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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Interest income:    
Interest and fees on loans $ 12,883 $ 9,742
Interest on due from banks 383 111
Interest on investment securities:    
U.S. Government sponsored enterprises 2,230 505
State and political subdivisions 862 943
Other 443 28
Total interest income 16,801 11,329
Interest expense:    
Interest-bearing demand, MMDA & savings deposits 1,488 403
Time deposits 516 146
Junior subordinated debentures 248 75
Other 211 39
Total interest expense 2,463 663
Net interest income 14,338 10,666
Provision for credit losses 224 71
Net interest income after provision for credit losses 14,114 10,595
Non-interest income:    
Service charges 1,341 1,168
Other service charges and fees 182 193
Loss on sale of securities, net (2,488) 0
Mortgage banking income 93 200
Insurance and brokerage commissions 228 240
Appraisal management fee income 2,094 3,506
Miscellaneous 2,161 1,739
Total non-interest income 3,611 7,046
Non-interest expense:    
Salaries and employee benefits 6,500 5,849
Occupancy 2,014 1,916
Professional fees 399 373
Advertising 189 165
Debit card expense 273 276
FDIC insurance 110 110
Appraisal management fee expense 1,650 2,772
Other 2,567 1,880
Total non-interest expense 13,702 13,341
Earnings before income taxes 4,023 4,300
Income tax expense 851 848
Net earnings $ 3,172 $ 3,452
Basic net earnings per share $ 0.58 $ 0.63
Diluted net earnings per share 0.56 0.61
Cash dividends declared per share $ 0.34 $ 0.33