Business Segments (Tables)

3 Months Ended

Mar. 31, 2020

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The tables below summarize the financial results for each segment based primarily on the number of FTEs and assets within each segment for the three months ended March 31, 2020 and 2019:

	At or For the Three Months Ended March 31, 2020
Condensed income statement:	Home Lending		Commercial and Consumer Banking		Total
Net interest income (1)	$	1,181	$	16,292	$	17,473
Provision for loan losses		(559)		(3,127)		(3,686)
Noninterest income		5,158		3,733		8,891
Noninterest expense		(4,162)		(12,022)		(16,184)
Income before provision for income taxes		1,618		4,876		6,494
Provision for income taxes		(331)		(996)		(1,327)
Net income	$	1,287	$	3,880	$	5,167
Total average assets for period ended	$	327,441	$	1,406,594	$	1,734,035
FTEs		127		317		444

	At or For the Three Months Ended March 31, 2019
Condensed income statement:	Home Lending		Commercial and Consumer Banking		Total
Net interest income (1)	$	1,071	$	16,618	$	17,689
Provision for loan losses		(59)		(691)		(750)
Noninterest income		2,419		2,136		4,555
Noninterest expense		(3,304)		(11,493)		(14,797)
Income before provision for income taxes		127		6,570		6,697
Provision for income taxes		(29)		(1,476)		(1,505)
Net income	$	98	$	5,094	$	5,192
Total average assets for period ended	$	239,287	$	1,375,574	$	1,614,861
FTEs		112		314		426

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(1) Net interest income is the difference between interest earned on assets and the cost of liabilities to fund those assets. Interest earned includes actual interest earned on segment assets and, if the segment has excess liabilities, interest credits for providing funding to the other segment. The cost of liabilities includes interest expense on segment liabilities and, if the segment does not have enough liabilities to fund its assets, a funding charge based on the cost of assigned liabilities to fund segment assets.