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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Loans, including fees:        
Taxable $ 25,118 $ 29,308 $ 77,396 $ 89,257
Federally tax exempt 542 684 1,748 2,130
Securities:        
Taxable 3,266 3,572 9,772 11,295
Federally tax exempt 1,233 1,395 3,488 4,459
Interest-bearing deposits in bank 65 662 873 1,948
Other interest and dividend income 14 15 42 46
Total interest and dividend income 30,238 35,636 93,319 109,135
INTEREST EXPENSE        
Deposits 843 2,000 3,480 6,094
Securities sold under agreements to repurchase 9 17 40 48
Borrowings 1   2 7
Subordinated notes 147   147  
Junior subordinated debentures issued to capital trusts 367 478 1,209 1,462
Total interest expense 1,367 2,495 4,878 7,611
Net interest income 28,871 33,141 88,441 101,524
PROVISION FOR LOAN LOSSES 2,174 684 10,102 3,266
Net interest income after provision for loan losses 26,697 32,457 78,339 98,258
NONINTEREST INCOME        
Mortgage servicing 724 795 2,175 2,342
Mortgage servicing rights fair value adjustment (268) (860) (2,947) (2,982)
Gains on sale of mortgage loans 3,184 992 5,855 2,177
Gains (losses) on securities (2) (73) 3 42
Gains (losses) on foreclosed assets 27 (20) 120 132
Gains (losses) on other assets 1 (29) (71) 1,244
Other noninterest income 1,101 1,005 2,866 2,759
Total noninterest income 10,052 7,582 23,364 22,415
NONINTEREST EXPENSE        
Salaries 12,595 12,303 38,023 36,422
Employee benefits 1,666 2,253 6,555 8,220
Occupancy of bank premises 1,609 1,785 5,079 5,260
Furniture and equipment 679 545 1,891 2,050
Data processing 1,583 1,471 4,841 4,023
Marketing and customer relations 690 801 2,551 2,837
Amortization of intangible assets 305 335 927 1,087
FDIC insurance 222 8 476 435
Loan collection and servicing 450 547 1,292 1,901
Foreclosed assets 226 196 403 525
Other noninterest expense 2,460 2,059 7,253 6,316
Total noninterest expense 22,485 22,303 69,291 69,076
INCOME BEFORE INCOME TAX EXPENSE 14,264 17,736 32,412 51,597
INCOME TAX EXPENSE 3,701 299 8,209 819
NET INCOME $ 10,563 $ 17,437 $ 24,203 $ 50,778
EARNINGS PER SHARE - BASIC $ 0.38 $ 0.97 $ 0.88 $ 2.82
EARNINGS PER SHARE - DILUTED $ 0.38 $ 0.97 $ 0.88 $ 2.82
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 27,457,306 18,027,512 27,457,306 18,027,512
Card income        
NONINTEREST INCOME        
Revenue $ 2,146 $ 1,985 $ 5,936 $ 5,813
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue 1,493 2,111 4,460 5,805
Wealth management fees        
NONINTEREST INCOME        
Revenue $ 1,646 $ 1,676 $ 4,967 4,916
Title insurance activity        
NONINTEREST INCOME        
Revenue       $ 167