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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2021
Mar. 31, 2020
INTEREST AND DIVIDEND INCOME    
Loans, including fees $ 23,805 $ 24,099
Taxable securities 1,719 1,547
Tax exempt securities 2,074 1,782
Dividends 121 140
Federal funds sold and other interest income 71 149
TOTAL INTEREST AND DIVIDEND INCOME 27,790 27,717
INTEREST EXPENSE    
Deposits 2,226 4,639
Short-term borrowings 4 320
Long-term borrowings 293 456
TOTAL INTEREST EXPENSE 2,523 5,415
NET INTEREST INCOME 25,267 22,302
Provision for credit losses 425 1,100
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 24,842 21,202
NONINTEREST INCOME    
Bank owned life insurance income 284 208
Security gains, including fair value changes for equity securities 488 157
Net gains on sale of loans 3,185 1,366
Other operating income 673 650
TOTAL NONINTEREST INCOME 10,583 7,870
NONINTEREST EXPENSES    
Salaries and employee benefits 9,976 10,231
Occupancy and equipment 2,275 1,800
State and local taxes 554 464
Professional fees 1,056 816
Merger related costs 12 1,319
Advertising 260 271
FDIC insurance 170 225
Intangible amortization 316 332
Core processing charges 627 861
Telephone and data 138 203
Other operating expenses 2,384 2,215
TOTAL NONINTEREST EXPENSES 17,768 18,737
INCOME BEFORE INCOME TAXES 17,657 10,335
INCOME TAXES 3,101 1,696
NET INCOME $ 14,556 $ 8,639
EARNINGS PER SHARE - basic $ 0.52 $ 0.30
EARNINGS PER SHARE - fully diluted $ 0.51 $ 0.30
Service Charges on Deposit Accounts    
NONINTEREST INCOME    
Noninterest income $ 808 $ 1,095
Trust Fees    
NONINTEREST INCOME    
Noninterest income 2,236 1,857
Insurance Agency Commissions    
NONINTEREST INCOME    
Noninterest income 1,001 883
Retirement Plan Consulting Fees    
NONINTEREST INCOME    
Noninterest income 320 380
Investment Commissions    
NONINTEREST INCOME    
Noninterest income 504 423
Debit Card and EFT Fees    
NONINTEREST INCOME    
Noninterest income $ 1,084 $ 851