| Dec 31,
2019 | Dec 31,
2020 | Dec 31,
2021 | Dec 31,
2022 | Dec 31,
2023 | Dec 31,
2024 |
|---|
| Taxable | 117 | 103 | 104 | 120 | 191 | 210 |
|---|
| Federally tax exempt | 3 | 2 | 2 | 3 | 4 | 5 |
|---|
| Taxable | 15 | 13 | 17 | 23 | 26 | 26 |
|---|
| Federally tax exempt | 6 | 5 | 4 | 5 | 4 | 2 |
|---|
| Interest-bearing deposits in bank | 3 | 1 | 1 | 2 | 3 | 8 |
|---|
| Other interest and dividend income | 0 | 0 | 0 | 0 | 1 | 1 |
|---|
| Total interest and dividend income | 144 | 124 | 128 | 153 | 229 | 252 |
|---|
| Deposits | 8 | 4 | 2 | 3 | 25 | 56 |
|---|
| Securities sold under agreements to repurchase | 0 | 0 | 0 | 0 | 0 | 1 |
|---|
| Borrowings | 0 | 0 | 0 | 1 | 7 | 0 |
|---|
| Subordinated notes | 2 | 1 | 2 | 2 | 2 | 2 |
|---|
| Interest Expense, Junior Subordinated Debentures | - | 2 | 1 | 2 | 4 | 4 |
|---|
| Total interest expense | - | - | - | - | - | 63 |
|---|
| Net interest income | 134 | 118 | 122 | 146 | 191 | 189 |
|---|
| PROVISION FOR CREDIT LOSSES | - | - | - | - | - | 3 |
|---|
| Net interest income after provision for credit losses | 130 | 107 | 130 | 147 | 183 | 186 |
|---|
| Card income | 8 | 8 | 10 | 10 | 11 | 11 |
|---|
| Wealth management fees | 7 | 7 | 8 | 9 | 10 | 11 |
|---|
| Service charges on deposit accounts | 8 | 6 | 6 | 7 | 8 | 8 |
|---|
| Mortgage servicing | 3 | 3 | 3 | 3 | 5 | 4 |
|---|
| Mortgage servicing rights fair value adjustment | 2 | 3 | -2 | -2 | 2 | 0 |
|---|
| Gains on sale of mortgage loans | 3 | 9 | 6 | 1 | 2 | 2 |
|---|
| Realized gains (losses) on sales of securities | - | - | - | - | -2 | -4 |
|---|
| Unrealized gains (losses) on equity securities | -0 | 0 | 0 | -0 | 0 | -0 |
|---|
| Gains (losses) on foreclosed assets | - | - | 0 | -0 | 1 | 0 |
|---|
| Gains (losses) on other assets | 1 | 0 | - | 0 | 0 | -1 |
|---|
| Bank Owned Life Insurance Income | - | - | 0 | 0 | 1 | 1 |
|---|
| Other noninterest income | 4 | 4 | 3 | 2 | 3 | 3 |
|---|
| Total noninterest income | 33 | 34 | 37 | 35 | 36 | 36 |
|---|
| Salaries | 49 | 51 | 49 | 52 | 67 | 65 |
|---|
| Employee benefits | 10 | 8 | 7 | 8 | 10 | 11 |
|---|
| Occupancy, Net | 7 | 7 | 7 | 8 | 10 | 10 |
|---|
| Equipment Expense | 3 | 2 | 3 | 2 | 3 | 2 |
|---|
| Data processing | 6 | 7 | 7 | 7 | 12 | 11 |
|---|
| Marketing and customer relations | 4 | 3 | 3 | 4 | 5 | 4 |
|---|
| Amortization of intangible assets | 1 | 1 | 1 | 1 | 3 | 3 |
|---|
| FDIC insurance | 0 | 1 | 1 | 1 | 2 | 2 |
|---|
| Loan collection and servicing | 3 | 2 | 1 | 1 | 1 | 2 |
|---|
| Foreclosed assets | 1 | 1 | 1 | 0 | 0 | 0 |
|---|
| Other noninterest expense | 8 | 10 | 11 | 20 | 17 | 13 |
|---|
| Total noninterest expense | 91 | 92 | 91 | 105 | 131 | 124 |
|---|
| INCOME BEFORE INCOME TAX EXPENSE | - | - | 77 | 76 | 89 | 97 |
|---|
| INCOME TAX EXPENSE | 5 | 13 | 20 | 20 | 23 | 26 |
|---|
| NET INCOME | 67 | 37 | 56 | 56 | 66 | 72 |
|---|
| Earnings Per Share, Basic | 3.33 | 1.34 | 2.02 | 1.95 | 2.08 | 2.27 |
|---|
| Earnings Per Share, Diluted | 3.33 | 1.34 | 2.02 | 1.95 | 2.07 | 2.26 |
|---|