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Consolidated Condensed Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST AND DIVIDEND INCOME    
Interest income - loans including fees $ 46,707 $ 45,016
Taxable securities 7,096 6,415
Tax exempt securities 2,451 2,635
Dividends 541 362
Federal funds sold and other interest income 510 626
TOTAL INTEREST AND DIVIDEND INCOME 57,305 55,054
INTEREST EXPENSE    
Deposits 19,717 18,390
Short-term borrowings 2,417 3,939
Long-term borrowings 976 1,038
TOTAL INTEREST EXPENSE 23,110 23,367
NET INTEREST INCOME 34,195 31,687
(Credit) Provision for credit losses 22 (270)
(Credit) for unfunded commitments (226) (179)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 34,399 32,136
NONINTEREST INCOME    
Bank owned life insurance income 810 707
Security (losses), including fair value changes for equity securities (1,313) (2,120)
Net gains on sale of loans 326 297
Other mortgage banking income, net 147 125
Other operating income 1,178 1,111
Total noninterest income 10,481 8,357
NONINTEREST EXPENSES    
Salaries and employee benefits 16,166 15,069
Occupancy and equipment 4,138 3,730
FDIC insurance and state and local taxes 1,262 1,345
Professional fees 1,196 1,254
Advertising 456 431
Intangible amortization 735 688
Core processing charges 1,397 1,135
Other operating expenses 3,176 3,387
TOTAL NONINTEREST EXPENSES 28,526 27,039
INCOME BEFORE INCOME TAXES 16,354 13,454
Income Tax Expense (Benefit) 2,776 2,214
NET INCOME $ 13,578 $ 11,240
EARNINGS PER SHARE - basic (in dollars per share) $ 0.36 $ 0.3
EARNINGS PER SHARE - diluted (in dollars per share) $ 0.36 $ 0.3
Deposit Account [Member]    
NONINTEREST INCOME    
Noninterest revenue $ 1,758 $ 1,583
Fiduciary and Trust [Member]    
NONINTEREST INCOME    
Noninterest revenue 2,641 2,510
Insurance Agency Commissions [Member]    
NONINTEREST INCOME    
Noninterest revenue 1,741 1,528
Retirement Plan Consulting [Member]    
NONINTEREST INCOME    
Noninterest revenue 798 617
Investment Commissions [Member]    
NONINTEREST INCOME    
Noninterest revenue 529 432
Credit and Debit Card [Member]    
NONINTEREST INCOME    
Noninterest revenue $ 1,866 $ 1,567