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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Interest income:      
Loans, including fees $ 39,671 $ 37,037 $ 35,447
Investment securities - taxable 6,155 5,011 5,271
Investment securities - non taxable 1,564 1,454 1,365
Other short term investments 130 276 547
Total interest income 47,520 43,778 42,630
Interest expense:      
Deposits 1,740 3,021 4,558
Securities sold under agreement to repurchase 85 190 386
Other borrowed money 416 544 837
Total interest expense 2,241 3,755 5,781
Net interest income 45,279 40,023 36,849
Provision for loan losses 335 3,663 139
Net interest income after provision for loan losses 44,944 36,360 36,710
Non-interest income:      
Deposit service charges 977 1,121 1,649
Mortgage banking income 4,319 [1] 5,557 [1] 4,555
Investment advisory fees and non-deposit commissions 3,995 [1] 2,720 [1] 2,021
Gain on sale of securities [1] 99 [1] 136
Gain (loss) on sale of other real estate owned 77 147 (3)
Gain on sale of other assets 117
Write-down on premises held for sale (282)
Other non-recurring income 171 311
Other 4,248 [2] 3,814 [2] 3,660
Total non-interest income 13,904 13,769 11,736
Non-interest expense:      
Salaries and employee benefits 24,494 24,026 21,261
Occupancy 2,947 2,709 2,696
Equipment 1,296 1,237 1,493
Marketing and public relations 1,173 1,043 1,114
FDIC Insurance assessments 618 404 57
Other real estate expense 105 201 81
Amortization of intangibles 201 363 523
Other 8,367 7,551 7,392
Total non-interest expense 39,201 37,534 34,617
Net income before tax 19,647 12,595 13,829
Income tax expense 4,182 2,496 2,858
Net income $ 15,465 $ 10,099 $ 10,971
Basic earnings per common share $ 2.06 $ 1.36 $ 1.46
Diluted earnings per common share $ 2.05 $ 1.35 $ 1.45
[1] Not within the scope of ASC 606
[2] Includes Check Card Fee income discussed above.  No other items are within the scope of ASC 606.