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Segment Information
 12 Months Ended
Dec. 31, 2024
Segment Reporting [Abstract]  
Segment Information Segment Information
The Company’s reportable segment is determined by the Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the Company’s products and services offered, primarily banking operations. The segment is also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, such as branches, which are then aggregated if operating performance, product and services, and customers are similar. The chief operating decision maker will evaluate the financial performance of the Company’s business components by evaluating revenue streams, significant expenses, and budget to actual results in assessing the Company’s segment and in the determination of resource allocations. The chief operating decision maker uses revenue streams to evaluate product pricing and uses significant expenses to assess performance and evaluate return on assets. The chief operating decision maker uses consolidated net income to benchmark the Company against its competitors. The benchmarking analysis coupled with monitoring of budget to actual results are used in assessment performance and in establishing compensation. Loans, investments, and deposits provide the revenues in the banking operation. Interest expense, provisions for credit losses, and payroll provide the significant expenses in the banking operation. All operations are domestic.

Accounting policies for segments are the same as those described in “Note 1 - Organization and Summary of Significant Accounting and Reporting Policies.” Segment performance is evaluated using consolidated net income. Information reported internally for performance assessment by the chief operating decision maker follows, inclusive of reconciliations of significant segment totals to the financial statements.
Detailed information related to the Company’s banking segment is as follows:
Banking Segment
(In thousands)20242023
Interest income$60,751 $60,377 
Noninterest income4,713 5,569 
Total revenue65,464 65,946 
Less:  
Interest expense13,901 11,056 
Less:
Provision for credit losses2,963 1,460 
Salaries and employee benefits13,884 13,157 
Provision for income taxes
5,537 7,680 
Occupancy Expense3,686 3,739 
Depreciation1,469 1,459 
Amortization1,063 1,145 
Other expenses (1)8,178 6,454 
Banking segment net income $14,783 $19,796 
Reconciliation of assets:
Banking segment assets$1,211,718 $1,211,045 
Total consolidated assets$1,211,718 $1,211,045 
(1) Other segment items include professional fees, regulatory assessments, director fees and data processing fees.