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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
INTEREST INCOME        
Loans $ 67,442 $ 46,764 $ 132,880 $ 89,829
Investment securities and other 6,176 5,934 12,201 9,543
TOTAL INTEREST INCOME 73,618 52,698 145,081 99,372
INTEREST EXPENSE        
Deposits 21,785 2,358 36,435 4,532
Securities sold under reverse repurchase agreements 221 8 563 18
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 1,943 236 3,723 237
Subordinated debentures issued to capital trust 426 159 819 277
Subordinated notes 1,105 1,106 2,211 2,211
TOTAL INTEREST EXPENSE 25,480 3,867 43,751 7,275
NET INTEREST INCOME 48,138 48,831 101,330 92,097
PROVISION FOR CREDIT LOSSES ON LOANS     1,500  
PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS (1,619) 2,223 (2,445) 2,030
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES AND PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS 49,757 46,608 102,275 90,067
NON-INTEREST INCOME        
Commissions 228 389 655 686
Overdraft and insufficient funds fees 1,989 1,888 3,885 3,753
Point-Of-Sale and ATM fee income and service charges 3,779 4,104 7,480 8,068
Net gains on loan sales 709 498 1,098 1,632
Net realized gain on sale of available-for-sale securities       7
Late charges and fees on loans 125 360 305 673
Gain (loss) on derivative interest rate products 2 145 (289) 297
Other income 937 1,935 2,524 3,379
TOTAL NON-INTEREST INCOME 7,769 9,319 15,658 18,495
NON-INTEREST EXPENSE        
Salaries and employee benefits 19,678 19,432 38,881 37,512
Net occupancy and equipment expense 7,409 6,808 15,129 13,686
Postage 914 844 1,742 1,631
Insurance 1,010 787 1,877 1,581
Advertising 903 875 1,550 1,430
Office supplies and printing 258 208 526 426
Telephone 688 832 1,391 1,681
Legal, audit and other professional fees 1,647 1,196 3,628 2,001
Expense on other real estate and repossessions 47 65 201 228
Acquired intangible asset amortization 58 177 169 335
Other operating expenses 2,106 1,780 4,087 3,760
TOTAL NON-INTEREST EXPENSE 34,718 33,004 69,181 64,271
INCOME BEFORE INCOME TAXES 22,808 22,923 48,752 44,291
PROVISION FOR INCOME TAXES 4,488 4,699 9,976 9,080
NET INCOME $ 18,320 $ 18,224 $ 38,776 $ 35,211
Earnings Per Common Share        
Basic Earnings Per Common Share $ 1.52 $ 1.45 $ 3.20 $ 2.76
Diluted Earnings Per Common Share 1.52 1.44 3.19 2.73
Dividends Declared Per Common Share $ 0.40 $ 0.40 $ 0.80 $ 0.76