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International Operations

12 Months Ended

Dec. 31, 2024

(12) 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, 2024 and 2023 are as follows:


	2024		2023

	(Dollars in Thousands)
Loans:
Commercial	$	99,836	$	106,241
Others		86,725		74,454
		186,561		180,695
Less allowance for probable credit losses		(1,346)		(1,283)
Net loans	$	185,215	$	179,412
Accrued interest receivable	$	991	$	515

At December 31, 2024 and December 31, 2023, we had $149,543,000 and $147,551,000, respectively, in outstanding standby and commercial letters of credit to facilitate trade activities.

Revenues directly attributable to international operations were approximately $8,669,000, $8,212,000, and $4,821,000 for the years ended December 31, 2024, 2023 and 2022, respectively.