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International Operations

12 Months Ended

Dec. 31, 2022

(13) International Operations

We provide international banking services for our customers through our Subsidiary Banks. Neither we nor our Subsidiary Banks have facilities located outside the United States. International operations are distinguished from domestic operations based upon the domicile of the customer.

Because the resources we employ are common to both international and domestic operations, it is not practical to determine net income generated exclusively from international activities.

A summary of assets attributable to international operations at December 31, 2022 and 2021 are as follows:


	2022		2021

	(Dollars in Thousands)
Loans:
Commercial	$	103,748	$	91,861
Others		56,227		42,936
		159,975		134,797
Less allowance for probable loan losses		(968)		(762)
Net loans	$	159,007	$	134,035
Accrued interest receivable	$	515	$	605

At December 31, 2022 and December 31, 2021, we had $131,254,000 and $111,955,000, respectively, in outstanding standby and commercial letters of credit to facilitate trade activities.

Revenues directly attributable to international operations were approximately $4,821,000, $4,090,000 and $4,676,000 for the years ended December 31, 2022, 2021 and 2020, respectively.