XML 33 R114.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Business Segments - Segment Reporting (Details)
$ in Thousands
3 Months Ended 12 Months Ended
Dec. 31, 2019
USD ($)
Sep. 30, 2019
USD ($)
Jun. 30, 2019
USD ($)
Mar. 31, 2019
USD ($)
Dec. 31, 2018
USD ($)
Sep. 30, 2018
USD ($)
Jun. 30, 2018
USD ($)
Mar. 31, 2018
USD ($)
Dec. 31, 2019
USD ($)
segment
Dec. 31, 2018
USD ($)
Dec. 31, 2017
USD ($)
Business Segments                      
Number of principal business segments | segment                 3    
Revenues:                      
Interest income $ 23,791 $ 23,992 $ 24,276 $ 22,951 $ 23,462 $ 23,691 $ 22,651 $ 22,744 $ 95,010 $ 92,548 $ 89,593
Gains on sales of loans                 10,603 7,841 8,553
Other noninterest income                 21,409 17,917 18,679
Total operating income                 127,022 118,306 116,825
Expenses:                      
Provision for loan losses                 8,515 11,006 16,435
Interest expense                 14,556 11,027 9,601
Salaries and employee benefits                 47,201 42,003 43,597
Depreciation and amortization                 3,866 3,671 3,447
Other noninterest expenses                 28,952 28,058 25,779
Total operating expenses                 103,090 95,765 98,859
Income (loss) before income taxes 5,435 6,351 7,468 4,678 4,858 6,441 6,467 4,775 23,932 22,541 17,966
Income tax expense (benefit)                 5,082 4,521 11,394
Net income (loss) 4,352 $ 4,885 $ 5,842 $ 3,771 3,957 $ 5,101 $ 5,070 $ 3,892 18,850 18,020 6,572
Total assets 1,657,432       1,521,411       1,657,432 1,521,411 1,509,056
Goodwill 14,425       14,425       14,425 14,425 14,425
Capital expenditures                 2,706 3,374 4,180
Other                      
Revenues:                      
Interest income                 4 6 1
Other noninterest income                 4,349 2,135 3,205
Total operating income                 4,353 2,141 3,206
Expenses:                      
Interest expense                 1,135 1,152 1,151
Salaries and employee benefits                 4,337 1,531 3,248
Depreciation and amortization                 182 177 178
Other noninterest expenses                 1,056 1,083 491
Total operating expenses                 6,710 3,943 5,068
Income (loss) before income taxes                 (2,357) (1,802) (1,862)
Income tax expense (benefit)                 (651) (594) (137)
Net income (loss)                 (1,706) (1,208) (1,725)
Total assets 30,299       16,461       30,299 16,461 11,220
Capital expenditures                 67 4 14
Operating Segments | Retail Banking                      
Revenues:                      
Interest income                 59,465 55,019 49,564
Other noninterest income                 11,392 11,029 10,501
Total operating income                 70,857 66,048 60,065
Expenses:                      
Provision for loan losses                 360 100 200
Interest expense                 10,181 6,842 6,076
Salaries and employee benefits                 28,231 26,632 25,132
Depreciation and amortization                 3,242 3,014 2,818
Other noninterest expenses                 17,091 16,869 15,133
Total operating expenses                 59,105 53,457 49,359
Income (loss) before income taxes                 11,752 12,591 10,706
Income tax expense (benefit)                 1,837 1,958 5,727
Net income (loss)                 9,915 10,633 4,979
Total assets 1,468,627       1,351,932       1,468,627 1,351,932 1,336,100
Goodwill 3,702       3,702       3,702 3,702 3,702
Capital expenditures                 2,270 3,178 3,524
Operating Segments | Mortgage Banking                      
Revenues:                      
Interest income                 2,699 2,018 1,660
Gains on sales of loans                 10,603 7,841 8,553
Other noninterest income                 5,103 4,015 4,095
Total operating income                 18,405 13,874 14,308
Expenses:                      
Interest expense                 1,618 904 587
Salaries and employee benefits                 5,965 5,298 5,945
Depreciation and amortization                 246 269 239
Other noninterest expenses                 5,467 4,803 4,946
Total operating expenses                 13,296 11,274 11,717
Income (loss) before income taxes                 5,109 2,600 2,591
Income tax expense (benefit)                 1,336 697 1,606
Net income (loss)                 3,773 1,903 985
Total assets 102,467       51,226       102,467 51,226 64,513
Capital expenditures                 246 133 410
Operating Segments | Consumer Finance                      
Revenues:                      
Interest income                 41,389 42,789 44,745
Other noninterest income                 565 738 878
Total operating income                 41,954 43,527 45,623
Expenses:                      
Provision for loan losses                 8,155 10,906 16,235
Interest expense                 10,169 9,413 8,164
Salaries and employee benefits                 8,668 8,542 9,272
Depreciation and amortization                 196 211 212
Other noninterest expenses                 5,338 5,303 5,209
Total operating expenses                 32,526 34,375 39,092
Income (loss) before income taxes                 9,428 9,152 6,531
Income tax expense (benefit)                 2,560 2,460 4,198
Net income (loss)                 6,868 6,692 2,333
Total assets 314,431       296,876       314,431 296,876 291,774
Goodwill 10,723       10,723       10,723 10,723 10,723
Capital expenditures                 123 59 232
Eliminations                      
Revenues:                      
Interest income                 (8,547) (7,284) (6,377)
Total operating income                 (8,547) (7,284) (6,377)
Expenses:                      
Interest expense                 (8,547) (7,284) (6,377)
Total operating expenses                 (8,547) (7,284) (6,377)
Total assets $ (258,392)       $ (195,084)       $ (258,392) $ (195,084) $ (194,551)