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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
INTEREST INCOME        
Loans $ 68,878 $ 54,077 $ 201,758 $ 143,906
Investment securities and other 6,394 5,580 18,595 15,122
TOTAL INTEREST INCOME 75,272 59,657 220,353 159,028
INTEREST EXPENSE        
Deposits 25,233 4,984 61,668 9,516
Securities sold under reverse repurchase agreements 308 45 871 62
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities 1,433 377 5,156 614
Subordinated debentures issued to capital trust 454 248 1,273 525
Subordinated notes 1,106 1,105 3,317 3,317
TOTAL INTEREST EXPENSE 28,534 6,759 72,285 14,034
NET INTEREST INCOME 46,738 52,898 148,068 144,994
PROVISION FOR CREDIT LOSSES ON LOANS   2,000 1,500 2,000
PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS (1,195) 1,315 (3,640) 3,345
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES AND PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS 47,933 49,583 150,208 139,649
NON-INTEREST INCOME        
Commissions 232 226 887 912
Overdraft and insufficient funds fees 2,017 2,077 5,902 5,830
Point-Of-Sale and ATM fee income and service charges 3,724 3,874 11,204 11,942
Net gains on loan sales 784 601 1,882 2,234
Net realized gain on sale of available-for-sale securities   31   38
Late charges and fees on loans 149 206 454 879
Gain on derivative interest rate products 55 88 (234) 385
Other income 891 881 3,415 4,260
TOTAL NON-INTEREST INCOME 7,852 7,984 23,510 26,480
NON-INTEREST EXPENSE        
Salaries and employee benefits 19,673 18,976 58,554 56,488
Net occupancy and equipment expense 7,729 7,198 22,858 20,884
Postage 844 860 2,586 2,491
Insurance 1,301 803 3,178 2,383
Advertising 950 953 2,500 2,383
Office supplies and printing 294 236 820 662
Telephone 657 832 2,048 2,513
Legal, audit and other professional fees 1,849 2,239 5,477 4,240
Expense on other real estate and repossessions 62 84 263 313
Acquired intangible asset amortization 59 216 228 552
Other operating expenses 2,139 2,361 6,226 6,121
TOTAL NON-INTEREST EXPENSE 35,557 34,758 104,738 99,030
INCOME BEFORE INCOME TAXES 20,228 22,809 68,980 67,099
PROVISION FOR INCOME TAXES 4,349 4,676 14,325 13,755
NET INCOME $ 15,879 $ 18,133 $ 54,655 $ 53,344
Earnings Per Common Share        
Basic Earnings Per Common Share $ 1.33 $ 1.47 $ 4.53 $ 4.23
Diluted Earnings Per Common Share 1.33 1.46 4.52 4.20
Dividends Declared Per Common Share $ 0.40 $ 0.40 $ 1.20 $ 1.16