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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2021
Mar. 31, 2020
Loans, including fees:    
Taxable $ 25,134 $ 26,941
Federally tax exempt 610 674
Securities:    
Taxable 3,633 3,334
Federally tax exempt 1,136 1,028
Interest-bearing deposits in bank 80 729
Other interest and dividend income 13 14
Total interest and dividend income 30,606 32,720
INTEREST EXPENSE    
Deposits 644 1,595
Securities sold under agreements to repurchase 7 20
Borrowings 1  
Subordinated notes 470  
Junior subordinated debentures issued to capital trusts 355 443
Total interest expense 1,477 2,058
Net interest income 29,129 30,662
PROVISION FOR LOAN LOSSES (3,405) 4,355
Net interest income after provision for loan losses 32,534 26,307
NONINTEREST INCOME    
Mortgage servicing 685 724
Mortgage servicing rights fair value adjustment 1,695 (2,171)
Gains on sale of mortgage loans 2,100 536
Gains (losses) on securities 40 (52)
Gains (losses) on foreclosed assets (76) 35
Gains (losses) on other assets 1 (3)
Other noninterest income 836 743
Total noninterest income 10,808 5,252
NONINTEREST EXPENSE    
Salaries 12,596 12,754
Employee benefits 1,722 2,434
Occupancy of bank premises 1,938 1,828
Furniture and equipment 623 603
Data processing 1,688 1,586
Marketing and customer relations 565 1,044
Amortization of intangible assets 289 317
FDIC insurance 240 36
Loan collection and servicing 365 348
Foreclosed assets 143 89
Other noninterest expense 2,375 2,268
Total noninterest expense 22,544 23,307
INCOME BEFORE INCOME TAX EXPENSE 20,798 8,252
INCOME TAX EXPENSE 5,553 2,031
NET INCOME $ 15,245 $ 6,221
EARNINGS PER SHARE - BASIC $ 0.55 $ 0.23
EARNINGS PER SHARE - DILUTED $ 0.55 $ 0.23
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 27,430,912 27,457,306
Card income    
NONINTEREST INCOME    
Revenue $ 2,258 $ 1,792
Service charges on deposit accounts    
NONINTEREST INCOME    
Revenue 1,297 1,834
Wealth management fees    
NONINTEREST INCOME    
Revenue $ 1,972 $ 1,814