Operating Segments (Tables)

12 Months Ended

Dec. 31, 2021

Information about reportable segments and reconciliation of such information to the Consolidated Financial Statements follows:


	Year Ended December 31, 2021						Year Ended December 31, 2020
	Residential Mortgage		Banking		Consolidated		Residential Mortgage		Banking		Consolidated
Interest income	$	3,717	$	43,826	$	47,543	$	2,684	$	41,046	$	43,730
Interest expense	2,480		4,820		7,300		1,914		8,364		10,278
Net interest income	1,237		39,006		40,243		770		32,682		33,452
Provision for loan losses	—		(3,500)		(3,500)		—		16,900		16,900
Noninterest income:
Residential loan fee income	95,543		—		95,543		92,678		—		92,678
Internal transfer for portfolio loans originated	336		(336)		—		35		(35)		—
Other noninterest income	49		21,985		22,034		64		4,953		5,017
Total noninterest income	95,928		21,649		117,577		92,777		4,918		97,695
Total noninterest expense	80,279		48,563		128,842		65,229		33,240		98,469
Income before income tax expense	16,886		15,592		32,478		28,318		(12,540)		15,778
Income tax expense	4,661		3,199		7,860		7,929		(4,854)		3,075
Net income	$	12,225	$	12,393	$	24,618	$	20,389	$	(7,686)	$	12,703
Period end assets	$	115,810	$	801,285	$	917,095	$	217,422	$	1,327,269	$	1,544,691