Segment (Tables)

9 Months Ended

Sep. 30, 2019

Segments

Schedule of business segment financial information

	Three Months Ended September 30, 2019					Three Months Ended September 30, 2018
(dollars in thousands)	Bank		Wealth	Mortgage	Total	Bank		Wealth	Mortgage	Total
Net interest income	$	9,203	4	67	9,274	$	8,107	71	200	8,378
Provision for loan losses		705	—	—	705		291	—	—	291
Net interest income after provision		8,498	4	67	8,569		7,816	71	200	8,087
Non-interest Income
Mortgage banking income		74	—	7,836	7,910		105	—	8,169	8,274
Wealth management income		31	891	—	922		59	871	—	930
SBA income		645	—	—	645		—	—	—	—
Net change in fair values		(23)	—	53	30		—	—	(333)	(333)
Other		534	—	(227)	307		363	—	(67)	296
Total non-interest income		1,261	891	7,662	9,814		527	871	7,769	9,167
Non-interest Expense
Salaries and employee benefits		4,248	564	4,507	9,319		3,264	445	5,192	8,901
Occupancy and equipment		530	34	382	946		521	29	370	920
Professional fees		410	2	408	820		590	9	115	714
Advertising and promotion		344	94	136	574		301	111	178	590
Other		1,393	140	960	2,493		1,259	314	1,055	2,628
Total non-interest expense		6,925	834	6,393	14,152		5,935	908	6,910	13,753
Operating Margin	$	2,834	61	1,336	4,231	$	2,408	34	1,059	3,501

	Nine Months Ended September 30, 2019					Nine Months Ended September 30, 2018
(dollars in thousands)	Bank		Wealth	Mortgage	Total	Bank		Wealth	Mortgage	Total
Net interest income	$	26,437	68	167	26,672	$	23,597	217	402	24,216
Provision for loan losses		938	—	—	938		1,258	—	—	1,258
Net interest income after provision		25,499	68	167	25,734		22,339	217	402	22,958
Non-interest Income
Mortgage banking income		175	—	18,964	19,139		148	—	20,259	20,407
Wealth management income		110	2,588	—	2,698		149	2,847	—	2,996
SBA income		1,160	—	—	1,160		—	—	—	—
Net change in fair values		(49)	—	341	292		—	—	(471)	(471)
Other		1,409	—	(510)	899		1,136	—	823	1,959
Total non-interest income		2,805	2,588	18,795	24,188		1,433	2,847	20,611	24,891
Non-interest Expense
Salaries and employee benefits		11,988	1,681	12,120	25,789		10,390	1,373	14,956	26,719
Occupancy and equipment		1,588	93	1,164	2,845		1,599	99	1,172	2,870
Professional fees		1,116	11	873	2,000		1,325	20	325	1,670
Advertising and promotion		1,084	57	628	1,769		917	319	566	1,802
Other		4,546	426	3,137	8,109		3,827	613	2,888	7,328
Total non-interest expense		20,322	2,268	17,922	40,512		18,058	2,424	19,907	40,389
Operating Margin	$	7,982	388	1,040	9,410	$	5,714	640	1,106	7,460