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Consolidated Condensed Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
INTEREST AND DIVIDEND INCOME        
Loans, including fees $ 46,989 $ 43,838 $ 138,519 $ 127,025
Taxable securities 6,761 6,493 19,988 19,697
Tax exempt securities 2,456 2,661 7,546 8,176
Dividends 346 487 1,030 1,457
Federal funds sold and other interest income 1,371 750 2,740 1,911
TOTAL INTEREST AND DIVIDEND INCOME 57,923 54,229 169,823 158,266
INTEREST EXPENSE        
Deposits 21,547 17,462 60,096 44,660
Short-term borrowings 3,476 1,960 11,000 5,608
Long-term borrowings 1,024 1,039 3,098 3,042
TOTAL INTEREST EXPENSE 26,047 20,461 74,194 53,310
NET INTEREST INCOME 31,876 33,768 95,629 104,956
Provision for credit losses 6,807 182 7,932 8,232
Provision (credit) for unfunded loans 201 61 (261) 635
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 24,868 33,525 87,958 96,089
NONINTEREST INCOME        
Bank owned life insurance income 688 694 2,046 1,825
Security (losses), including fair value changes for equity securities (403) (624) (2,647) (490)
Net gains on sale of loans 506 395 1,219 1,111
Other mortgage banking income, net (168) 185 150 571
Other operating income 2,619 1,093 3,892 2,885
TOTAL NONINTEREST INCOME 12,340 9,831 30,302 29,705
NONINTEREST EXPENSES        
Salaries and employee benefits 14,874 14,233 44,501 42,503
Occupancy and equipment 3,968 3,810 11,512 11,538
FDIC insurance and state and local taxes 1,480 1,648 4,010 4,365
Professional fees 1,084 1,043 3,532 3,347
Merger related costs 0 268 0 5,022
Advertising 435 492 1,312 1,379
Intangible amortization 629 725 1,947 2,856
Core processing charges 1,186 1,274 3,420 3,582
Other operating expenses 3,419 4,223 10,283 10,232
TOTAL NONINTEREST EXPENSES 27,075 27,716 80,517 84,824
Income before taxes 10,133 15,640 37,743 40,970
INCOME TAXES 1,598 2,326 6,185 5,614
Net income $ 8,535 $ 13,314 $ 31,558 $ 35,356
EARNINGS PER SHARE - basic $ 0.23 $ 0.36 $ 0.85 $ 0.94
EARNINGS PER SHARE - diluted $ 0.23 $ 0.36 $ 0.84 $ 0.94
Service Charges on Deposit Accounts        
NONINTEREST INCOME        
Noninterest income $ 1,992 $ 1,712 $ 5,421 $ 4,646
Trust Fees        
NONINTEREST INCOME        
Noninterest income 2,544 2,327 7,398 6,665
Insurance Agency Commissions        
NONINTEREST INCOME        
Noninterest income 1,416 1,116 4,199 3,904
Retirement Plan Consulting Fees        
NONINTEREST INCOME        
Noninterest income 677 650 1,918 1,837
Investment Commissions        
NONINTEREST INCOME        
Noninterest income 476 520 1,386 1,389
Debit Card and EFT Fees        
NONINTEREST INCOME        
Noninterest income $ 1,993 $ 1,763 $ 5,320 $ 5,362