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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Loans, including fees:    
Taxable $ 26,806 $ 25,134
Federally tax exempt 662 610
Securities:    
Taxable 4,649 3,633
Federally tax exempt 1,040 1,136
Interest-bearing deposits in bank 159 80
Other interest and dividend income 19 13
Total interest and dividend income 33,335 30,606
INTEREST EXPENSE    
Deposits 569 644
Securities sold under agreements to repurchase 9 7
Borrowings 1 1
Subordinated notes 470 470
Junior subordinated debentures issued to capital trusts 358 355
Total interest expense 1,407 1,477
Net interest income 31,928 29,129
PROVISION FOR LOAN LOSSES (584) (3,405)
Net interest income after provision for loan losses 32,512 32,534
NONINTEREST INCOME    
Mortgage servicing 658 685
Mortgage servicing rights fair value adjustment 1,729 1,695
Gains on sale of mortgage loans 587 2,100
Gains (losses) on securities (187) 40
Gains (losses) on foreclosed assets 40 (76)
Gains (losses) on other assets 193 1
Income on bank owned life insurance 40  
Other noninterest income 638 836
Total noninterest income 10,043 10,808
NONINTEREST EXPENSE    
Salaries 12,992 12,596
Employee benefits 2,499 1,722
Occupancy of bank premises 2,060 1,938
Furniture and equipment 552 623
Data processing 1,653 1,688
Marketing and customer relations 851 565
Amortization of intangible assets 245 289
FDIC insurance 288 240
Loan collection and servicing 157 365
Foreclosed assets 132 143
Other noninterest expense 2,728 2,375
Total noninterest expense 24,157 22,544
INCOME BEFORE INCOME TAX EXPENSE 18,398 20,798
INCOME TAX EXPENSE 4,794 5,553
NET INCOME $ 13,604 $ 15,245
EARNINGS PER SHARE - BASIC $ 0.47 $ 0.55
EARNINGS PER SHARE - DILUTED $ 0.47 $ 0.55
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING 28,986,593 27,430,912
Card income    
NONINTEREST INCOME    
Revenue $ 2,404 $ 2,258
Service charges on deposit accounts    
NONINTEREST INCOME    
Revenue 1,652 1,297
Wealth management fees    
NONINTEREST INCOME    
Revenue $ 2,289 $ 1,972