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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Loans, including fees:        
Taxable $ 53,650 $ 49,640 $ 157,753 $ 138,948
Federally tax exempt 1,133 1,072 3,324 3,064
Debt securities:        
Taxable 6,453 6,402 18,972 19,460
Federally tax exempt 502 978 1,620 3,337
Interest-bearing deposits in bank 2,230 714 6,752 2,234
Other interest and dividend income 149 235 481 545
Total interest and dividend income 64,117 59,041 188,902 167,588
INTEREST EXPENSE        
Deposits 14,649 7,211 42,375 13,908
Securities sold under agreements to repurchase 134 35 415 107
Borrowings 119 2,108 365 5,594
Subordinated notes 470 470 1,409 1,409
Junior subordinated debentures issued to capital trusts 1,012 938 2,889 2,582
Total interest expense 16,384 10,762 47,453 23,600
Net interest income 47,733 48,279 141,449 143,988
PROVISION FOR CREDIT LOSSES 603 480 2,306 6,460
Net interest income after provision for credit losses 47,130 47,799 139,143 137,528
NONINTEREST INCOME        
Mortgage servicing 1,113 1,169 3,279 3,522
Mortgage servicing rights fair value adjustment (1,488) 23 (1,505) (460)
Gains on sale of mortgage loans 461 476 1,202 1,125
Realized gains (losses) on sales of securities 0 (813) (3,382) (1,820)
Unrealized gains (losses) on equity securities 136 (46) 24 (61)
Gains (losses) on foreclosed assets (44) 550 15 443
Gains (losses) on other assets (2) 52 (637) 161
Income on bank owned life insurance 170 153 500 415
Other noninterest income 855 742 2,499 2,362
Total noninterest income 8,705 9,490 23,941 26,841
NONINTEREST EXPENSE        
Salaries 16,325 15,644 49,346 51,715
Employee benefits 2,997 2,616 8,662 7,658
Occupancy of bank premises 2,695 2,573 7,520 7,460
Furniture and equipment 446 667 1,544 2,135
Data processing 2,640 2,581 8,171 9,787
Marketing and customer relations 1,380 1,679 3,372 3,874
Amortization of intangible assets 710 720 2,130 1,950
FDIC insurance 572 512 1,697 1,705
Loan collection and servicing 476 345 1,403 971
Foreclosed assets 19 76 78 234
Other noninterest expense 3,062 3,258 9,176 13,088
Total noninterest expense 31,322 30,671 93,099 100,577
INCOME BEFORE INCOME TAX EXPENSE 24,513 26,618 69,985 63,792
INCOME TAX EXPENSE 6,333 6,903 18,477 16,396
NET INCOME $ 18,180 $ 19,715 $ 51,508 $ 47,396
EARNINGS PER SHARE - BASIC (in dollars per share) $ 0.58 $ 0.62 $ 1.63 $ 1.50
EARNINGS PER SHARE - DILUTED (in dollars per share) $ 0.57 $ 0.62 $ 1.62 $ 1.49
WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares) 31,559,366 31,829,250 31,600,442 31,598,650
Card income        
NONINTEREST INCOME        
Revenue $ 2,753 $ 2,763 $ 8,254 $ 8,326
Wealth management fees        
NONINTEREST INCOME        
Revenue 2,670 2,381 7,840 6,998
Service charges on deposit accounts        
NONINTEREST INCOME        
Revenue $ 2,081 $ 2,040 $ 5,852 $ 5,830