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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest Income      
Interest and Fees on Loans $ 65,798 $ 70,180 $ 72,643
Interest on Deposits with Banks 110 117 91
Interest on Investment Securities:      
Taxable 9,940 9,490 8,971
Exempt from Federal Tax 2,643 2,567 2,756
Total Interest Income 78,491 82,354 84,461
Interest Expense      
Deposits 3,739 5,463 7,168
Borrowed Funds 1,054 2,181 2,184
Subordinated Debentures 347 330 333
Total Interest Expense 5,140 7,974 9,685
Net Interest Income 73,351 74,380 74,776
Provision for Loan Losses 1,850 6,775 14,735
Net Interest Income After Provision for Loan Losses 71,501 67,605 60,041
Non-Interest Income      
Service Charges on Deposit Accounts 4,891 5,395 6,529
Net Gain on Investment Securities 158 95 2,895
Increase in Cash Surrender Value of Life Insurance 1,836 1,834 1,825
Debit Card and ATM Fees 2,938 2,760 2,591
Net Gain on Deferred Compensation Investments 1,687 199 1,376
Other 2,600 1,991 1,969
Total Non-Interest Income 14,110 12,274 17,185
Non-Interest Expense      
Salaries and Employee Benefits 31,635 29,670 28,332
Net Gain on Deferred Compensation Investments 1,687 199 1,376
Occupancy 2,565 2,579 2,422
Equipment 3,128 2,844 2,605
ORE Holding Costs 122 1,785 1,247
FDIC Insurance 968 1,461 2,286
Legal Fees 1,039 876 400
Termination Fee Related to Repurchase Agreement 1,657 0 0
Other 5,476 5,614 5,271
Total Non-Interest Expense 48,277 45,028 43,939
Income Before Income Taxes 37,334 34,851 33,287
Provision for Income Taxes 13,985 12,642 12,169
Net Income $ 23,349 $ 22,209 $ 21,118
Basic Earnings Per Common Share (in dollars per share) $ 29.99 $ 28.49 $ 27.05