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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Interest income:        
Interest and fees on loans $ 10,180 $ 10,894 $ 20,860 $ 21,513
Interest on due from banks 41 35 84 49
Interest on federal funds sold 22 0 145 0
Interest on investment securities:        
U.S. Government sponsored enterprises 651 641 1,336 1,314
State and political subdivisions 684 760 1,325 1,594
Other 60 45 138 88
Total interest income 11,638 12,375 23,888 24,558
Interest expense:        
NOW, MMDA & savings deposits 448 320 973 602
Time deposits 224 171 501 322
FHLB borrowings 102 3 166 49
Junior subordinated debentures 90 220 220 446
Other 48 67 93 119
Total interest expense 912 781 1,953 1,538
Net interest income 10,726 11,594 21,935 23,020
Provision for loan losses 1,417 77 2,938 255
Net interest income after provision for loan losses 9,309 11,517 18,997 22,765
Non-interest income:        
Service charges 718 1,138 1,826 2,231
Other service charges and fees 162 177 355 346
Gain on sale of securities 457 0 457 231
Mortgage banking income 563 311 885 458
Insurance and brokerage commissions 205 205 447 436
Appraisal management fee income 1,734 1,112 3,084 1,974
Miscellaneous 1,400 1,442 2,780 2,829
Total non-interest income 5,239 4,385 9,834 8,505
Non-interest expense:        
Salaries and employee benefits 5,535 5,718 11,259 11,365
Occupancy 1,861 1,811 3,782 3,548
Professional fees 414 429 747 718
Advertising 196 275 414 541
Debit card expense 258 239 488 466
FDIC insurance 48 80 88 152
Appraisal management fee expense 1,333 864 2,367 1,526
Other 1,807 1,828 3,756 3,844
Total non-interest expense 11,452 11,244 22,901 22,160
Earnings before income taxes 3,096 4,658 5,930 9,110
Income tax expense 535 845 1,002 1,630
Net earnings $ 2,561 $ 3,813 $ 4,928 $ 7,480
Basic net earnings per share $ 0.44 $ 0.64 $ 0.84 $ 1.25
Diluted net earnings per share 0.44 0.64 0.84 1.25
Cash dividends declared per share $ 0.15 $ 0.14 $ 0.45 $ 0.38