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OPERATING SEGMENTS (Tables) | 3 Months Ended
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Mar. 31, 2025
OPERATING SEGMENTS |
Schedule of financial results by operating segment | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended March 31,
​ |  | 2025 |  | 2024
​ | ​ | (In Thousands)
Interest income | ​ | $ | 80,243 | ​ | $ | 77,390
Interest expense | ​ |  | 30,909 | ​ |  | 32,574
Net interest income | ​ |  | 49,334 | ​ |  | 44,816
​ | ​ | ​ | ​ | ​ | ​ | ​
Credit loss expense | ​ |  | (348) | ​ |  | 630
Net interest income after credit loss expense | ​ |  | 49,682 | ​ |  | 44,186
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Income | ​ |  |  | ​ |  |
Commissions | ​ |  | 262 | ​ |  | 381
Overdraft and insufficient funds fees | ​ |  | 1,215 | ​ |  | 1,289
Point-of-sale and ATM fee income and service charges | ​ |  | 3,234 | ​ |  | 3,183
Net gain on loan sales | ​ |  | 601 | ​ |  | 677
Late charges and fees on loans | ​ |  | 243 | ​ |  | 167
Fees from debit card contracts | ​ |  | 501 | ​ |  | 755
Other income | ​ |  | 534 | ​ |  | 354
​ | ​ |  | 6,590 | ​ |  | 6,806
​ | ​ | ​ | ​ | ​ | ​ | ​
Non-interest Expense | ​ |  |  | ​ |  |
Salaries and incentives | ​ |  | 16,203 | ​ |  | 15,862
Employee benefits | ​ |  | 3,926 | ​ |  | 3,794
Net occupancy expense | ​ |  | 3,379 | ​ |  | 3,018
Technology, furniture and equipment expense | ​ |  | 5,154 | ​ |  | 4,821
Postage | ​ |  | 931 | ​ |  | 807
Insurance | ​ |  | 1,165 | ​ |  | 1,144
Advertising | ​ |  | 290 | ​ |  | 350
Office supplies and printing | ​ |  | 266 | ​ |  | 267
Telephone | ​ |  | 706 | ​ |  | 721
Legal, audit and other professional fees | ​ |  | 1,038 | ​ |  | 1,725
Expense (income) on other real estate and repossessions | ​ |  | (70) | ​ |  | 61
Acquired intangible asset amortization | ​ |  | 108 | ​ |  | 108
Travel meals and entertainment | ​ |  | 348 | ​ |  | 312
Other operating expenses | ​ |  | 1,378 | ​ |  | 1,432
​ | ​ |  | 34,822 | ​ |  | 34,422
​ | ​ | ​ | ​ | ​ | ​ | ​
Income Before Income Taxes | ​ |  | 21,450 | ​ |  | 16,570
Provision for Income Taxes | ​ |  | 4,290 | ​ |  | 3,163
Net Income | ​ | $ | 17,160 | ​ | $ | 13,407
​

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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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