XML 74 R61.htm IDEA: XBRL DOCUMENT v3.19.3
Business Segments - Segment Reporting (Details)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2019
USD ($)
Sep. 30, 2018
USD ($)
Sep. 30, 2019
USD ($)
segment
Sep. 30, 2018
USD ($)
Dec. 31, 2018
USD ($)
[1]
Business Segments          
Number of Operating Segments | segment     3    
Revenues:          
Interest income $ 23,992 $ 23,691 $ 71,219 $ 69,086  
Gains on sales of loans 3,205 1,752 8,296 6,399  
Other noninterest income 5,025 4,875 15,239 13,915  
Total operating income 32,222 30,318 94,754 89,400  
Expenses:          
Provision for loan losses 1,800 2,400 6,005 7,700  
Interest expense 3,769 2,803 10,724 8,043  
Salaries and employee benefits 11,730 10,967 35,132 32,773  
Other noninterest expenses 8,572 7,707 24,396 23,201  
Total operating expenses 25,871 23,877 76,257 71,717  
Income (loss) before income taxes 6,351 6,441 18,497 17,683  
Income tax expense (benefit) 1,466 1,340 3,999 3,620  
Net income 4,885 5,101 14,498 14,063  
Total assets 1,619,381 1,499,604 1,619,381 1,499,604 $ 1,521,411
Goodwill 14,425 14,425 14,425 14,425 $ 14,425
Capital expenditures 530 759 2,001 2,447  
Operating Segments | Retail Banking          
Revenues:          
Interest income 15,060 14,350 44,803 40,719  
Other noninterest income 2,874 2,971 8,899 8,486  
Total operating income 17,934 17,321 53,702 49,205  
Expenses:          
Provision for loan losses     110    
Interest expense 2,684 1,727 7,352 4,975  
Salaries and employee benefits 7,173 6,851 21,718 20,091  
Other noninterest expenses 5,224 4,958 15,267 14,776  
Total operating expenses 15,081 13,536 44,447 39,842  
Income (loss) before income taxes 2,853 3,785 9,255 9,363  
Income tax expense (benefit) 460 627 1,501 1,449  
Net income 2,393 3,158 7,754 7,914  
Total assets 1,436,986 1,329,507 1,436,986 1,329,507  
Goodwill 3,702 3,702 3,702 3,702  
Capital expenditures 453 692 1,741 2,286  
Operating Segments | Mortgage Banking          
Revenues:          
Interest income 814 602 1,833 1,468  
Gains on sales of loans 3,205 1,752 8,296 6,399  
Other noninterest income 1,426 1,246 4,232 3,349  
Total operating income 5,445 3,600 14,361 11,216  
Expenses:          
Interest expense 541 282 1,113 642  
Salaries and employee benefits 1,742 1,406 5,133 4,409  
Other noninterest expenses 1,526 1,248 4,105 3,841  
Total operating expenses 3,809 2,936 10,351 8,892  
Income (loss) before income taxes 1,636 664 4,010 2,324  
Income tax expense (benefit) 426 174 1,051 620  
Net income 1,210 490 2,959 1,704  
Total assets 115,547 60,592 115,547 60,592  
Capital expenditures 60 52 136 111  
Operating Segments | Consumer Finance          
Revenues:          
Interest income 10,442 10,650 30,952 32,230  
Other noninterest income 132 142 465 552  
Total operating income 10,574 10,792 31,417 32,782  
Expenses:          
Provision for loan losses 1,800 2,400 5,895 7,700  
Interest expense 2,596 2,418 7,765 6,900  
Salaries and employee benefits 2,233 2,160 6,581 6,653  
Other noninterest expenses 1,334 1,381 4,120 4,076  
Total operating expenses 7,963 8,359 24,361 25,329  
Income (loss) before income taxes 2,611 2,433 7,056 7,453  
Income tax expense (benefit) 710 664 1,921 2,030  
Net income 1,901 1,769 5,135 5,423  
Total assets 316,158 300,389 316,158 300,389  
Goodwill 10,723 10,723 10,723 10,723  
Capital expenditures 17 12 57 47  
Operating Segments | Other Segments [Member]          
Revenues:          
Interest income   4 4 4  
Other noninterest income 593 516 1,643 1,528  
Total operating income 593 520 1,647 1,532  
Expenses:          
Interest expense 272 291 867 861  
Salaries and employee benefits 582 550 1,700 1,620  
Other noninterest expenses 488 120 904 508  
Total operating expenses 1,342 961 3,471 2,989  
Income (loss) before income taxes (749) (441) (1,824) (1,457)  
Income tax expense (benefit) (130) (125) (474) (479)  
Net income (619) (316) (1,350) (978)  
Total assets 6,000 4,396 6,000 4,396  
Capital expenditures   3 67 3  
Intersegment Eliminations [Member]          
Revenues:          
Interest income (2,324) (1,915) (6,373) (5,335)  
Total operating income (2,324) (1,915) (6,373) (5,335)  
Expenses:          
Interest expense (2,324) (1,915) (6,373) (5,335)  
Total operating expenses (2,324) (1,915) (6,373) (5,335)  
Total assets $ (255,310) $ (195,280) $ (255,310) $ (195,280)  
[1] Derived from audited consolidated financial statements.