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Condensed Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Interest Income        
Loans, including fees $ 31,365 $ 22,388 $ 61,068 $ 42,843
Debt securities:        
U.S. Treasury and government agencies 1,030 1,035 2,098 2,058
Municipalities 401 322 809 622
Dividends 148 57 271 99
Federal funds sold 9 9 30 19
Other 424 100 903 169
Total interest income 33,377 23,911 65,179 45,810
Interest Expense        
Deposits 10,434 1,379 18,585 2,739
Federal funds purchased and securities sold under agreements to repurchase 427 166 832 318
Borrowed funds 2,113 218 3,393 553
Subordinated notes 285 284 569 553
Total interest expense 13,259 2,047 23,379 4,163
Net Interest Income - Before Provision for Credit Losses* 20,118 21,864 41,800 41,647
Provision for Credit Losses-Loans* 143 1,628 960 2,208
Provision for Credit Losses-Off Balance Sheet Credit Exposures* (129)   (67)  
Net Interest Income After Provision for Credit Losses* 20,104 20,236 40,907 39,439
Noninterest Income        
Net gain on sale of loans 108 164 175 861
Net loss on sale of available-for-sale securities     (891)  
Total noninterest income 4,272 3,320 8,449 7,663
Noninterest Expense        
Salaries and wages 6,500 5,366 13,157 10,868
Employee benefits 2,071 1,546 4,236 3,600
Net occupancy expense 840 522 1,696 1,120
Furniture and equipment 1,211 1,008 2,463 2,064
Data processing 796 654 1,522 1,258
Franchise taxes 379 757 745 1,175
ATM expense 683 544 1,306 1,076
Advertising 830 300 1,344 537
Net gain on sale of other assets owned   (266)   (271)
FDIC assessment 496 270 802 384
Servicing rights amortization - net 164 59 323 85
Consulting fees 231 233 461 411
Other general and administrative 2,643 2,242 5,720 4,421
Total noninterest expense 16,844 13,235 33,775 26,728
Income Before Income Taxes 7,532 10,321 15,581 20,374
Income Taxes 1,531 2,050 3,114 4,001
Net Income $ 6,001 $ 8,271 $ 12,467 $ 16,373
Basic Earnings Per Share $ 0.44 $ 0.63 $ 0.92 $ 1.25
Diluted Earnings Per Share 0.44 0.63 0.92 1.25
Dividends Declared $ 0.21 $ 0.2025 $ 0.4200 $ 0.3925
Customer Service Fees [Member]        
Noninterest Income        
Noninterest income $ 2,361 $ 2,148 $ 4,808 $ 4,796
Other Service Charges and Fees [Member]        
Noninterest Income        
Noninterest income $ 1,803 $ 1,008 $ 4,357 $ 2,006