GOODWILL AND INTANGIBLE ASSETS (Tables)

12 Months Ended

Dec. 31, 2024

GOODWILL AND INTANGIBLE ASSETS

Schedule of goodwill

Goodwill was as follows at year-end:

	2024		2023		2022
Beginning of year	$	86,985	$	86,985	$	86,135
Acquired goodwill		13,041		—		850
Impairment		—		—		—
End of year	$	100,026	$	86,985	$	86,985

Schedule of intangible assets subject to amortization

Intangible assets subject to amortization at December 31, 2024 and 2023 are as follows:

	2024				2023
	Gross		Accumulated		Gross		Accumulated
(Dollar amounts in thousands)	Amount		Amortization		Amount		Amortization
Core deposit intangible	$	21,858	$	17,159	$	21,857	$	16,271
Acquired core deposit intangible		19,788		2,942		—		—
	$	41,646	$	20,101	$	21,857	$	16,271

Schedule of estimated amortization expense

Estimated amortization expense for the next five years is as follows:

	In thousands
2025	$	5,310
2026		4,015
2027		2,995
2028		2,888
2029		2,471