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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Interest income:        
Interest and fees on loans $ 14,145 $ 11,051 $ 40,695 $ 30,727
Interest on due from banks 606 900 1,506 1,453
Interest on investment securities:        
U.S. Government sponsored enterprises 2,358 1,288 6,868 2,280
State and political subdivisions 696 1,056 2,254 3,009
Other 501 316 1,383 463
Total interest income 18,306 14,611 52,706 37,932
Interest expense:        
NOW, MMDA & savings deposits 1,752 494 4,888 1,263
Time deposits 2,512 134 4,666 421
Junior subordinated debentures 284 146 791 324
Other 418 44 912 117
Total interest expense 4,966 818 11,257 2,125
Net interest income 13,340 13,793 41,449 35,807
Provision for credit losses 562 408 1,161 889
Net interest income after provision for loan losses 12,778 13,385 40,288 34,918
Non-interest income:        
Service charges 1,412 1,458 4,081 4,000
Other service charges and fees 165 169 510 540
Loss on sale of securities, net 0 0 (2,488) 0
Mortgage banking income 72 59 204 358
Insurance and brokerage commissions 291 213 725 709
Appraisal management fee income 2,785 2,711 7,469 9,656
Miscellaneous 2,049 2,183 6,286 5,904
Total non-interest income 6,774 6,793 16,787 21,167
Non-interest expense:        
Salaries and employee benefits 6,722 6,177 19,508 18,469
Occupancy 1,988 2,038 5,983 5,886
Professional fees 406 413 1,255 1,241
Advertising 217 175 562 509
Debit card expense 392 228 947 826
FDIC Insurance 186 121 556 346
Appraisal management fee expense 2,182 2,151 5,881 7,680
Miscellaneous 2,162 2,152 6,884 6,082
Total non-interest expense 14,255 13,455 41,576 41,039
Earnings before income taxes 5,297 6,723 15,499 15,046
Income tax expense 1,170 1,416 3,393 3,070
Net earnings $ 4,127 $ 5,307 $ 12,106 $ 11,976
Basic net earnings per share $ 0.76 $ 0.96 $ 2.22 $ 2.18
Diluted net earnings per share 0.74 0.93 2.15 2.11
Cash dividends declared per share $ 0.19 $ 0.18 $ 0.72 $ 0.69