v3.22.2.2

Segments | 9 Months Ended
--- | ---
Sep. 30, 2022
Segment Reporting [Abstract] |
Segments | The Company’s reportable segments represent business units with discrete financial information whose results are regularly reviewed by management. The four segments include Commercial Banking, Capital Bank Home Loans (the Company’s mortgage loan division), OpenSky® (the Company’s credit card division) and the Corporate Office. The following schedule presents financial information for each reportable segment at September 30, 2022 and September 30, 2021.
Segments |  |  |  |  |  |  |  |  |  |  |  |
For the Three Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |
(in thousands) |  | Commercial Bank |  | CBHL |  | OpenSky® |  | Corporate(2) |  | Eliminations |  | Consolidated
Interest income |  | $ | 20,382 |  |  | $ | 102 |  |  | $ | 17,103 |  |  | $ | 812 |  |  | $ | (59) |  |  | $ | 38,340 |
Interest expense |  | 1,449 |  |  | 40 |  |  | — |  |  | 233 |  |  | (59) |  |  | 1,663 |
Net interest income |  | 18,933 |  |  | 62 |  |  | 17,103 |  |  | 579 |  |  | — |  |  | 36,677 |
Provision (release of provision) for loan losses |  | (980) |  |  | — |  |  | 2,240 |  |  | — |  |  | — |  |  | 1,260 |
Net interest income after provision |  | 19,913 |  |  | 62 |  |  | 14,863 |  |  | 579 |  |  | — |  |  | 35,417 |
Noninterest income |  | 468 |  |  | 1,115 |  |  | 5,524 |  |  | 1 |  |  | — |  |  | 7,108 |
Noninterest expense(1) |  | 13,798 |  |  | 2,017 |  |  | 12,101 |  |  | 178 |  |  | — |  |  | 28,094 |
Net income (loss) before taxes |  | $ | 6,583 |  |  | $ | (840) |  |  | $ | 8,286 |  |  | $ | 402 |  |  | $ | — |  |  | $ | 14,431 |
Total assets |  | $ | 1,823,049 |  |  | $ | 7,664 |  |  | $ | 128,842 |  |  | $ | 234,731 |  |  | $ | (184,928) |  |  | $ | 2,009,358 |
For the Three Months Ended September 30, 2021 |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 17,109 |  |  | $ | 248 |  |  | $ | 15,635 |  |  | $ | 574 |  |  | $ | (38) |  |  | $ | 33,528 |
Interest expense |  | 1,160 |  |  | 177 |  |  | — |  |  | 170 |  |  | (38) |  |  | 1,469 |
Net interest income |  | 15,949 |  |  | 71 |  |  | 15,635 |  |  | 404 |  |  | — |  |  | 32,059 |
Provision for loan losses |  | — |  |  | — |  |  | 975 |  |  | — |  |  | — |  |  | 975 |
Net interest income after provision |  | 15,949 |  |  | 71 |  |  | 14,660 |  |  | 404 |  |  | — |  |  | 31,084 |
Noninterest income |  | 559 |  |  | 4,484 |  |  | 7,553 |  |  | 1 |  |  | — |  |  | 12,597 |
Noninterest expense(1) |  | 12,073 |  |  | 2,775 |  |  | 13,677 |  |  | 102 |  |  | — |  |  | 28,627 |
Net income before taxes |  | $ | 4,435 |  |  | $ | 1,780 |  |  | $ | 8,536 |  |  | $ | 303 |  |  | $ | — |  |  | $ | 15,054 |
Total assets |  | $ | 1,956,340 |  |  | $ | 36,791 |  |  | $ | 135,612 |  |  | $ | 209,070 |  |  | $ | (168,257) |  |  | $ | 2,169,556 |
________________________ (1) Noninterest expense includes $6.6 million and $9.4 million in data processing expense in OpenSky’s® segment for the three months ended September 30, 2022 and 2021, respectively. (2) The Corporate segment invests idle cash in revenue producing assets including interest-bearing cash accounts, loan participations and other appropriate investments for the Company.
