SEGMENT REPORTING (Tables)

12 Months Ended

Dec. 31, 2022

Summarized Financial Information Concerning Reportable Segments And Reconciliation To Consolidated Results

The Holding Company, CFS, and CRM column below includes amounts to eliminate transactions between segments as well as income and expenses related to insurance products, mutual funds, brokerage services, and captive insurance (in thousands).


Year ended December 31, 2022	Core Banking		WMG		Holding Company, CFS and CRM		Consolidated Totals
Interest and dividend income	$	81,425	$	—	$	50	$	81,475
Interest expense	7,296		—		—		7,296
Net interest income	74,129		—		50		74,179
Provision for loan losses	(554)		—		—		(554)
Net interest income after provision for loan losses	74,683		—		50		74,733
Non-interest income	10,225		10,280		931		21,436

Non-interest expenses	51,301		6,582		1,397		59,280
Income (loss) before income tax expense	33,607		3,698		(416)		36,889
Income tax expense (benefit)	7,361		851		(106)		8,106
Segment net income (loss)	$	26,246	$	2,847	$	(310)	$	28,783

Segment assets	$	2,635,043	$	2,559	$	7,951	$	2,645,553


Year ended December 31, 2021	Core Banking		WMG		Holding Company, CFS and CRM		Consolidated Totals
Interest and dividend income	$	68,984	$	—	$	24	$	69,008
Interest expense	3,419		—		—		3,419
Net interest income	65,565		—		24		65,589
Provision for loan losses	17		—		—		17
Net interest income after provision for loan losses	65,548		—		24		65,572
Non-interest income	11,740		11,072		1,058		23,870

Non-interest expenses	47,807		6,642		1,233		55,682
Income (loss) before income tax expense	29,481		4,430		(151)		33,760
Income tax expense (benefit)	6,408		979		(52)		7,335
Segment net income (loss)	$	23,073	$	3,451	$	(99)	$	26,425

Segment assets	$	2,410,934	$	3,125	$	4,416	$	2,418,475