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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
INTEREST INCOME    
Loans $ 43,065 $ 47,709
Investment securities and other 3,608 2,924
TOTAL INTEREST INCOME 46,673 50,633
INTEREST EXPENSE    
Deposits 2,173 4,222
Securities sold under reverse repurchase agreements 10 9
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 1  
Subordinated debentures issued to capital trust 118 113
Subordinated notes 1,105 2,200
TOTAL INTEREST EXPENSE 3,407 6,544
NET INTEREST INCOME 43,266 44,089
PROVISION FOR CREDIT LOSSES ON LOANS 0 300
CREDIT FOR UNFUNDED COMMITMENTS (193) (674)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES AND CREDIT FOR UNFUNDED COMMITMENTS 43,459 44,463
NON-INTEREST INCOME    
Commissions 297 282
Overdraft and insufficient funds fees 1,865 1,444
Point-Of-Sale and ATM fee income and service charges 3,964 3,358
Net gains on loan sales 1,134 2,688
Net realized gain on sale of available-for-sale securities 7  
Late charges and fees on loans 313 301
Gain on derivative interest rate products 152 474
Other income 1,444 1,189
TOTAL NON-INTEREST INCOME 9,176 9,736
NON-INTEREST EXPENSE    
Salaries and employee benefits 18,080 17,120
Net occupancy and equipment expense 6,878 7,062
Postage 787 878
Insurance 794 760
Advertising 555 585
Office supplies and printing 218 277
Telephone 850 881
Legal, audit and other professional fees 805 647
Expense on other real estate and repossessions 163 268
Acquired deposit intangible asset amortization 158 289
Other operating expenses 1,980 1,554
TOTAL NON-INTEREST EXPENSE 31,268 30,321
INCOME BEFORE INCOME TAXES 21,367 23,878
PROVISION FOR INCOME TAXES 4,380 5,010
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS $ 16,987 $ 18,868
Earnings Per Common Share    
Basic $ 1.31 $ 1.38
Diluted 1.30 1.36
Dividends Declared Per Common Share $ 0.36 $ 0.34