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Consolidated Statements of Earnings - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Interest income:        
Interest and fees on loans $ 9,934 $ 11,003 $ 19,676 $ 21,667
Interest on due from banks 442 48 553 83
Interest on investment securities:        
U.S. Government sponsored enterprises 585 682 1,096 1,220
State and political subdivisions 1,010 758 1,953 1,397
Other 21 26 43 72
Total interest income 11,992 12,517 23,321 24,439
Interest expense:        
NOW, MMDA & savings deposits 366 543 769 1,040
Time deposits 141 191 287 403
Junior subordinated debentures 103 71 178 142
Other 34 37 73 72
Total interest expense 644 842 1,307 1,657
Net interest income 11,348 11,675 22,014 22,782
Provision for (recovery of) loan losses 410 (226) 481 (681)
Net interest income after provision for loan losses 10,938 11,901 21,533 23,463
Non-interest income:        
Service charges 1,374 910 2,542 1,836
Other service charges and fees 178 171 371 383
Mortgage banking income 99 723 299 1,593
Insurance and brokerage commissions 256 238 496 498
Appraisal management fee income 3,439 2,005 6,945 3,821
Gain on sale of other real estate 0 21 0 21
Miscellaneous 1,982 1,972 3,721 3,761
Total non-interest income 7,328 6,040 14,374 11,913
Non-interest expense:        
Salaries and employee benefits 6,443 5,666 12,292 11,849
Occupancy 1,932 1,939 3,848 3,892
Professional fees 455 435 828 772
Advertising 169 154 334 297
Debit card expense 322 264 598 496
FDIC Insurance 115 164 225 196
Appraisal management fee expense 2,757 1,634 5,529 3,090
Miscellaneous 2,050 1,876 3,930 3,808
Total non-interest expense 14,243 12,132 27,584 24,400
Earnings before income taxes 4,023 5,809 8,323 10,976
Income tax expense 806 1,194 1,654 2,240
Net earnings $ 3,217 $ 4,615 $ 6,669 $ 8,736
Basic net earnings per share $ 0.59 $ 0.82 $ 1.21 $ 1.55
Diluted net earnings per share 0.57 0.80 1.18 1.51
Cash dividends declared per share $ 0.18 $ 0.16 $ 0.51 $ 0.32