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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME:    
Loans, including related fees $ 63,612 $ 50,052
Securities:    
Taxable 6,002 5,931
Tax-exempt 2,604 2,603
Other 814 817
TOTAL INTEREST INCOME 73,032 59,403
INTEREST EXPENSE:    
Deposits 18,199 17,731
Short-term borrowings 1,693 976
Other borrowings 1,165 1,776
TOTAL INTEREST EXPENSE 21,057 20,483
NET INTEREST INCOME 51,975 38,920
Provision for credit losses 1,950 1,800
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 50,025 37,120
NON-INTEREST INCOME:    
Trust and financial services 1,393 1,333
Service charges and fees on deposit accounts 7,585 6,708
Other service charges and fees 316 223
Interchange income 214 179
Loan servicing fees 165 269
Gain on sales of mortgage loans 225 176
Other 613 543
TOTAL NON-INTEREST INCOME 10,511 9,431
NON-INTEREST EXPENSE:    
Salaries and employee benefits 19,248 17,330
Occupancy expense 2,676 2,359
Equipment expense 4,505 4,144
FDIC Expense 750 662
Other 9,580 8,927
TOTAL NON-INTEREST EXPENSE 36,759 33,422
INCOME BEFORE INCOME TAXES 23,777 13,129
Provision for income taxes 5,371 2,205
NET INCOME 18,406 10,924
OTHER COMPREHENSIVE INCOME (LOSS)    
Change in unrealized gains (losses) on securities, net of reclassifications and taxes 11,100 (11,096)
Change in funded status of post retirement benefits, net of taxes 3 73
COMPREHENSIVE INCOME (LOSS) $ 29,509 $ (99)
PER SHARE DATA    
Basic Earnings per Share (in dollars per share) $ 1.55 $ 0.93
Diluted Earnings per Share (in dollars per share) $ 1.55 $ 0.93
Weighted average number of shares outstanding, basic (in shares) 11,842 11,803
Weighted average number of shares outstanding, diluted (in shares) 11,842 11,803