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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2021
Mar. 31, 2020
Interest income:    
Interest and fees on loans $ 10,664 $ 10,680
Interest on due from banks 35 43
Interest on federal funds sold 0 123
Interest on investment securities:    
U.S. Government sponsored enterprises 538 685
State and political subdivisions 639 641
Other 46 78
Total interest income 11,922 12,250
Interest expense:    
Interest-bearing demand, MMDA & savings deposits 497 525
Time deposits 212 277
FHLB borrowings 0 64
Junior subordinated debentures 71 130
Other 35 45
Total interest expense 815 1,041
Net interest income 11,107 11,209
Provision for loan losses (455) 1,521
Net interest income after provision for loan losses 11,562 9,688
Non-interest income:    
Service charges 926 1,108
Other service charges and fees 212 193
Mortgage banking income 870 322
Insurance and brokerage commissions 260 242
Appraisal management fee income 1,816 1,350
Miscellaneous 1,789 1,380
Total non-interest income 5,873 4,595
Non-interest expense:    
Salaries and employee benefits 6,183 5,724
Occupancy 1,953 1,921
Professional fees 337 333
Advertising 143 218
Debit card expense 232 230
Appraisal management fee expense 1,456 1,034
Other 1,964 1,989
Total non-interest expense 12,268 11,449
Earnings before income taxes 5,167 2,834
Income tax expense 1,046 467
Net earnings $ 4,121 $ 2,367
Basic net earnings per share $ .73 $ .41
Diluted net earnings per share 0.71 0.4
Cash dividends declared per share $ 0.16 $ 0.3