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Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
INTEREST INCOME    
Loans $ 54,130 $ 54,556
Investment securities and other 3,344 2,802
TOTAL INTEREST INCOME 57,474 57,358
INTEREST EXPENSE    
Deposits 10,577 10,470
Short-term borrowings and repurchase agreements 649 922
Subordinated debentures issued to capital trust 216 267
Subordinated notes 1,094 1,094
TOTAL INTEREST EXPENSE 12,536 12,753
NET INTEREST INCOME 44,938 44,605
PROVISION FOR LOAN LOSSES 3,871 1,950
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 41,067 42,655
NON-INTEREST INCOME    
Commissions 266 334
Net gains on loan sales 590 248
Net realized gains on sales of available-for-sale securities 0 10
Late charges and fees on loans 355 346
Loss on derivative interest rate products (407) (25)
Service charges and ATM fees 4,758 4,958
Other income 1,805 1,579
TOTAL NON-INTEREST INCOME 7,367 7,450
NON-INTEREST EXPENSE    
Salaries and employee benefits 18,169 15,640
Net occupancy and equipment expense 6,766 6,401
Postage 769 767
Insurance 382 666
Advertising 620 527
Office supplies and printing 235 259
Telephone 912 903
Legal, audit and other professional fees 598 712
Expense on other real estate and repossessions 479 620
Partnership tax credit investment amortization 0 91
Acquired deposit intangible asset amortization 289 325
Other operating expenses 1,596 1,584
TOTAL NON-INTEREST EXPENSE 30,815 28,495
INCOME BEFORE INCOME TAXES 17,619 21,610
PROVISION FOR INCOME TAXES 2,751 3,998
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS $ 14,868 $ 17,612
Basic Earnings Per Common Share $ 1.05 $ 1.24
Diluted Earnings Per Common Share 1.04 1.23
Dividends Declared Per Common Share $ 1.34 $ 1.07