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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Interest income:        
Interest and fees on loans $ 10,507 $ 11,004 $ 31,367 $ 32,517
Interest on due from banks 19 87 103 136
Interest on federal funds sold 33 0 178 0
Interest on investment securities:        
U.S. Government sponsored enterprises 528 628 1,864 1,942
State and political subdivisions 717 671 2,042 2,265
Other 64 40 202 128
Total interest income 11,868 12,430 35,756 36,988
Interest expense:        
NOW, MMDA & savings deposits 482 455 1,455 1,057
Time deposits 224 259 725 581
FHLB borrowings 103 21 269 70
Junior subordinated debentures 76 210 296 656
Other 57 49 150 168
Total interest expense 942 994 2,895 2,532
Net interest income 10,926 11,436 32,861 34,456
Provision for loan losses 522 422 3,460 677
Net interest income after provision for loan losses 10,404 11,014 29,401 33,779
Non-interest income:        
Service charges 809 1,178 2,635 3,409
Other service charges and fees 188 202 543 548
Gain/(loss) on sale of investment securities 1,688 (5) 2,145 226
Mortgage banking income 750 376 1,635 834
Insurance and brokerage commissions 200 206 647 642
Appraisal management fee income 1,871 1,311 4,955 3,285
Gain/(loss) on sale and write-down of other real estate (47) (1) (47) (18)
Miscellaneous 1,673 1,441 4,453 4,287
Total non-interest income 7,132 4,708 16,966 13,213
Non-interest expense:        
Salaries and employee benefits 5,737 5,695 16,996 17,060
Occupancy 1,943 1,861 5,725 5,409
Professional fees 374 237 1,121 955
Advertising 152 234 566 775
Debit card expense 278 201 766 667
FDIC insurance 81 (36) 169 116
Appraisal management fee expense 1,478 1,012 3,845 2,538
Other 1,871 2,063 5,627 5,907
Total non-interest expense 11,914 11,267 34,815 33,427
Earnings before income taxes 5,622 4,455 11,552 13,565
Income tax expense 1,113 834 2,115 2,464
Net earnings $ 4,509 $ 3,621 $ 9,437 $ 11,101
Basic net earnings per share $ 0.78 $ 0.62 $ 1.62 $ 1.87
Diluted net earnings per share 0.78 0.61 1.62 1.86
Cash dividends declared per share $ 0.15 $ 0.14 $ 0.6 $ 0.52