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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
INTEREST INCOME        
Loans $ 50,476 $ 57,226 $ 155,453 $ 167,552
Investment securities and other 3,123 2,961 9,631 8,715
TOTAL INTEREST INCOME 53,599 60,187 165,084 176,267
INTEREST EXPENSE        
Deposits 7,094 11,792 26,712 33,844
Short-term borrowings and repurchase agreements 8 1,123 667 2,904
Subordinated debentures issued to capital trust 128 253 511 787
Subordinated notes 2,201 1,095 4,633 3,283
TOTAL INTEREST EXPENSE 9,431 14,263 32,523 40,818
NET INTEREST INCOME 44,168 45,924 132,561 135,449
PROVISION FOR LOAN LOSSES 4,500 1,950 14,371 5,500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 39,668 43,974 118,190 129,949
NON-INTEREST INCOME        
Commissions 318 173 760 670
Net gains on loan sales 2,878 1,021 5,308 1,645
Late charges and fees on loans 352 364 1,175 1,066
Gain (loss) on derivative interest rate products 89 (101)    
Net realized gains on sales of available-for-sale securities     78 10
Loss on derivative interest rate products     (424) (169)
Service charges and ATM fees 4,692 5,619 13,590 15,887
Other income 1,137 1,579 4,606 4,154
TOTAL NON-INTEREST INCOME 9,466 8,655 25,093 23,263
NON-INTEREST EXPENSE        
Salaries and employee benefits 18,701 15,827 53,699 46,895
Net occupancy and equipment expense 7,147 6,613 20,619 19,462
Postage 748 792 2,294 2,342
Insurance 753 339 1,668 1,667
Advertising 757 794 1,814 2,162
Office supplies and printing 271 258 806 743
Telephone 987 904 2,904 2,645
Legal, audit and other professional fees 582 681 1,844 2,023
Expense on other real estate and repossessions 199 603 946 1,642
Partnership tax credit investment amortization 0 91 0 274
Acquired deposit intangible asset amortization 289 289 866 902
Other operating expenses 1,554 1,534 4,691 4,845
TOTAL NON-INTEREST EXPENSE 31,988 28,725 92,151 85,602
INCOME BEFORE INCOME TAXES 17,146 23,904 51,132 67,610
PROVISION FOR INCOME TAXES 3,692 4,172 9,607 11,890
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS $ 13,454 $ 19,732 $ 41,525 $ 55,720
Basic Earnings Per Common Share $ 0.96 $ 1.39 $ 2.94 $ 3.93
Diluted Earnings Per Common Share 0.96 1.38 2.93 3.90
Dividends Declared Per Common Share $ 0.34 $ 0.34 $ 2.02 $ 1.73