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Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
INTEREST INCOME    
Loans, Including Fees $ 49,581 $ 44,955
Investment Securities 7,916 6,218
Other 1,172 819
Total Interest Income 58,669 51,992
INTEREST EXPENSE    
Deposits 30,190 16,374
Federal Funds Purchased 304 4,944
Notes Payable 295 263
FHLB Advances 2,258 861
Subordinated Debentures 991 983
Total Interest Expense 34,038 23,425
NET INTEREST INCOME 24,631 28,567
Provision for Credit Losses 750 625
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 23,881 27,942
NONINTEREST INCOME    
Customer Service Fees 342 349
Net Gain (Loss) on Sales of Available for Sale Securities 93 (56)
Letter of Credit Fees 316 634
Debit Card Interchange Fees 141 138
Bank-Owned Life Insurance 301 234
FHLB Prepayment Income   299
Other Income 357 345
Total Noninterest Income 1,550 1,943
NONINTEREST EXPENSE    
Salaries and Employee Benefits 9,433 8,815
Occupancy and Equipment 1,057 1,209
FDIC Insurance Assessment 875 665
Data Processing 412 357
Professional and Consulting Fees 889 755
Derivative Collateral Fees 486 380
Information Technology and Telecommunications 796 683
Marketing and Advertising 322 262
Intangible Asset Amortization 9 48
Other Expense 910 895
Total Noninterest Expense 15,189 14,069
INCOME BEFORE INCOME TAXES 10,242 15,816
Provision for Income Taxes 2,411 4,174
NET INCOME 7,831 11,642
Preferred Stock Dividends (1,013) (1,013)
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 6,818 $ 10,629
EARNINGS PER SHARE    
Basic (in dollars per share) $ 0.25 $ 0.38
Diluted (in dollars per share) $ 0.24 $ 0.37