Exhibit 99.1

FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE FIRST FISCAL QUARTER ENDED DECEMBER 31, 2021

Jeffersonville, Indiana — January 25, 2022. First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the "Company"), the holding company for First Savings Bank (the "Bank"), today reported net income of $4.3 million, or $0.60 per diluted share, for the quarter ended December 31, 2021 compared to net income of $9.9 million, or $1.39 per diluted share, for the quarter ended December 31, 2020.

Commenting on the Company’s performance, Larry W. Myers, President and CEO, stated: “We had a very strong quarter of loan growth, recognized a stable net interest margin excluding PPP loans, realized improved asset quality ratios, executed our first sale of single-tenant net lease loans, and continued to stabilize the financial performance of the mortgage banking segment while positioning it for growth in calendar 2022. The core banking segment provided solid performance while the SBA lending segment underperformed due to an increase in provision for loan losses related to downgrades of nonperforming loans, which is oftentimes challenging to predict. I’m optimistic that the Company is well-positioned for the opportunities and challenges that will occur during 2022 and that each of the business lines will thrive and deliver exceptional value to our shareholders.”

Results of Operations for the Three Months Ended December 31, 2021 and 2020

Net interest income increased $164,000, or 1.2%, to $13.9 million for the three months ended December 31, 2021 as compared to the same period in 2020. The increase in net interest income was due to a $428,000 decrease in interest expense, partially offset by a $264,000 decrease in interest income. Interest income decreased due to a decrease in the average balance of interest-earning assets of $99.3 million, from $1.63 billion for 2020 to $1.53 billion for 2021, partially offset by an increase in the weighted-average tax-equivalent yield, from 4.03% for 2020 to 4.22% for 2021. The decrease in the average balance of interest-earning assets was due primarily to a decrease in PPP loans of $128.1 million and the increase in the weighted-average tax-equivalent yield is due primarily to an increase in the yield on PPP loans from 2.42% for 2020 to 4.65% for 2021. The increase in the yield on PPP loans was due to accelerated recognition of deferred PPP loan fees related to forgiveness payoffs during the quarter ended December 31, 2021. Interest expense decreased due to a decrease in the average cost of interest-bearing liabilities, from 0.70% for 2020 to 0.62% for 2021, and a decrease in the average balance of interest-bearing liabilities of $113.0 million, from $1.31 billion for 2020 to $1.20 billion for 2021. The decrease in the average cost of interest-bearing liabilities for 2021 was due primarily to decreasing market interest rates on deposits, including brokered certificates of deposit, and FHLB borrowings.

The Company recognized a provision for loan losses of $526,000 for the three months ended December 31, 2021 compared to a provision of $668,000 for the same period in 2020. Nonperforming loans, which consist of nonaccrual loans and loans over 90 days past due and still accruing interest, decreased $2.7 million from $15.5 million at September 30, 2021 to $12.7 million at December 31, 2021. The Company recognized net charge-offs of $47,000 for the three months ended December 31, 2021, compared to net charge-offs of $570,000 for the same period in 2020, of which $506,000 was related to unguaranteed portions of SBA loans.

Noninterest income decreased $29.6 million for the three months ended December 31, 2021 as compared to the same period in 2020. The decrease was due primarily to a decrease in mortgage banking income of $30.5 million. The decrease in mortgage banking income was primarily due to a $38.1 million decrease in production revenue from lower originations for sale, a decrease in the gain on sale margin, from 3.50% in 2020 to 2.08% in 2021, and an $8.4 million decrease in capitalized residential mortgage loan servicing rights, partially offset by a $675,000 increase in the fair value of the residential mortgage loan servicing rights portfolio in 2021 as compared to a $3.1 million unfavorable fair value adjustment recognized in 2020. Mortgage loans originated for sale were $541.1 million in the three months ended December 31, 2021 as compared to $1.43 billion in the same period in 2020.

Noninterest expense decreased $19.6 million for the three months ended December 31, 2021 as compared to the same period in 2020. The decrease was due primarily to decreases in compensation and benefits and advertising expense of $16.6 million and $1.5 million, respectively. The decrease in compensation and benefits expense is due primarily to a reduction in incentive compensation for the Company’s mortgage banking segment as a result of decreased mortgage banking income. The decrease in advertising expense was related to the reduced loan origination volume of the mortgage banking segment.

