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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Loans, including fees:        
Taxable $ 52,177 $ 47,149 $ 104,103 $ 89,308
Federally tax exempt 1,097 1,040 2,191 1,992
Securities:        
Taxable 6,386 6,518 12,636 13,134
Federally tax exempt 521 1,162 1,118 2,359
Interest-bearing deposits in bank 2,570 781 4,522 1,520
Other interest and dividend income 73 118 215 234
Total interest and dividend income 62,824 56,768 124,785 108,547
INTEREST EXPENSE        
Deposits 14,133 4,323 27,726 6,697
Securities sold under agreements to repurchase 129 34 281 72
Borrowings 121 2,189 246 3,486
Subordinated notes 469 469 939 939
Junior subordinated debentures issued to capital trusts 944 881 1,877 1,644
Total interest expense 15,796 7,896 31,069 12,838
Net interest income 47,028 48,872 93,716 95,709
PROVISION FOR CREDIT LOSSES 1,176 (230) 1,703 5,980
Net interest income after provision for credit losses 45,852 49,102 92,013 89,729
NONINTEREST INCOME        
Mortgage servicing 1,111 1,254 2,166 2,353
Mortgage servicing rights fair value adjustment (97) 141 (17) (483)
Gains on sale of mortgage loans 443 373 741 649
Realized gains (losses) on sales of securities 0 0 (3,382) (1,007)
Unrealized gains (losses) on equity securities (96) 7 (112) (15)
Gains (losses) on foreclosed assets (28) (97) 59 (107)
Gains (losses) on other assets 0 109 (635) 109
Income on bank owned life insurance 166 147 330 262
Other noninterest income 701 877 1,644 1,620
Total noninterest income 9,610 9,914 15,236 17,351
NONINTEREST EXPENSE        
Salaries 16,364 16,660 33,021 36,071
Employee benefits 2,860 2,707 5,665 5,042
Occupancy of bank premises 2,243 2,785 4,825 4,887
Furniture and equipment 548 809 1,098 1,468
Data processing 2,606 2,883 5,531 7,206
Marketing and customer relations 996 1,359 1,992 2,195
Amortization of intangible assets 710 720 1,420 1,230
FDIC insurance 565 630 1,125 1,193
Loan collection and servicing 475 348 927 626
Foreclosed assets 10 97 59 158
Other noninterest expense 3,132 4,975 6,114 9,830
Total noninterest expense 30,509 33,973 61,777 69,906
INCOME BEFORE INCOME TAX EXPENSE 24,953 25,043 45,472 37,174
INCOME TAX EXPENSE 6,883 6,570 12,144 9,493
NET INCOME $ 18,070 $ 18,473 $ 33,328 $ 27,681
EARNINGS PER SHARE - BASIC (in dollars per share) $ 0.57 $ 0.58 $ 1.05 $ 0.88
EARNINGS PER SHARE - DILUTED (in dollars per share) $ 0.57 $ 0.58 $ 1.05 $ 0.88
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares) 31,579,457 31,980,133 31,621,205 31,481,439
Card income        
NONINTEREST INCOME        
Revenue $ 2,885 $ 2,905 $ 5,501 $ 5,563
Wealth management fees        
NONINTEREST INCOME        
Revenue 2,623 2,279 5,170 4,617
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue $ 1,902 $ 1,919 $ 3,771 $ 3,790