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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
INTEREST INCOME    
Interest and fees on loans $ 14,422 $ 14,106
Interest and fees on loans held for sale 5  
Interest on investment securities:    
Taxable 813 1,000
Nontaxable 142 141
Federal funds sold, other interest-bearing deposits, and certificates of deposit in other banks 326 602
Dividends on other investments 100 66
Total interest income 15,808 15,915
Interest on deposits:    
Savings, interest checking and money market 947 1,716
Time deposit accounts $250,000 and over 413 665
Time deposits 752 706
Total interest expense on deposits 2,112 3,087
Interest on federal funds purchased and securities sold under agreements to repurchase 37 33
Interest on Federal Home Loan Bank advances 632 542
Interest on subordinated notes 501 624
Total interest expense on borrowings 1,170 1,199
Total interest expense 3,282 4,286
Net interest income 12,526 11,629
Provision for loan losses 3,300 150
Net interest income after provision for loan losses 9,226 11,479
NON-INTEREST INCOME    
Gain on sale of mortgage loans, net 419 105
Other 45 52
Total non-interest income 2,248 2,091
Investment securities (losses) gains, net (1) 1
Gain on branch sale, net 0 2,074
NON-INTEREST EXPENSE    
Salaries and employee benefits 6,121 5,438
Occupancy expense, net 766 698
Furniture and equipment expense 695 809
Processing, network, and bank card expense 976 1,001
Legal, examination, and professional fees 367 329
Advertising and promotion 249 258
Postage, printing, and supplies 241 210
Other 1,033 1,145
Total non-interest expense 10,448 9,888
Income before income taxes 1,025 5,757
Income tax expense 157 1,091
Net income $ 868 $ 4,666
Basic earnings per share (in dollars per share) $ 0.14 $ 0.74
Diluted earnings per share (in dollars per share) $ 0.14 $ 0.74
Service charges and other fees    
NON-INTEREST INCOME    
Income from fees $ 799 $ 862
Bank card income and fees    
NON-INTEREST INCOME    
Income from fees 693 695
Trust department income    
NON-INTEREST INCOME    
Income from fees 379 293
Real estate servicing fees, net    
NON-INTEREST INCOME    
Income from fees $ (87) $ 84