Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
Mar. 31, 2025	Mar. 31, 2024
Interest Income
Interest and fees on loans	$ 126,136	$ 137,994
Interest and dividends on investment securities	11,912	12,680
Interest on balances with other banks and short-term investments	15,803	24,862
Interest on federal funds sold	27	66
Total interest income	153,878	175,602
Interest Expense
Interest on deposits	77,211	79,383
Interest on customer repurchase agreements	260	315
Interest on other short-term borrowings	8,733	21,206
Interest on long-term borrowings	2,025	0
Total interest expense	88,229	100,904
Net Interest Income	65,649	74,698
Provision for (reversal of) credit losses	26,255	35,175
Provision for (Reversal of) Credit Losses for Unfunded Commitments	(297)	456
Net Interest Income After Provision for (Reversal of) Credit Losses	39,691	39,067
Noninterest Income
Service charges on deposits	1,743	1,699
Net gain (loss) on sale of investment securities	4	4
Increase in the cash surrender value of bank-owned life insurance	4,282	703
Other income	2,178	1,183
Total noninterest income	8,207	3,589
Noninterest Expense
Salaries and employee benefits	21,968	21,726
Premises and equipment expenses	3,203	3,059
Marketing and advertising	1,371	859
Data processing	3,978	3,293
Legal, accounting and professional fees	3,122	2,507
FDIC insurance	8,962	6,412
Other expenses	2,847	2,141
Total noninterest expense	45,451	39,997
Income (Loss) Before Income Tax Expense	2,447	2,659
Income Tax Expense	772	2,997
Net Income (Loss)	$ 1,675	$ (338)
Earnings (Loss) Per Common Share
Basic (in dollars per share)	$ 0.06	$ (0.01)
Diluted (in dollars per share)	$ 0.06	$ (0.01)

Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from non transaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.

No definition available.