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Segment Reporting | 12 Months Ended
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Dec. 31, 2020
Segment Reporting |
Segment Reporting | NOTE 22 Segment Reporting The Company determines reportable segments based on the services offered, the significance of the services offered, the significance of those services to the Company’s financial statements, and management’s regular review of the operating results of those services. The Company operates through four operating segments: Banking, Retirement and Benefit Services, Wealth Management, and Mortgage. The financial information presented on each segment sets forth net interest income, provision for loan losses, direct noninterest income and direct noninterest expense before indirect allocations. Corporate Administration includes the indirect overhead expense and is set forth in the table below. The segment net income before taxes represents direct revenue and expense before indirect allocations and income taxes. The following table presents key metrics related to the Company’s segments for the periods presented: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year ended December 31, 2020
​ | ​ | ​ | ​ | ​ | Retirement and | ​ | Wealth | ​ | ​ | ​ | ​ | Corporate | ​ | ​ | ​
(dollars in thousands) |  | Banking |  | Benefit Services |  | Management |  | Mortgage |  | Administration |  | Consolidated
Net interest income | ​ | $ | 85,167 | ​ | $ | — | ​ | $ | — | ​ | $ | 2,092 | ​ | $ | (3,413) | ​ | $ | 83,846
Provision for loan losses | ​ | ​ | 10,900 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 10,900
Noninterest income | ​ | ​ | 10,017 | ​ | ​ | 60,956 | ​ | ​ | 17,451 | ​ | ​ | 61,641 | ​ | ​ | (694) | ​ | ​ | 149,371
Noninterest expense | ​ | ​ | 46,883 | ​ |  | 35,236 | ​ |  | 8,289 | ​ |  | 36,323 | ​ | ​ | 37,068 | ​ | ​ | 163,799
Net income before taxes | ​ | $ | 37,401 | ​ | $ | 25,720 | ​ | $ | 9,162 | ​ | $ | 27,410 | ​ | $ | (41,175) | ​ | $ | 58,518
Total assets |  | $ | 2,827,792 | ​ | $ | 47,758 | ​ | $ | 3,009 | ​ | $ | 125,078 | ​ | $ | 10,134 | ​ | $ | 3,013,771
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year ended December 31, 2019
​ | ​ | ​ | ​ | ​ | Retirement and | ​ | Wealth | ​ | ​ | ​ | ​ | Corporate | ​ | ​ | ​
(dollars in thousands) |  | Banking |  | Benefit Services |  | Management |  | Mortgage |  | Administration |  | Consolidated
Net interest income | ​ | $ | 76,916 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,245 | ​ | $ | (3,610) | ​ | $ | 74,551
Provision for loan losses | ​ |  | 7,312 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 7,312
Noninterest income | ​ |  | 6,970 | ​ |  | 63,811 | ​ |  | 15,502 | ​ |  | 25,805 | ​ |  | 2,106 | ​ |  | 114,194
Noninterest expense | ​ |  | 43,171 | ​ |  | 35,407 | ​ |  | 7,188 | ​ |  | 21,877 | ​ |  | 34,894 | ​ |  | 142,537
Net income before taxes | ​ | $ | 33,403 | ​ | $ | 28,404 | ​ | $ | 8,314 | ​ | $ | 5,173 | ​ | $ | (36,398) | ​ | $ | 38,896
Total assets |  | $ | 2,259,614 | ​ | $ | 39,021 | ​ | $ | 128 | ​ | $ | 47,703 | ​ | $ | 10,412 | ​ | $ | 2,356,878
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year ended December 31, 2018
​ | ​ | ​ | ​ | ​ | Retirement and | ​ | Wealth | ​ | ​ | ​ | ​ | Corporate | ​ | ​ | ​
(dollars in thousands) |  | Banking |  | Benefit Services |  | Management |  | Mortgage |  | Administration |  | Consolidated
Net interest income | ​ | $ | 77,919 | ​ | $ | — | ​ | $ | 62 | ​ | $ | 834 | ​ | $ | (3,591) | ​ | $ | 75,224
Provision for loan losses | ​ |  | 8,599 | ​ |  | — | ​ |  | — | ​ |  | 11 | ​ |  | — | ​ |  | 8,610
Noninterest income | ​ |  | 6,921 | ​ |  | 63,316 | ​ |  | 14,900 | ​ |  | 17,630 | ​ |  | (18) | ​ |  | 102,749
Noninterest expense | ​ |  | 42,605 | ​ |  | 36,414 | ​ |  | 6,824 | ​ |  | 17,199 | ​ |  | 33,283 | ​ |  | 136,325
Net income before taxes | ​ | $ | 33,636 | ​ | $ | 26,902 | ​ | $ | 8,138 | ​ | $ | 1,254 | ​ | $ | (36,892) | ​ | $ | 33,038
Total assets |  | $ | 2,120,249 | ​ | $ | 41,492 | ​ | $ | 3,235 | ​ | $ | 14,600 | ​ | $ | (506) | ​ | $ | 2,179,070
​ Banking The Banking division offers a complete line of loan, deposit, cash management, and treasury services through fourteen offices in North Dakota, Minnesota, and Arizona. These products and services are supported through web and mobile based applications. The majority of the Company’s assets and liabilities are in the Banking segments’ balance sheet. Retirement and Benefit Services Retirement and Benefit Services provides the following services nationally: recordkeeping and administration services to qualified retirement plans; ESOP trustee, recordkeeping, and administration; investment fiduciary services to retirement plans; health savings account, flex spending account, and Cobra recordkeeping and administration services to employers; payroll and HIRS services for employers. In addition, the division operates within the banking markets as well as in Lansing, Michigan, Littleton, Colorado. Wealth Management The Wealth Management division provides advisory and planning services, investment management, and trust and fiduciary services to clients across the Company’s footprint. Mortgage The mortgage division offers first and second mortgage loans through the Banking office locations.

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8924-108599 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8981-108599 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8721-108599 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9031-108599 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8844-108599 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9038-108599 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8736-108599 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9054-108599 Reference 12: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8657-108599 Reference 13: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8721-108599 Reference 14: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -URI http://asc.fasb.org/topic&trid=2134510 + Details
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