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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Loans, including fees:        
Taxable $ 25,337 $ 29,886 $ 52,278 $ 59,949
Federally tax exempt 532 736 1,206 1,446
Securities:        
Taxable 3,172 3,801 6,506 7,723
Federally tax exempt 1,227 1,512 2,255 3,064
Interest-bearing deposits in bank 79 599 808 1,286
Other interest and dividend income 14 16 28 31
Total interest and dividend income 30,361 36,550 63,081 73,499
INTEREST EXPENSE        
Deposits 1,042 2,111 2,637 4,094
Securities sold under agreements to repurchase 11 17 31 31
Borrowings 1 4 1 7
Subordinated debentures 399 487 842 984
Total interest expense 1,453 2,619 3,511 5,116
Net interest income 28,908 33,931 59,570 68,383
PROVISION FOR LOAN LOSSES 3,573 1,806 7,928 2,582
Net interest income after provision for loan losses 25,335 32,125 51,642 65,801
NONINTEREST INCOME        
Mortgage servicing 727 818 1,451 1,547
Mortgage servicing rights fair value adjustment (508) (1,120) (2,679) (2,122)
Gains on sale of mortgage loans 2,135 660 2,671 1,185
Gains (losses) on securities 57 36 5 115
Gains (losses) on foreclosed assets 58 169 93 152
Gains (losses) on other assets (69) 368 (72) 1,273
Other noninterest income 1,022 957 1,765 1,754
Total noninterest income 8,060 7,346 13,312 14,833
NONINTEREST EXPENSE        
Salaries 12,674 11,597 25,428 24,119
Employee benefits 2,455 4,723 4,889 5,967
Occupancy of bank premises 1,642 1,638 3,470 3,475
Furniture and equipment 609 716 1,212 1,505
Data processing 1,672 1,390 3,258 2,552
Marketing and customer relations 817 1,103 1,861 2,036
Amortization of intangible assets 305 376 622 752
FDIC insurance 218 208 254 427
Loan collection and servicing 494 612 842 1,354
Foreclosed assets 88 165 177 329
Other noninterest expense 2,525 2,033 4,793 4,257
Total noninterest expense 23,499 24,561 46,806 46,773
INCOME BEFORE INCOME TAX EXPENSE 9,896 14,910 18,148 33,861
INCOME TAX EXPENSE 2,477 305 4,508 520
NET INCOME $ 7,419 $ 14,605 $ 13,640 $ 33,341
EARNINGS PER SHARE - BASIC $ 0.27 $ 0.81 $ 0.50 $ 1.85
EARNINGS PER SHARE - DILUTED $ 0.27 $ 0.81 $ 0.50 $ 1.85
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 27,457,306 18,027,512 27,457,306 18,027,512
Card income        
NONINTEREST INCOME        
Revenue $ 1,998 $ 1,996 $ 3,790 $ 3,828
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue 1,133 1,931 2,967 3,694
Wealth management fees        
NONINTEREST INCOME        
Revenue $ 1,507 1,493 $ 3,321 3,240
Title insurance activity        
NONINTEREST INCOME        
Revenue   $ 38   $ 167