The Company recognized income tax expense of $811,000 for the three months ended December 31, 2021 compared to $4.5 million for the same period in 2020. The decrease was primarily the result of lower pretax income in 2021. The effective tax rate for 2021 was 15.9% as compared to 30.5% for 2020. The lower effective tax rate for 2021 was primarily due to lower nondeductible executive compensation expense in 2021 as compared to 2020.

Comparison of Financial Condition at December 31, 2021 and September 30, 2021

Total assets increased $43.2 million, from $1.72 billion at September 30, 2021 to $1.76 billion at December 31, 2021. Net loans held for investment increased $66.7 million during the quarter ended December 31, 2021, due primarily to growth in single-tenant net lease commercial real estate and residential mortgage loans, partially offset by a $10.6 million decrease in PPP loans. Excluding the decrease in PPP loans, net loans held for investment increased $77.3 million, or 7.2%, during the quarter ended December 31, 2021. Residential mortgage and single-tenant net lease loans held for sale decreased $47.2 million and $7.4 million, respectively, during the quarter due to loan sales outpacing originations. Residential mortgage loan servicing rights increased $5.2 million, or 10.5%, to $54.8 million at December 31, 2021 as the Company continues to increase its loan servicing portfolio.

Total liabilities increased $39.4 million due primarily to an increase of $39.5 million in total deposits.

Common stockholders’ equity increased $3.8 million, from $180.4 million at September 30, 2021 to $184.2 million at December 31, 2021, due primarily to an increase in retained net income of $3.4 million. At December 31, 2021 and September 30, 2021, the Bank was considered “well-capitalized” under applicable regulatory capital guidelines.

First Savings Bank is an entrepreneurial community bank headquartered in Jeffersonville, Indiana, which is directly across the river from Louisville, Kentucky, and operates fifteen depository branches within Southern Indiana. The Bank also has three national lending programs, including single-tenant net lease commercial real estate, SBA lending and residential mortgage banking, with offices located throughout the United States. The Bank is a recognized leader, both in its local communities and nationally for its lending programs. The employees of First Savings Bank strive daily to achieve the organization’s vision, We Expect To Be The BEST community BANK, which fuels our success. The Company’s common shares trade on The NASDAQ Stock Market under the symbol “FSFG.”

This release may contain forward-looking statements within the meaning of the federal securities laws. These statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements are preceded by terms such as "expects," "believes," "anticipates," "intends" and similar expressions.

Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or contribute to the Company's actual results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes in general economic conditions, including the duration, extent and severity of the COVID-19 pandemic, including its effect on our customers, service providers and on the economy and financial markets in general; changes in market interest rates; changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings with the Securities and Exchange Commission.

Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this report or made elsewhere from time to time by the Company or on its behalf. Except as may be required by applicable law or regulation, the Company assumes no obligation to update any forward-looking statements.

Contact:

Tony A. Schoen, CPA

Chief Financial Officer

812-283-0724

FIRST SAVINGS FINANCIAL GROUP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Unaudited)

* All share and per share amounts have been adjusted to reflect the three-for-one stock split effective September 15, 2021.

	Three Months Ended
	December 31,
OPERATING DATA:	2021			2020
(In thousands, except share and per share data)
Total interest income	$	15,762		$	16,026
Total interest expense		1,859			2,287
Net interest income		13,903			13,739
Provision for loan losses		526			668
Net interest income after provision for loan losses		13,377			13,071
Total noninterest income		16,591			46,183
Total noninterest expense		24,852			44,402
Income before income taxes		5,116			14,852
Income tax expense		811			4,527
Net income		4,305			10,325
Less:  Net income attributable to noncontrolling interests		-			402
Net income attributable to the Company	$	4,305		$	9,923
Net income per share, basic	$	0.60		$	1.40
Weighted average shares outstanding, basic		7,116,790			7,101,183
Net income per share, diluted	$	0.60		$	1.39
Weighted average shares outstanding, diluted		7,207,210			7,154,106
Performance ratios (three-month data annualized)
Return on average assets		1.01	%		2.23	%
Return on average equity		9.45	%		25.43	%
Return on average common stockholders' equity		9.45	%		24.52	%
Net interest margin (tax equivalent basis)		3.73	%		3.46	%
Efficiency ratio		81.50	%		74.10	%

