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Segment Reporting
12 Months Ended
Dec. 31, 2024
Segment Reporting [Abstract]  
Segment Reporting Segment Reporting
The Corporation generates revenue through the operation of a full-service bank and manages the business activities on a consolidated basis. The nature of the products and services offered, and the types of customers served are similar across the geographic footprint the Bank operates in. The banking segment derives its revenue primarily through the operations as a full-service bank engaging in a full range of banking activities and services, including trust and wealth management services, for individual, business, governmental, and institutional customers. There are branch offices located in Pennsylvania, Ohio, New York and Virginia. The accounting policies of the banking segment are the same as those described in the summary of significant accounting policies. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.

The Corporation’s CODM is the Chief Executive Officer, Michael D. Peduzzi. The CODM assesses performance for the banking segment and decides how to allocate resources based on consolidated net income as reported on the income statement. The measure of segment assets is reported on the balance sheet as total consolidated assets. The CODM uses net income to evaluate overall financial performance and profitability, and it is utilized as a key metric in evaluating the achievement of the corporation’s strategic plan. Net income is used to monitor budget versus actual results. The comparison of budgeted versus actual net income results are used in assessing the banking segment’s performance and in establishing management’s compensation.
Information reported internally for performance assessment by the CODM follows, including reconciliation to the financial statements.

Year ended December 31,
202420232022
Interest and Dividend Income:
Loans including fees
Interest and fees on loans$293,544 $273,220 $194,149 
PPP fees— 1,889 
Investment Securities31,926 20,473 17,700 
Total interest and dividend income325,470 293,696 213,738 
Interest Expense:
Deposits133,493 97,770 19,833 
Borrowed funds4,508 6,097 4,246 
Total interest expense138,001 103,867 24,079 
NET INTEREST INCOME187,469 189,829 189,659 
PROVISION FOR CREDIT LOSS EXPENSE9,222 5,993 8,589 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE178,247 183,836 181,070 
NON-INTEREST INCOME:
Service charges on deposit accounts6,990 7,372 7,206 
Other service charges and fees2,973 3,010 3,196 
Wealth and asset management fees7,845 7,251 7,172 
Security gains (losses), net828 (335)(498)
Mortgage banking673 676 1,237 
Bank owned life insurance3,110 2,945 3,433 
Card processing and interchange income8,666 8,301 7,797 
Other non-interest income8,029 4,115 5,223 
Total non-interest income39,114 33,335 34,766 
NON-INTEREST EXPENSES:
Salaries54,089 50,871 44,495 
Incentive2,465 2,847 9,875 
Benefits17,982 17,344 17,090 
Net occupancy expense14,737 14,509 13,298 
Technology expense21,805 20,202 17,041 
State and local taxes4,726 4,126 4,078 
Legal, professional and examination fees4,217 4,414 4,173 
Advertising2,545 3,133 2,887 
FDIC insurance3,718 3,879 2,796 
Card processing and interchange expenses4,575 5,025 4,801 
Other non-interest expenses19,143 18,992 17,088 
Total non-interest expenses150,002 145,342 137,622 
INCOME BEFORE INCOME TAXES67,359 71,829 78,214 
INCOME TAX EXPENSE 12,784 13,809 15,026 
SEGMENT NET INCOME$54,575 $58,020 $63,188 
Reconciliation of profit or loss
Adjustments and reconciling items— — — 
CONSOLIDATED NET INCOME$54,575 $58,020 $63,188 
Reconciliation of assets
Adjustments and reconciling items— — 
TOTAL CONSOLIDATED ASSETS$6,192,010 $5,752,957