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Condensed Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Interest Income    
Loans, including fees $ 29,703 $ 20,455
Debt securities:    
U.S. Treasury and government agencies 1,068 1,023
Municipalities 408 300
Dividends 123 42
Federal funds sold 21 10
Other 479 69
Total interest income 31,802 21,899
Interest Expense    
Deposits 8,151 1,360
Federal funds purchased and securities sold under agreements to repurchase 405 152
Borrowed funds 1,280 335
Subordinated notes 284 269
Total interest expense 10,120 2,116
Net Interest Income - Before Provision for Credit Losses* 21,682 19,783
Provision for Credit Losses-Loans* 817 580
Provision for Credit Losses-Off Balance Sheet Credit Exposures 62  
Net Interest Income After Provision for Credit Losses* 20,803 19,203
Noninterest Income    
Net gain on sale of loans 67 697
Net loss on sale of available-for-sale securities (891)  
Total noninterest income 4,177 4,343
Noninterest Expense    
Salaries and wages 6,657 5,502
Employee benefits 2,165 2,054
Net occupancy expense 856 598
Furniture and equipment 1,252 1,056
Data processing 726 604
Franchise taxes 366 418
ATM expense 623 532
Advertising 514 237
Net loss on sale of other assets owned   (5)
FDIC assessment 306 114
Mortgage servicing rights amortization - net 159 26
Consulting fees 230 178
Other general and administrative 3,077 2,179
Total noninterest expense 16,931 13,493
Income Before Income Taxes 8,049 10,053
Income Taxes 1,583 1,951
Net Income $ 6,466 $ 8,102
Basic Earnings Per Share $ 0.47 $ 0.62
Diluted Earnings Per Share 0.47 0.62
Dividends Declared $ 0.21 $ 0.19
Customer Service Fees [Member]    
Noninterest Income    
Noninterest income $ 2,447 $ 2,648
Other Service Charges and Fees [Member]    
Noninterest Income    
Noninterest income $ 2,554 $ 998