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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Loans, including fees:        
Taxable $ 25,604 $ 25,118 $ 76,016 $ 77,396
Federally tax exempt 572 542 1,722 1,748
Securities:        
Taxable 4,632 3,266 12,323 9,772
Federally tax exempt 1,103 1,233 3,383 3,488
Interest-bearing deposits in bank 190 65 385 873
Other interest and dividend income 14 14 39 42
Total interest and dividend income 32,115 30,238 93,868 93,319
INTEREST EXPENSE        
Deposits 564 843 1,821 3,480
Securities sold under agreements to repurchase 8 9 23 40
Borrowings 1 1 2 2
Subordinated notes 470 147 1,409 147
Junior subordinated debentures issued to capital trusts 357 367 1,069 1,209
Total interest expense 1,400 1,367 4,324 4,878
Net interest income 30,715 28,871 89,544 88,441
PROVISION FOR LOAN LOSSES (1,667) 2,174 (7,234) 10,102
Net interest income after provision for loan losses 32,382 26,697 96,778 78,339
NONINTEREST INCOME        
Mortgage servicing 699 724 2,095 2,175
Mortgage servicing rights fair value adjustment 40 (268) 1,425 (2,947)
Gains on sale of mortgage loans 1,257 3,184 4,919 5,855
Gains (losses) on securities 28 (2) 74 3
Gains (losses) on foreclosed assets (14) 27 126 120
Gains (losses) on other assets (672) 1 (719) (71)
Other noninterest income 832 1,101 2,461 2,866
Total noninterest income 8,392 10,052 27,974 23,364
NONINTEREST EXPENSE        
Salaries 11,988 12,595 36,859 38,023
Employee benefits 1,500 1,666 4,677 6,555
Occupancy of bank premises 1,610 1,609 5,011 5,079
Furniture and equipment 657 679 1,883 1,891
Data processing 1,767 1,583 5,176 4,841
Marketing and customer relations 883 690 2,291 2,551
Amortization of intangible assets 252 305 799 927
FDIC insurance 279 222 763 476
Loan collection and servicing 400 450 1,098 1,292
Foreclosed assets 242 226 704 403
Other noninterest expense 2,589 2,460 7,604 7,253
Total noninterest expense 22,167 22,485 66,865 69,291
INCOME BEFORE INCOME TAX EXPENSE 18,607 14,264 57,887 32,412
INCOME TAX EXPENSE 4,892 3,701 15,210 8,209
NET INCOME $ 13,715 $ 10,563 $ 42,677 $ 24,203
EARNINGS PER SHARE - BASIC $ 0.50 $ 0.38 $ 1.56 $ 0.88
EARNINGS PER SHARE - DILUTED $ 0.50 $ 0.38 $ 1.56 $ 0.88
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 27,340,926 27,457,306 27,377,809 27,457,306
Card income        
NONINTEREST INCOME        
Revenue $ 2,509 $ 2,146 $ 7,216 $ 5,936
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue 1,677 1,493 4,364 4,460
Wealth management fees        
NONINTEREST INCOME        
Revenue $ 2,036 $ 1,646 $ 6,013 $ 4,967