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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest and dividend income:    
Loans, including fees $ 15,550 $ 11,159
Investment securities – taxable 4,189 4,061
Investment securities – non taxable 357 375
Other short term investments and CDs 1,160 295
Total interest income 21,256 15,890
Interest expense:    
Deposits 7,203 1,993
Securities sold under agreement to repurchase 609 356
Other borrowed money 1,367 1,184
Total interest expense 9,179 3,533
Net interest income 12,077 12,357
Provision for credit losses 129 70
Net interest income after provision for credit losses 11,948 12,287
Non-interest income:    
Deposit service charges 259 232
Mortgage banking income 425 155
Investment advisory fees and non-deposit commissions 1,358 1,067
Other 1,142 1,121
Total non-interest income 3,184 2,575
Non-interest expense:    
Salaries and employee benefits 7,101 6,331
Occupancy 790 830
Equipment 330 336
Marketing and public relations 566 346
FDIC Insurance assessments 278 182
Other real estate expense, net 12 (133)
Amortization of intangibles 39 39
Other 2,689 2,505
Total non-interest expense 11,805 10,436
Net income before tax 3,327 4,426
Income tax expense 730 963
Net income $ 2,597 $ 3,463
Basic earnings per common share $ 0.34 $ 0.46
Diluted earnings per common share $ 0.34 $ 0.45