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Consolidated Statements of Earnings - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Interest income:      
Interest and fees on loans $ 42,314 $ 43,301 $ 38,654
Interest on due from banks 127 213 304
Interest on federal funds sold 204 331 0
Interest on investment securities:      
U.S. Government sponsored enterprises 2,361 2,670 2,333
States and political subdivisions 2,691 2,915 3,877
Other 261 171 182
Total interest income 47,958 49,601 45,350
Interest expense:      
NOW, MMDA & savings deposits 1,962 1,596 769
Time deposits 947 909 472
FHLB borrowings 357 205 0
Junior subordinated debentures 370 844 790
Other 200 203 115
Total interest expense 3,836 3,757 2,146
Net interest income 44,122 45,844 43,204
Provision for (reduction of) loan losses 4,259 863 790
Net interest income after provision for loan losses 39,863 44,981 42,414
Non-interest income:      
Service charges 3,528 4,576 4,355
Other service charges and fees 742 714 705
Gain on sale of securities 2,639 226 15
Mortgage banking income 2,469 1,264 851
Insurance and brokerage commissions 897 877 824
Appraisal management fee income 6,754 4,484 3,206
Gain (loss) on sales and write-downs of other real estate (47) (11) 17
Miscellaneous 5,932 5,609 6,193
Total non-interest income 22,914 17,739 16,166
Non-interest expense:      
Salaries and employee benefits 23,538 23,238 21,530
Occupancy 7,933 7,364 7,170
Professional fees 1,580 1,490 1,525
Advertising 787 1,021 922
Debit card expense 1,012 890 994
FDIC insurance 263 119 328
Appraisal management fee expense 5,274 3,421 2,460
Other 8,544 7,974 7,645
Total non-interest expense 48,931 45,517 42,574
Earnings before income taxes 13,846 17,203 16,006
Income tax expense 2,489 3,136 2,624
Net earnings $ 11,357 $ 14,067 $ 13,382
Basic net earnings per share $ 1.95 $ 2.37 $ 2.23
Diluted net earnings per share 1.95 2.36 2.22
Cash dividends declared per share $ 0.75 $ 0.66 $ 0.52