Business Segments (Tables)

12 Months Ended

Dec. 31, 2017

Business Segments

Schedule of segment reporting information, by segment

	Year Ended December 31, 2017
	Retail		Mortgage		Consumer
(Dollars in thousands)	Banking		Banking		Finance		Other		Eliminations		Consolidated
Revenues:
Interest income	$	49,564	$	1,660	$	44,745	$	1	$	(6,377)	$	89,593
Gains on sales of loans		—		8,553		—		—		—		8,553
Other noninterest income		10,633		4,653		995		1,905		—		18,186
Total operating income		60,197		14,866		45,740		1,906		(6,377)		116,332
Expenses:
Provision for loan losses		200		—		16,235		—		—		16,435
Interest expense		6,076		587		8,164		1,151		(6,377)		9,601
Salaries and employee benefits		25,264		6,503		9,389		1,948		—		43,104
Other noninterest expenses		17,951		5,185		5,421		669		—		29,226
Total operating expenses		49,491		12,275		39,209		3,768		(6,377)		98,366
Income (loss) before income taxes		10,706		2,591		6,531		(1,862)		—		17,966
Income tax expense (benefit)		5,727		1,606		4,198		(137)		—		11,394
Net income (loss)	$	4,979	$	985	$	2,333	$	(1,725)	$	—	$	6,572
Total assets	$	1,341,879	$	69,537	$	292,438	$	(604)	$	(194,194)	$	1,509,056
Goodwill	$	3,702	$	—	$	10,723	$	—	$	—	$	14,425
Capital expenditures	$	3,352	$	410	$	232	$	14	$	—	$	4,008

	Year Ended December 31, 2016
	Retail		Mortgage		Consumer
(Dollars in thousands)	Banking		Banking		Finance		Other		Eliminations		Consolidated
Revenues:
Interest income	$	46,071	$	1,689	$	47,150	$	2	$	(5,473)	$	89,439
Gains on sales of loans		—		8,120		—		—		—		8,120
Other noninterest income		11,400		3,913		921		1,273		—		17,507
Total operating income		57,471		13,722		48,071		1,275		(5,473)		115,066
Expenses:
Provision for loan losses		—		—		18,040		—		—		18,040
Interest expense		5,790		435		7,073		1,143		(5,473)		8,968
Salaries and employee benefits		24,613		5,664		10,102		1,546		—		41,925
Other noninterest expenses		17,433		4,815		5,437		530		—		28,215
Total operating expenses		47,836		10,914		40,652		3,219		(5,473)		97,148
Income (loss) before income taxes		9,635		2,808		7,419		(1,944)		—		17,918
Income tax expense (benefit)		1,425		1,121		2,882		(969)		—		4,459
Net income (loss)	$	8,210	$	1,687	$	4,537	$	(975)	$	—	$	13,459
Total assets	$	1,290,733	$	65,351	$	306,012	$	6,005	$	(216,109)	$	1,451,992
Goodwill	$	3,702	$	—	$	10,723	$	—	$	—	$	14,425
Capital expenditures	$	2,376	$	314	$	386	$	42	$	—	$	3,118

	Year Ended December 31, 2015
	Retail		Mortgage		Consumer
(Dollars in thousands)	Banking		Banking		Finance		Other		Eliminations		Consolidated
Revenues:
Interest income	$	42,960	$	1,698	$	47,053	$	—	$	(4,662)	$	87,049
Gains on sales of loans		—		6,336		—		—		—		6,336
Other noninterest income		9,083		2,621		1,095		1,579		—		14,378
Total operating income		52,043		10,655		48,148		1,579		(4,662)		107,763
Expenses:
Provision for loan losses		—		45		15,467		—		—		15,512
Interest expense		5,682		310		6,201		1,163		(4,662)		8,694
Salaries and employee benefits		23,185		4,594		9,758		1,389		—		38,926
Other noninterest expenses		17,155		4,563		4,970		560		—		27,248
Total operating expenses		46,022		9,512		36,396		3,112		(4,662)		90,380
Income (loss) before income taxes		6,021		1,143		11,752		(1,533)		—		17,383
Income tax expense (benefit)		392		466		4,573		(578)		—		4,853
Net income (loss)	$	5,629	$	677	$	7,179	$	(955)	$	—	$	12,530
Total assets	$	1,233,976	$	58,206	$	295,430	$	4,973	$	(187,509)	$	1,405,076
Goodwill	$	3,702	$	—	$	10,723	$	—	$	—	$	14,425
Capital expenditures	$	1,597	$	100	$	211	$	1	$	—	$	1,909