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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
INTEREST INCOME        
Loans $ 54,077 $ 46,536 $ 143,906 $ 141,605
Investment securities and other 5,580 3,104 15,122 9,120
TOTAL INTEREST INCOME 59,657 49,640 159,028 150,725
INTEREST EXPENSE        
Deposits 4,984 2,925 9,516 10,604
Securities sold under reverse repurchase agreements 45 10 62 29
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 377   614  
Subordinated debentures issued to capital trust 248 111 525 337
Subordinated notes 1,105 1,671 3,317 6,060
TOTAL INTEREST EXPENSE 6,759 4,717 14,034 17,030
NET INTEREST INCOME 52,898 44,923 144,994 133,695
PROVISION (CREDIT) FOR CREDIT LOSSES ON LOANS 2,000 (3,000) 2,000 (3,700)
PROVISION FOR UNFUNDED COMMITMENTS 1,315 643 3,345 (338)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR CREDIT LOSSES AND PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS 49,583 47,280 139,649 137,733
NON-INTEREST INCOME        
Commissions 226 325 912 977
Overdraft and insufficient funds fees 2,077 1,845 5,830 4,817
Point-Of-Sale and ATM fee income and service charges 3,874 3,714 11,942 11,043
Net gains on loan sales 601 2,341 2,234 7,643
Net realized gain on sale of available for sale securities 31   38  
Late charges and fees on loans 206 481 879 1,141
Gain on derivative interest rate products 88 45 385 340
Other income 881 1,047 4,260 3,159
TOTAL NON-INTEREST INCOME 7,984 9,798 26,480 29,120
NON-INTEREST EXPENSE        
Salaries and employee benefits 18,976 17,834 56,488 52,887
Net occupancy and equipment expense 7,198 7,244 20,884 21,013
Postage 860 759 2,491 2,387
Insurance 803 775 2,383 2,294
Advertising 953 997 2,383 2,187
Office supplies and printing 236 200 662 639
Telephone 832 848 2,513 2,597
Legal, audit and other professional fees 2,239 636 4,240 1,814
Expense on other real estate and repossessions 84 103 313 473
Acquired intangible asset amortization 216 158 552 705
Other operating expenses 2,361 1,785 6,121 4,856
TOTAL NON-INTEREST EXPENSE 34,758 31,339 99,030 91,852
INCOME BEFORE INCOME TAXES 22,809 25,739 67,099 75,001
PROVISION FOR INCOME TAXES 4,676 5,375 13,755 15,655
NET INCOME $ 18,133 $ 20,364 $ 53,344 $ 59,346
Earnings Per Common Share        
Basic Earnings Per Common Share $ 1.47 $ 1.50 $ 4.23 $ 4.35
Diluted Earnings Per Common Share 1.46 1.49 4.20 4.32
Dividends Declared Per Common Share $ 0.40 $ 0.36 $ 1.16 $ 1.04