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Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Interest Income:    
Interest And Fees On Loans $ 9,742 $ 10,664
Interest On Due From Banks 111 35
Interest On Investment Securities:    
U.s. Government Sponsored Enterprises 511 538
State And Political Subdivisions 943 639
Others 22 46
Total Interest Income 11,329 11,922
Interest Expense:    
Interest-bearing Demand, Mmda & Savings Deposits 403 497
Time Deposits 146 212
Junior Subordinated Debentures 75 71
Other 39 35
Total Interest Expense 663 815
Net Interest Income 10,666 11,107
Provision For (reduction Of) Loan Losses 71 (455)
Net Interest Income After Provision For Loan Losses 10,595 11,562
Non-interest Income:    
Service Charges 1,168 926
Other Service Charges And Fees 193 212
Mortgage Banking Income 200 870
Insurance And Brokerage Commissions 240 260
Appraisal Management Fee Income 3,506 1,816
Miscellaneous 1,739 1,789
Total Non-interest Income 7,046 5,873
Non-interest Expense:    
Salaries And Employee Benefits 5,849 6,183
Occupancy 1,916 1,953
Professional Fees 373 337
Advertising 165 143
Debit Card Expense 276 232
Fdic Insurance 110 92
Appraisal Management Fee Expense 2,772 1,456
Other Expenses 1,880 1,872
Total Non-interest Expense 13,341 12,268
Earnings Before Income Taxes 4,300 5,167
Income Tax Expense 848 1,046
Net Earnings $ 3,452 $ 4,121
Basic Net Earnings Per Share $ 0.63 $ 0.73
Diluted Net Earnings Per Share 0.61 0.71
Cash Dividends Declared Per Share $ 0.33 $ 0.16