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Consolidated Statements of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Interest and Dividend Income      
Loans, including fees $ 90,923 $ 97,719 $ 88,769
Loans held-for-sale 306 133 127
Securities:      
Taxable 6,773 9,256 9,577
Tax exempt 5,471 7,425 8,341
Dividends from FHLBC and FRBC stock 484 602 469
Interest bearing deposits with financial institutions 258 459 334
Total interest and dividend income 104,215 115,594 107,617
Interest Expense      
Savings, NOW, and money market deposits 1,569 2,960 2,156
Time deposits 5,033 6,736 5,829
Securities sold under repurchase agreements 202 577 462
Other short-term borrowings 179 1,755 1,429
Junior subordinated debentures 2,215 3,724 3,716
Senior notes 2,692 2,699 2,688
Notes payable and other borrowings 574 384 398
Total interest expense 12,464 18,835 16,678
Net interest and dividend income 91,751 96,759 90,939
Provision for credit losses 10,413 1,600 1,228
Net interest and dividend income after provision for loan and lease losses 81,338 95,159 89,711
Noninterest Income      
Mortgage servicing rights mark to market loss (3,999) (2,662) (734)
Net gain on sales of mortgage loans 15,519 5,112 3,791
Securities gains (losses), net (25) 4,511 360
Change in cash surrender value of BOLI 1,233 1,415 984
Death benefit realized on BOLI 57 872 1,026
Debit card interchange income 5,532 5,861 5,663
Gains (losses) on disposal and transfer of fixed assets, net   32  
Other income 3,645 3,636 3,883
Total noninterest income 37,487 35,800 31,353
Noninterest Expense      
Salaries and employee benefits 49,547 46,869 44,161
Occupancy, furniture and equipment 8,498 8,289 6,915
Computer and data processing 5,143 5,631 6,745
FDIC insurance 597 176 653
General bank insurance 1,030 1,002 1,040
Amortization of core deposit intangible 494 539 387
Advertising expense 298 1,225 1,567
Debit card interchange expense 2,195 1,956 1,985
Legal fees 761 675 835
Other real estate expense, net 651 423 396
Other expense 12,203 12,317 12,444
Total noninterest expense 81,417 79,102 77,128
Income before income taxes 37,408 51,857 43,936
Provision for income taxes 9,583 12,402 9,924
Net income available to common stockholders $ 27,825 $ 39,455 $ 34,012
Basic earnings per share (in dollars per share) $ 0.94 $ 1.32 $ 1.14
Diluted earnings per share (in dollars per share) 0.92 1.30 1.12
Dividends declared per share (in dollars per share) $ 0.04 $ 0.04 $ 0.04
Trust Income      
Noninterest Income      
Service charges on deposits $ 6,409 $ 6,655 $ 6,417
Bank Servicing      
Noninterest Income      
Service charges on deposits 5,512 7,715 7,328
Secondary mortgage fees      
Noninterest Income      
Service charges on deposits 1,654 772 696
Mortgage Servicing      
Noninterest Income      
Service charges on deposits $ 1,950 $ 1,881 $ 1,939