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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
Loans, including fees:        
Taxable $ 25,278 $ 25,337 $ 50,412 $ 52,278
Federally tax exempt 540 532 1,150 1,206
Securities:        
Taxable 4,058 3,172 7,691 6,506
Federally tax exempt 1,144 1,227 2,280 2,255
Interest-bearing deposits in bank 115 79 195 808
Other interest and dividend income 12 14 25 28
Total interest and dividend income 31,147 30,361 61,753 63,081
INTEREST EXPENSE        
Deposits 613 1,042 1,257 2,637
Securities sold under agreements to repurchase 8 11 15 31
Borrowings   1 1 1
Subordinated notes 469   939  
Junior subordinated debentures issued to capital trusts 357 399 712 842
Total interest expense 1,447 1,453 2,924 3,511
Net interest income 29,700 28,908 58,829 59,570
PROVISION FOR LOAN LOSSES (2,162) 3,573 (5,567) 7,928
Net interest income after provision for loan losses 31,862 25,335 64,396 51,642
NONINTEREST INCOME        
Mortgage servicing 711 727 1,396 1,451
Mortgage servicing rights fair value adjustment (310) (508) 1,385 (2,679)
Gains on sale of mortgage loans 1,562 2,135 3,662 2,671
Gains (losses) on securities 6 57 46 5
Gains (losses) on foreclosed assets 216 58 140 93
Gains (losses) on other assets (48) (69) (47) (72)
Other noninterest income 793 1,022 1,629 1,765
Total noninterest income 8,774 8,060 19,582 13,312
NONINTEREST EXPENSE        
Salaries 12,275 12,674 24,871 25,428
Employee benefits 1,455 2,455 3,177 4,889
Occupancy of bank premises 1,463 1,642 3,401 3,470
Furniture and equipment 603 609 1,226 1,212
Data processing 1,721 1,672 3,409 3,258
Marketing and customer relations 843 817 1,408 1,861
Amortization of intangible assets 258 305 547 622
FDIC insurance 244 218 484 254
Loan collection and servicing 333 494 698 842
Foreclosed assets 319 88 462 177
Other noninterest expense 2,640 2,525 5,015 4,793
Total noninterest expense 22,154 23,499 44,698 46,806
INCOME BEFORE INCOME TAX EXPENSE 18,482 9,896 39,280 18,148
INCOME TAX EXPENSE 4,765 2,477 10,318 4,508
NET INCOME $ 13,717 $ 7,419 $ 28,962 $ 13,640
EARNINGS PER SHARE - BASIC $ 0.50 $ 0.27 $ 1.06 $ 0.50
EARNINGS PER SHARE - DILUTED $ 0.50 $ 0.27 $ 1.05 $ 0.50
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 27,362,579 27,457,306 27,396,557 27,457,306
Card income        
NONINTEREST INCOME        
Revenue $ 2,449 $ 1,998 $ 4,707 $ 3,790
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue 1,390 1,133 2,687 2,967
Wealth management fees        
NONINTEREST INCOME        
Revenue $ 2,005 $ 1,507 $ 3,977 $ 3,321