	December 31,			September 30,			Increase
FINANCIAL CONDITION DATA:	2021			2021			(Decrease)
(In thousands, except per share data)
Total assets	$	1,764,589		$	1,721,394		$	43,195
Cash and cash equivalents		40,592			33,428			7,164
Investment securities		220,926			208,518			12,408
Loans held for sale		161,218			214,940			(53,722	)
Gross loans (1)		1,157,435			1,090,237			67,198
Allowance for loan losses		14,780			14,301			479
Interest earning assets		1,570,079			1,540,111			29,968
Goodwill		9,848			9,848			-
Core deposit intangibles		935			988			(53	)
Loan servicing rights		59,187			54,026			5,161
Noninterest-bearing deposits		287,449			291,039			(3,590	)
Interest-bearing deposits (2)		979,586			936,541			43,045
Federal Home Loan Bank borrowings		258,377			250,000			8,377
Total liabilities		1,580,369			1,541,017			39,352
Stockholders' equity, net of noncontrolling interests		184,220			180,377			3,843
Book value per share	$	25.69		$	25.31			0.38
Tangible book value per share (3)		24.19			23.79			0.40
Non-performing assets:
Nonaccrual loans - SBA guaranteed	$	5,518		$	6,748		$	(1,230	)
Nonaccrual loans - unguaranteed		7,210			8,252			(1,042	)
Total nonaccrual loans	$	12,728		$	15,000		$	(2,272	)
Accruing loans past due 90 days		-			472			(472	)
Total non-performing loans		12,728			15,472			(2,744	)
Troubled debt restructurings classified as performing loans		1,704			1,743			(39	)
Total non-performing assets	$	14,432		$	17,215		$	(2,783	)
Asset quality ratios:
Allowance for loan losses as a percent of total gross loans		1.28	%		1.31	%		(0.03	%)
Allowance for loan losses as a percent of total gross loans, excluding PPP loans (4)		1.33	%		1.38	%		(0.05	%)
Allowance for loan losses as a percent of nonperforming loans		116.12	%		92.43	%		23.69	%
Nonperforming loans as a percent of total gross loans		1.10	%		1.42	%		(0.32	%)
Nonperforming assets as a percent of total assets		0.82	%		1.00	%		(0.18	%)

(1) Includes $46.0 million and $56.7 million of PPP loans at December 31, 2021 and September 30, 2021, respectively.

(2) Includes $120.6 million and $100.1 million of brokered certificates of deposit at December 31, 2021 and September 30, 2021, respectively.

(3) See reconciliation of GAAP and Non-GAAP financial measures for additional information relating to calculation of this item.

(4) Denominator excludes PPP loans, which are fully guaranteed by the SBA.  This ratio is non-GAAP, but is believed by management to be meaningful because it provides a comparable ratio after eliminating PPP loans.

RECONCILIATION OF GAAP AND NON-GAAP FINANCIAL MEASURES (UNAUDITED):

The following non-GAAP financial measures used by the Company provide information useful to investors in understanding the Company's performance.  The Company believes the financial measures presented below are important because of their widespread use by investors as a means to evaluate capital adequacy and earnings.  The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company's consolidated financial statements and reconciles those non-GAAP financial measures with the comparable GAAP financial measures.

