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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
INTEREST AND DIVIDEND INCOME    
Loans, including fees $ 25,562 $ 23,805
Taxable securities 4,587 1,719
Tax exempt securities 2,952 2,074
Dividends 130 121
Federal funds sold and other interest income 48 71
TOTAL INTEREST AND DIVIDEND INCOME 33,279 27,790
INTEREST EXPENSE    
Deposits 1,244 2,226
Short-term borrowings 1 4
Long-term borrowings 792 293
TOTAL INTEREST EXPENSE 2,037 2,523
NET INTEREST INCOME 31,242 25,267
(Credit) provision for credit losses (930) 425
Provision for unfunded loans 572 0
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 31,600 24,842
NONINTEREST INCOME    
Bank owned life insurance income, including death benefit 409 284
Security (losses) gains, including fair value changes for equity securities (11) 488
Net gains on sale of loans 1,129 2,900
Other mortgage banking income (loss), net 60 (115)
Legal settlement 8,400 0
Other operating income 493 533
TOTAL NONINTEREST INCOME 17,698 10,132
NONINTEREST EXPENSES    
Salaries and employee benefits 11,831 9,976
Occupancy and equipment 2,680 2,275
State and local taxes 678 554
Professional fees 3,135 1,056
Merger related costs 1,940 12
Advertising 392 260
FDIC insurance 267 170
Intangible amortization 420 316
Core processing charges 745 627
Charitable donation 6,000 0
Other operating expenses 2,368 2,071
TOTAL NONINTEREST EXPENSES 30,456 17,317
INCOME BEFORE INCOME TAXES 18,842 17,657
INCOME TAXES 2,998 3,101
NET INCOME $ 15,844 $ 14,556
EARNINGS PER SHARE - basic $ 0.47 $ 0.52
EARNINGS PER SHARE - fully diluted $ 0.47 $ 0.51
Service Charges on Deposit Accounts    
NONINTEREST INCOME    
Noninterest income $ 1,145 $ 808
Trust Fees    
NONINTEREST INCOME    
Noninterest income 2,519 2,236
Insurance Agency Commissions    
NONINTEREST INCOME    
Noninterest income 1,047 1,003
Retirement Plan Consulting Fees    
NONINTEREST INCOME    
Noninterest income 397 320
Investment Commissions    
NONINTEREST INCOME    
Noninterest income 694 504
Debit Card and EFT Fees    
NONINTEREST INCOME    
Noninterest income $ 1,416 $ 1,171