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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Interest and dividend income:    
Loans, including fees $ 37,010 $ 30,908
Investment securities 1,097 2,115
Federal funds sold and other 689 314
Total interest and dividend income 38,796 33,337
Interest expense:    
Deposits 6,511 3,778
Other borrowed funds 1,661 1,983
Total interest expense 8,172 5,761
Net interest income 30,624 27,576
Less: Provision for credit losses 180 788
Net interest income, after provision for credit losses 30,444 26,788
Non-interest income:    
Trust and investment management fees 19,165 19,455
Net gain on mortgage loans sold 4,560 3,469
Bank fees 1,759 2,176
Risk management and insurance fees 1,296 1,289
Income on company-owned life insurance 393 418
Net gain on sale of securities   81
Gain on legal settlement   825
Total non-interest income 27,173 27,713
Total income before non-interest expense 57,617 54,501
Non-interest expense:    
Salaries and employee benefits 29,771 28,663
Occupancy and equipment 5,853 5,884
Professional services 3,451 3,490
Technology and information systems 3,982 3,911
Data processing 2,683 2,436
Marketing 1,253 1,492
Amortization of other intangible assets 831 784
Total loss on sales/provision for other real estate owned   311
Other 2,371 2,523
Total non-interest expense 50,195 49,494
Income before income taxes 7,422 5,007
Income tax expense 1,775 2,984
Net income 5,647 2,023
Preferred stock dividends (1,378) (2,291)
Net income (loss) available to common shareholders $ 4,269 $ (268)
Earnings (loss) per common share:    
Basic $ 0.64 $ (0.05)
Diluted $ 0.63 $ (0.05)