	December 31,			September 30,			Increase
Tangible Book Value Per Share	2021			2021			(Decrease)
(In thousands, except share and per share data)
Stockholders' equity, net of noncontrolling interests (GAAP)	$	184,220		$	180,377		$	3,843
Less:  goodwill and core deposit intangibles		(10,783	)		(10,836	)		53
Tangible equity (non-GAAP)	$	173,437		$	169,541			3,896
Outstanding common shares		7,169,826			7,125,888			43,938
Tangible book value per share (non-GAAP)	$	24.19		$	23.79		$	0.40
Book value per share (GAAP)	$	25.69		$	25.31		$	0.38

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED):	As of
Summarized Consolidated Balance Sheets	December 31,		September 30,		June 30,		March 31,		December 31,
(In thousands, except per share data)	2021		2021		2021		2021		2020
Total cash and cash equivalents	$	40,592	$	33,428	$	22,909	$	30,837	$	35,392
Total investment securities		220,926		208,518		209,551		207,331		205,661
Total loans held for sale		161,218		214,940		277,374		207,141		357,242
Total loans, net of allowance for loan losses		1,142,655		1,075,936		1,065,852		1,128,348		1,114,708
PPP loans		46,020		56,656		100,573		159,320		178,499
Loan servicing rights		59,187		54,026		51,778		49,367		35,232
Total assets		1,764,589		1,721,394		1,759,330		1,751,257		1,873,665
Total deposits	$	1,267,035	$	1,227,580	$	1,127,155	$	1,095,496	$	1,121,320
Federal Home Loan Bank borrowings		258,377		250,000		283,289		289,237		340,092
Federal Reserve PPPLF borrowings		-		-		107,829		128,494		172,772
Stockholders' equity	$	184,220	$	180,377	$	177,735	$	173,040	$	165,745
Outstanding common shares		7,169,826		7,125,888		7,124,388		7,125,081		7,124,781

	Three Months Ended
Summarized Consolidated Statements of Income	December 31,		September 30,		June 30,			March 31,		December 31,
(In thousands, except per share data)	2021		2021		2021			2021		2020
Total interest income	$	15,762	$	16,243	$	16,150		$	16,840	$	16,026
Total interest expense		1,859		1,819		1,921			2,060		2,287
Net interest income		13,903		14,424		14,229			14,780		13,739
Provision (credit) for loan losses		526		8		(2,730	)		287		668
Net interest income after provision for loan losses		13,377		14,416		16,959			14,493		13,071
Total noninterest income		16,591		16,495		18,785			38,973		46,183
Total noninterest expense		24,852		25,104		30,619			39,284		44,402
Income before income taxes		5,116		5,807		5,125			14,182		14,852
Income tax expense		811		958		817			3,695		4,527
Net income		4,305		4,849		4,308			10,487		10,325
Less: net income attributable to noncontrolling interests		-		-		-			-		402
Net income attributable to the Company	$	4,305	$	4,849	$	4,308		$	10,487	$	9,923
Net income per share, basic	$	0.60	$	0.68	$	0.61		$	1.48	$	1.40
Weighted average shares outstanding, basic		7,116,790		7,111,594		7,109,481			7,108,926		7,101,183
Net income per share, diluted	$	0.60	$	0.67	$	0.60		$	1.46	$	1.39
Weighted average shares outstanding, diluted		7,207,210		7,200,357		7,178,943			7,164,189		7,154,106

	Three Months Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Consolidated Performance Ratios (Annualized)	2021			2021			2021			2021			2020
Return on average assets		1.01	%		1.12	%		1.00	%		2.34	%		2.23	%
Return on average equity		9.45	%		10.92	%		9.94	%		24.97	%		25.43	%
Return on average common stockholders' equity		9.45	%		10.92	%		9.94	%		24.97	%		24.52	%
Net interest margin (tax equivalent basis)		3.73	%		3.79	%		3.75	%		3.69	%		3.46	%
Efficiency ratio		81.50	%		81.19	%		92.75	%		73.08	%		74.10	%

	As of or for the Three Months Ended
	December 31,			September 30,			June 30,			March 31,			December 31,
Consolidated Asset Quality Ratios	2021			2021			2021			2021			2020
Nonperforming loans as a percentage of total loans		1.10	%		1.42	%		1.15	%		1.00	%		1.10	%
Nonperforming assets as a percentage of total assets		0.82	%		1.00	%		0.81	%		0.78	%		0.78	%
Allowance for loan losses as a percentage of total loans		1.28	%		1.31	%		1.36	%		1.52	%		1.51	%
Allowance for loan losses as a percentage of nonperforming loans		116.12	%		92.43	%		117.88	%		152.72	%		138.02	%
Net charge-offs to average outstanding loans		0.00	%		0.03	%		0.00	%		0.00	%		0.04	%