For the Nine Months Ended September 30, 2022 |  |  |  |  |  |  |  |
(in thousands) |  | Commercial Bank |  | CBHL |  | OpenSky® |  | Corporate(2) |  | Eliminations |  | Consolidated
Interest income |  | $ | 57,794 |  |  | $ | 347 |  |  | $ | 48,823 |  |  | $ | 2,457 |  |  | $ | (123) |  |  | $ | 109,298 |
Interest expense |  | 3,255 |  |  | 185 |  |  | — |  |  | 573 |  |  | (123) |  |  | 3,890 |
Net interest income |  | 54,539 |  |  | 162 |  |  | 48,823 |  |  | 1,884 |  |  | — |  |  | 105,408 |
Provision (release of provision) for loan losses |  | (980) |  |  | — |  |  | 5,227 |  |  | — |  |  | — |  |  | 4,247 |
Net interest income after provision |  | 55,519 |  |  | 162 |  |  | 43,596 |  |  | 1,884 |  |  | — |  |  | 101,161 |
Noninterest income |  | 1,571 |  |  | 4,580 |  |  | 17,658 |  |  | 2 |  |  | — |  |  | 23,811 |
Noninterest expense(1) |  | 38,741 |  |  | 6,364 |  |  | 36,923 |  |  | 351 |  |  | — |  |  | 82,379 |
Net income (loss) before taxes |  | $ | 18,349 |  |  | $ | (1,622) |  |  | $ | 24,331 |  |  | $ | 1,535 |  |  | $ | — |  |  | $ | 42,593 |
Total assets |  | $ | 1,823,049 |  |  | $ | 7,664 |  |  | $ | 128,842 |  |  | $ | 234,731 |  |  | $ | (184,928) |  |  | $ | 2,009,358 |
For the Nine Months Ended September 30, 2021 |  |  |  |  |  |  |  |
Interest income |  | $ | 51,969 |  |  | $ | 1,037 |  |  | $ | 34,944 |  |  | $ | 1,604 |  |  | $ | (99) |  |  | $ | 89,455 |
Interest expense |  | 4,285 |  |  | 745 |  |  | — |  |  | 502 |  |  | (99) |  |  | 5,433 |
Net interest income |  | 47,684 |  |  | 292 |  |  | 34,944 |  |  | 1,102 |  |  | — |  |  | 84,022 |
Provision for loan losses |  | 433 |  |  | — |  |  | 1,756 |  |  | 70 |  |  | — |  |  | 2,259 |
Net interest income after provision |  | 47,251 |  |  | 292 |  |  | 33,188 |  |  | 1,032 |  |  | — |  |  | 81,763 |
Noninterest income |  | 1,212 |  |  | 17,529 |  |  | 21,208 |  |  | 43 |  |  | — |  |  | 39,992 |
Noninterest expense(1) |  | 31,962 |  |  | 9,941 |  |  | 39,379 |  |  | 290 |  |  | — |  |  | 81,572 |
Net income before taxes |  | $ | 16,501 |  |  | $ | 7,880 |  |  | $ | 15,017 |  |  | $ | 785 |  |  | $ | — |  |  | $ | 40,183 |
Total assets |  | $ | 1,956,340 |  |  | $ | 36,791 |  |  | $ | 135,612 |  |  | $ | 209,070 |  |  | $ | (168,257) |  |  | $ | 2,169,556 |
________________________ (1) Noninterest expense includes $20.9 million and $27.3 million in data processing expense in OpenSky’s® segment for the nine months ended September 30, 2022 and 2021, respectively. (2) The Corporate segment invests idle cash in revenue producing assets including interest-bearing cash accounts, loan participations and other appropriate investments for the Company.

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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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&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 https://asc.fasb.org/extlink&oid=126901519&loc=d3e8721-108599 Reference 14: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -URI https://asc.fasb.org/topic&trid=2134510 + Details
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