SEGMENT REPORTING (Tables)

12 Months Ended

Dec. 31, 2024

SEGMENT REPORTING [Abstract]

Segment Information

Accounting policies for the segment are the same as those described in Note 1.  The measure of segment assets is reported on the balance sheet as total consolidated assets. Segment performance is evaluated using consolidated net income. Information reported internally for performance assessment by the chief operating decision maker follows, inclusive of reconciliations of significant segment totals to the financial statements:

	Community Banking
	2024		2023		2022
Total Interest and Dividend Income	$	154,317	$	127,118	$	83,357
Total non-interest income		15,401		11,605		9,738
Total Consolidated Revenues		169,718		138,723		93,095
Less:
Interest Expense		67,862		46,858		11,223
Segment net interest income and non-interest income		101,856		91,865		81,872
Less:
Provision for credit losses		2,587		5,528		1,683
Salaries and employee benefits		39,347		34,990		27,837
Occupancy		5,013		4,123		3,138
Other segment expenses		21,226		25,709		13,719
Income Taxes		5,865		3,704		6,435
Segment net income/consolidated net income	$	27,818	$	17,811	$	29,060