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):	Three Months Ended
Segmented Statements of Income Information	December 31,			September 30,			June 30,			March 31,		December 31,
(In thousands, except per share data)	2021			2021			2021			2021		2020
Core Banking Segment:
Net interest income	$	11,495		$	11,517		$	11,401		$	11,114	$	10,861
Provision (credit) for loan losses		(144	)		(189	)		(2,401	)		106		702
Net interest income after provision (credit) for loan losses		11,639			11,706			13,802			11,008		10,159
Noninterest income		1,942			1,780			1,509			1,490		1,552
Noninterest expense		9,482			8,800			9,364			8,991		8,112
Income before income taxes		4,099			4,686			5,947			3,507		3,599
Income tax expense		500			569			792			507		570
Net income attributable to the Company	$	3,599		$	4,117		$	5,155		$	3,000	$	3,029
SBA Lending Segment (Q2):
Net interest income (5)	$	1,875		$	2,455		$	2,510		$	3,227	$	2,147
Provision (credit) for loan losses		670			197			(329	)		181		(34	)
Net interest income after provision (credit) for loan losses		1,205			2,258			2,839			3,046		2,181
Noninterest income		1,901			2,194			2,675			3,407		1,385
Noninterest expense		2,236			1,973			2,206			2,449		2,746
Income before income taxes		870			2,479			3,308			4,004		820
Income tax expense		265			612			790			1,005		105
Net income		605			1,867			2,518			2,999		715
Less: net income attributable to noncontrolling interests		-			-			-			-		402
Net income attributable to the Company (6)	$	605		$	1,867		$	2,518		$	2,999	$	313
Mortgage Banking Segment:
Net interest income	$	533		$	452		$	318		$	439	$	731
Provision for loan losses		-			-			-			-		-
Net interest income after provision for loan losses		533			452			318			439		731
Noninterest income		12,748			12,521			14,601			34,076		43,246
Noninterest expense		13,134			14,331			19,049			27,844		33,544
Income (loss) before income taxes		147			(1,358	)		(4,130	)		6,671		10,433
Income tax expense (benefit)		46			(223	)		(765	)		2,183		3,852
Net income (loss) attributable to the Company	$	101		$	(1,135	)	$	(3,365	)	$	4,488	$	6,581
Net Income (Loss) Per Share by Segment
Net income per share, basic - Core Banking	$	0.50		$	0.58		$	0.73		$	0.42	$	0.43
Net income per share, basic - SBA Lending (Q2) (7)		0.09			0.26			0.35			0.42		0.04
Net income (loss) per share, basic - Mortgage Banking		0.01			(0.16	)		(0.47	)		0.64		0.93
Total net income per share, basic (7)	$	0.60		$	0.68		$	0.61		$	1.48	$	1.40
Net Income (Loss) Per Diluted Share by Segment
Net income per share, diluted - Core Banking	$	0.50		$	0.57		$	0.72		$	0.42	$	0.42
Net income per share, diluted - SBA Lending (Q2) (8)		0.09			0.26			0.35			0.42		0.04
Net income (loss) per share, diluted - Mortgage Banking		0.01			(0.16	)		(0.47	)		0.62		0.93
Total net income per share, diluted (8)	$	0.60		$	0.67		$	0.60		$	1.46	$	1.39
(5) Includes net interest income derived from PPP loans of:	$	550		$	1,145		$	1,220		$	1,887	$	928
(6) Includes net income attributable to the Company derived from PPP loans (tax effected) of:	$	413		$	859		$	915		$	1,415	$	810
(7) Includes basic net income per share derived from PPP loans (tax effected) of:	$	0.06		$	0.12		$	0.13		$	0.20	$	0.11
(8) Includes diluted net income per share derived from PPP loans (tax effected) of:	$	0.06		$	0.12		$	0.13		$	0.20	$	0.11

