $ | 1,147,686 | | | $ | 137,497 | | | $ | 8,097,387 | |
| | | | | | | | | | | | | | | | | | | | | | | | | Banking | | Mortgage Operations | | Corporate | | Total Segments | | 2023 | | | | | | | | | Summary of Operations | | | | | | | | | Interest income | $ | 386,535 | | | $ | 27,113 | | | $ | 36 | | | $ | 413,684 | | | Interest expense | 93,962 | | | 21,242 | | | 5,049 | | | 120,253 | | | Net interest income (expense) | 292,573 | | | 5,871 | | | (5,013) | | | 293,431 | | | | | | | | | | | Provision for credit losses | 15,790 | | | 2,457 | | | — | | | 18,247 | | | | | | | | | | | Noninterest income: | | | | | | | | | Deposit account service fees | 9,940 | | | — | | | — | | | 9,940 | | | Treasury management service fees | 11,724 | | | — | | | — | | | 11,724 | | | Credit and debit card fees | 11,681 | | | — | | | — | | | 11,681 | | | Trust and investment advisory fees | 5,693 | | | — | | | — | | | 5,693 | | | Mortgage banking services, net | (1,676) | | | 33,060 | | | — | | | 31,384 | | | Other noninterest income | 8,670 | | | — | | | — | | | 8,670 | | | Total noninterest income | 46,032 | | | 33,060 | | | — | | | 79,092 | | | | | | | | | | | Noninterest expense: | | | | | | | | | Salary and employee benefits | 106,030 | | | 25,313 | | | 1,888 | | | 133,231 | | | Occupancy, equipment and software | 30,461 | | | 2,775 | | | 190 | | | 33,426 | | | | | | | | | | | Amortization of intangible assets | 4,822 | | | — | | | — | | | 4,822 | | | Merger related expenses | — | | | — | | | — | | | — | | | Other noninterest expenses | 34,343 | | | 14,933 | | | 2,038 | | | 51,314 | | | Total noninterest expense | 175,656 | | | 43,021 | | | 4,116 | | | 222,793 | | | | | | | | | | | Income (loss) before income taxes | $ | 147,159 | | | $ | (6,547) | | | $ | (9,129) | | | $ | 131,483 | | | | | | | | | | | Other Information | | | | | | | | | Depreciation expense and amortization on premises and equipment | $ | 7,187 | | | $ | 233 | | | $ | — | | | $ | 7,420 | | | Identifiable assets | $ | 6,907,741 | | | $ | 910,728 | | | $ | 61,255 | | | $ | 7,879,724 | |
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