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Operating Segments (Tables) | 12 Months Ended
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Dec. 31, 2024
Operating Segments |
Schedule of financial results by operating segment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2024 |  | 2023 |  | 2022
​ | ​ | ​ | ​ | ​ | (In Thousands) | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Interest income | ​ | $ | 324,698 | ​ | $ | 296,835 | ​ | $ | 226,977
Interest expense | ​ |  | 135,555 | ​ |  | 103,620 | ​ |  | 27,363
Net interest income | ​ |  | 189,143 | ​ |  | 193,215 | ​ |  | 199,614
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Credit loss expense | ​ |  | 2,716 | ​ |  | (3,079) | ​ |  | 6,187
Net interest income after credit loss expense | ​ |  | 186,427 | ​ |  | 196,294 | ​ |  | 193,427
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Income | ​ |  |  | ​ |  |  | ​ |  |
Commissions | ​ |  | 1,227 | ​ |  | 1,153 | ​ |  | 1,208
Overdraft and insufficient funds fees | ​ |  | 5,140 | ​ |  | 7,617 | ​ |  | 7,872
Point-of-sale and ATM fee income and service charges | ​ |  | 13,586 | ​ |  | 14,346 | ​ |  | 15,705
Net gain on loan sales | ​ |  | 3,779 | ​ |  | 2,354 | ​ |  | 2,584
Net realized loss on sales of available-for-sale securities | ​ |  | — | ​ |  | — | ​ |  | (130)
Late charges and fees on loans | ​ |  | 512 | ​ |  | 786 | ​ |  | 1,182
Fees from debit card contracts | ​ |  | 1,804 | ​ |  | 2,579 | ​ |  | 2,304
Other income | ​ |  | 4,517 | ​ |  | 1,238 | ​ |  | 3,416
​ | ​ |  | 30,565 | ​ |  | 30,073 | ​ |  | 34,141
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Expense | ​ |  |  | ​ |  |  | ​ |  |
Salaries and incentives | ​ |  | 63,954 | ​ |  | 63,641 | ​ |  | 61,091
Employee benefits | ​ |  | 14,645 | ​ |  | 14,880 | ​ |  | 14,209
Net occupancy expense | ​ |  | 12,430 | ​ |  | 12,357 | ​ |  | 11,963
Technology, furniture and equipment expense | ​ |  | 19,688 | ​ |  | 18,477 | ​ |  | 16,508
Postage | ​ |  | 3,329 | ​ |  | 3,590 | ​ |  | 3,379
Insurance | ​ |  | 4,622 | ​ |  | 4,542 | ​ |  | 3,197
Advertising | ​ |  | 3,124 | ​ |  | 3,396 | ​ |  | 3,261
Office supplies and printing | ​ |  | 1,008 | ​ |  | 1,057 | ​ |  | 867
Telephone | ​ |  | 2,772 | ​ |  | 2,730 | ​ |  | 3,170
Legal, audit and other professional fees | ​ |  | 5,399 | ​ |  | 7,086 | ​ |  | 6,330
Expense (income) on other real estate and repossessions | ​ |  | (304) | ​ |  | 311 | ​ |  | 359
Acquired intangible asset amortization | ​ |  | 433 | ​ |  | 286 | ​ |  | 768
Travel meals and entertainment | ​ |  | 2,066 | ​ |  | 2,076 | ​ |  | 1,827
Other operating expenses | ​ |  | 8,329 | ​ |  | 6,594 | ​ |  | 6,437
​ | ​ |  | 141,495 | ​ |  | 141,023 | ​ |  | 133,366
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Income Before Income Taxes | ​ |  | 75,497 | ​ |  | 85,344 | ​ |  | 94,202
Provision for Income Taxes | ​ |  | 13,690 | ​ |  | 17,544 | ​ |  | 18,254
Net Income | ​ | $ | 61,807 | ​ | $ | 67,800 | ​ | $ | 75,948

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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