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):	Three Months Ended
Noninterest Expense Detail by Segment	December 31,		September 30,		June 30,		March 31,		December 31,
(In thousands)	2021		2021		2021		2021		2020
Core Banking Segment:
Compensation (9)	$	5,776	$	5,220	$	5,039	$	4,895	$	4,127
Occupancy		1,357		1,415		1,473		1,387		1,392
Advertising		232		268		213		248		177
Other		2,117		1,897		2,639		2,461		2,416
Total Noninterest Expense	$	9,482	$	8,800	$	9,364	$	8,991	$	8,112
SBA Lending Segment (Q2):
Compensation	$	1,685	$	1,602	$	1,697	$	1,929	$	2,280
Occupancy		78		83		101		129		93
Advertising		9		6		3		8		10
Other		464		282		405		383		363
Total Noninterest Expense	$	2,236	$	1,973	$	2,206	$	2,449	$	2,746
Mortgage Banking Segment:
Compensation (9)	$	9,830	$	11,456	$	14,594	$	22,657	$	27,455
Occupancy		678		723		1,012		998		1,100
Advertising		551		588		1,133		1,796		2,124
Other		2,075		1,564		2,310		2,393		2,865
Total Noninterest Expense	$	13,134	$	14,331	$	19,049	$	27,844	$	33,544

	Three Months Ended
	December 31,		September 30,		June 30,		March 31,		December 31,
Mortgage Banking Noninterest Expense Fixed vs. Variable	2021		2021		2021		2021		2020
(In thousands)
Noninterest Expense - Fixed Expenses	$	7,752	$	7,779	$	9,764	$	11,713	$	13,296
Noninterest Expense - Variable Expenses (10)		5,382		6,552		9,285		16,131		20,248
Total Noninterest Expense	$	13,134	$	14,331	$	19,049	$	27,844	$	33,544

	Three Months Ended
SBA Lending (Q2) Data	December 31,			September 30,			June 30,			March 31,			December 31,
(In thousands, except percentage data)	2021			2021			2021			2021			2020
Final funded loans guaranteed portion sold, SBA	$	14,131		$	14,894		$	17,969		$	29,883		$	14,116
Gross gain on sales of loans, SBA	$	1,841		$	2,134		$	2,551		$	3,858		$	1,698
Weighted average gross gain on sales of loans, SBA		13.03	%		14.33	%		14.20	%		12.91	%		12.03	%
Net gain on sales of loans, SBA (11)	$	1,636		$	1,912		$	2,322		$	3,239		$	1,267
Weighted average net gain on sales of loans, SBA		11.58	%		12.84	%		12.92	%		10.84	%		8.98	%

	Three Months Ended
Mortgage Banking Data	December 31,			September 30,			June 30,			March 31,			December 31,
(In thousands, except percentage data)	2021			2021			2021			2021			2020
Mortgage originations for sale in the secondary market	$	541,074		$	579,458		$	739,502		$	1,344,873		$	1,430,628
Mortgage sales	$	587,928		$	651,180		$	716,425		$	1,476,198		$	1,349,044
Gross gain on sales of loans, mortgage banking	$	12,257		$	15,433		$	11,765		$	27,606		$	47,224
Weighted average gross gain on sales of loans, mortgage banking		2.08	%		2.37	%		1.64	%		1.87	%		3.50	%
Mortgage banking income (12)	$	12,744		$	12,538		$	14,616		$	34,095		$	43,229
(9) Compensation includes increases for Core Banking and corresponding decreases for Mortgage Banking segments that represent intersegment allocations for loans originated by the Mortgage Banking segment to be held for investment in the Core Banking loan portfolio of:	$	975		$	678		$	-		$	-		$	-

(10) Variable expenses represent incentive compensation and advertising expenses.

(11) Net of commissions, referral fees, SBA repair fees and discounts on unguaranteed portions held-for-investment, and inclusive of gains on servicing assets.

(12) Net of lender credits and other investor expenses, and inclusive of servicing income, loan fees, gains on mortgage servicing rights, fair value adjustments and gains (losses) on derivative instruments.

