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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Interest Income      
Interest and Fees on Loans $ 70,180 $ 72,643 $ 74,901
Interest on Deposits with Banks 117 91 96
Interest on Investment Securities:      
Taxable 9,490 8,971 13,396
Exempt from Federal Tax 2,567 2,756 2,921
Total Interest Income 82,354 84,461 91,314
Interest Expense      
Deposits 5,463 7,168 13,746
Borrowed Funds 2,181 2,184 2,188
Subordinated Debentures 330 333 397
Total Interest Expense 7,974 9,685 16,331
Net Interest Income 74,380 74,776 74,983
Provision for Loan Losses 6,775 14,735 15,420
Net Interest Income After Provision for Loan Losses 67,605 60,041 59,563
Non-Interest Income      
Service Charges on Deposit Accounts 5,395 6,529 6,956
Net Gain on Investment Securities 95 2,895 3,524
Increase in Cash Surrender Value of Life Insurance 1,834 1,825 1,794
Debit Card and ATM Fees 2,760 2,591 2,245
Net Gain on Deferred Compensation Investments 199 1,376 1,847
Other 1,991 1,969 1,828
Total Non-Interest Income 12,274 17,185 18,194
Non-Interest Expense      
Salaries and Employee Benefits 29,670 28,332 28,771
Net Gain on Deferred Compensation Investments 199 1,376 1,847
Occupancy 2,579 2,422 2,715
Equipment 2,844 2,605 2,417
ORE Holding Costs 1,785 1,247 1,464
FDIC Insurance 1,461 2,286 2,496
Other 6,490 5,671 6,719
Total Non-Interest Expense 45,028 43,939 46,429
Income Before Income Taxes 34,851 33,287 31,328
Provision for Income Taxes 12,642 12,169 11,315
Net Income $ 22,209 $ 21,118 $ 20,013
Earnings Per Share (in dollars per share) $ 28.49 $ 27.05 $ 25.57