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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Loans, including fees:        
Taxable $ 29,855 $ 25,604 $ 84,504 $ 76,016
Federally tax exempt 842 572 2,183 1,722
Securities:        
Taxable 6,635 4,632 16,947 12,323
Federally tax exempt 1,207 1,103 3,385 3,383
Interest-bearing deposits in bank 458 190 1,037 385
Other interest and dividend income 17 14 50 39
Total interest and dividend income 39,014 32,115 108,106 93,868
INTEREST EXPENSE        
Deposits 587 564 1,662 1,821
Securities sold under agreements to repurchase 9 8 26 23
Borrowings 85 1 87 2
Subordinated notes 470 470 1,409 1,409
Junior subordinated debentures issued to capital trusts 473 357 1,231 1,069
Total interest expense 1,624 1,400 4,415 4,324
Net interest income 37,390 30,715 103,691 89,544
PROVISION FOR LOAN LOSSES 386 (1,667) (53) (7,234)
Net interest income after provision for loan losses 37,004 32,382 103,744 96,778
NONINTEREST INCOME        
Mortgage servicing 697 699 2,016 2,095
Mortgage servicing rights fair value adjustment 351 40 2,446 1,425
Gains on sale of mortgage loans 354 1,257 1,267 4,919
Unrealized gains (losses) on equity securities (107) 28 (447) 74
Gains (losses) on foreclosed assets (225) (14) (192) 126
Gains (losses) on other assets (31) (672) 119 (719)
Income on bank owned life insurance 41   122  
Other noninterest income 599 832 1,769 2,461
Total noninterest income 8,234 8,392 26,828 27,974
NONINTEREST EXPENSE        
Salaries 12,752 11,835 38,489 36,486
Employee benefits 1,771 1,455 6,199 4,549
Occupancy of bank premises 1,979 1,610 5,780 5,011
Furniture and equipment 668 657 1,843 1,883
Data processing 1,631 1,767 5,274 5,176
Marketing and customer relations 880 883 2,936 2,291
Amortization of intangible assets 243 252 733 799
FDIC insurance 302 279 888 763
Loan collection and servicing 336 400 771 1,098
Foreclosed assets 97 242 260 704
Other noninterest expense 3,339 2,787 8,824 8,105
Total noninterest expense 23,998 22,167 71,997 66,865
INCOME BEFORE INCOME TAX EXPENSE 21,240 18,607 58,575 57,887
INCOME TAX EXPENSE 5,613 4,892 15,259 15,210
NET INCOME $ 15,627 $ 13,715 $ 43,316 $ 42,677
EARNINGS PER SHARE - BASIC $ 0.54 $ 0.50 $ 1.50 $ 1.56
EARNINGS PER SHARE - DILUTED $ 0.54 $ 0.50 $ 1.49 $ 1.56
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING - Basic 28,787,662 27,340,926 28,887,757 27,377,809
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING - Diluted 28,860,305 27,354,847 28,944,518 27,389,221
Card income        
NONINTEREST INCOME        
Revenue $ 2,569 $ 2,509 $ 7,687 $ 7,216
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue 1,927 1,677 5,371 4,364
Wealth management fees        
NONINTEREST INCOME        
Revenue $ 2,059 $ 2,036 $ 6,670 $ 6,013