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):	Three Months Ended
Summarized Consolidated Average Balance Sheets	December 31,			September 30,			June 30,			March 31,			December 31,
(In thousands)	2021			2021			2021			2021			2020
Interest-earning assets
Average balances:
Interest-bearing deposits with banks	$	33,065		$	63,217		$	37,683		$	48,035		$	34,412
Loans, excluding PPP		1,221,879			1,194,277			1,155,958			1,217,398			1,205,278
PPP loans		51,178			84,288			145,227			164,533			179,316
Investment securities - taxable		47,717			46,005			46,392			42,424			42,462
Investment securities - nontaxable		153,452			148,723			148,280			146,145			146,374
FRB and FHLB stock		19,258			19,258			19,258			19,294			17,992
Total interest-earning assets	$	1,526,549		$	1,555,768		$	1,552,798		$	1,637,829		$	1,625,834
Interest income (tax equivalent basis):
Interest-bearing deposits with banks	$	14		$	23		$	14		$	18		$	18
Loans, excluding PPP		13,424			13,279			13,017			13,033			13,171
PPP loans		595			1,219			1,347			2,031			1,085
Investment securities - taxable		405			421			447			432			471
Investment securities - nontaxable		1,509			1,482			1,496			1,487			1,508
FRB and FHLB stock		149			146			161			167			108
Total interest income (tax equivalent basis)	$	16,096		$	16,570		$	16,482		$	17,168		$	16,361
Weighted average yield (tax equivalent basis, annualized):
Interest-bearing deposits with banks		0.17	%		0.15	%		0.15	%		0.15	%		0.21	%
Loans, excluding PPP		4.39	%		4.45	%		4.50	%		4.28	%		4.37	%
PPP loans		4.65	%		5.78	%		3.71	%		4.94	%		2.42	%
Investment securities - taxable		3.40	%		3.66	%		3.85	%		4.07	%		4.44	%
Investment securities - nontaxable		3.93	%		3.99	%		4.04	%		4.07	%		4.12	%
FRB and FHLB stock		3.09	%		3.03	%		3.34	%		3.46	%		2.40	%
Total interest-earning assets		4.22	%		4.26	%		4.25	%		4.19	%		4.03	%
Interest-bearing liabilities
Average balances:
Interest-bearing deposits	$	913,297		$	935,800		$	807,342		$	840,556		$	811,016
Federal Home Loan Bank borrowings		264,617			255,210			272,834			293,819			306,299
Federal Reserve PPPLF borrowings		-			11,937			114,453			158,354			173,701
Subordinated debt and other borrowings		19,870			19,853			19,836			19,786			19,803
Total interest-bearing liabilities	$	1,197,784		$	1,222,800		$	1,214,465		$	1,312,515		$	1,310,819
Interest expense:
Interest-bearing deposits	$	811		$	765		$	723		$	771		$	936
Federal Home Loan Bank borrowings		730			725			780			833			861
Federal Reserve PPPLF borrowings		-			12			98			137			153
Subordinated debt and other borrowings		318			319			320			319			337
Total interest expense	$	1,859		$	1,821		$	1,921		$	2,060		$	2,287
Weighted average cost (annualized):
Interest-bearing deposits		0.36	%		0.33	%		0.36	%		0.37	%		0.46	%
Federal Home Loan Bank borrowings		1.10	%		1.14	%		1.14	%		1.13	%		1.12	%
Federal Reserve PPPLF borrowings		0.00	%		0.40	%		0.34	%		0.35	%		0.35	%
Subordinated debt and other borrowings		6.40	%		6.43	%		6.45	%		6.45	%		6.81	%
Total interest-bearing liabilities		0.62	%		0.60	%		0.63	%		0.63	%		0.70	%
Interest rate spread (tax equivalent basis, annualized)		3.60	%		3.66	%		3.62	%		3.56	%		3.33	%
Net interest margin (tax equivalent basis, annualized)		3.73	%		3.79	%		3.75	%		3.69	%		3.46	%
Net interest margin, excluding PPP and PPPLF (non-GAAP), (tax equivalent basis, annualized)		3.70	%		3.68	%		3.78	%		3.59	%		3.63	%