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Condensed Consolidated Statements of Operations (unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Interest Income    
Interest and fees on loans $ 18,556 $ 17,239
Interest on securities    
Taxable 2,244 1,758
Tax-exempt 248 217
Other investments 306 338
Total Interest Income 21,354 19,552
Interest Expense    
Deposits 1,114 1,007
Other borrowings 477 454
Total Interest Expense 1,591 1,461
Net Interest Income 19,763 18,091
Provision for loan losses (530) (659)
Net Interest Income After Provision for Loan Losses 20,293 18,750
Non-interest Income    
Service charges on deposit accounts 2,845 2,850
Interchange income 1,878 2,142
Net gains on assets    
Mortgage loans 1,642 2,139
Securities 162 85
Mortgage loan servicing, net (978) (420)
Title insurance fees 288 256
Other 1,972 1,910
Total Non-interest Income 7,809 8,962
Non-Interest Expense    
Compensation and employee benefits 11,881 11,785
Occupancy, net 2,207 2,419
Data processing 2,101 1,930
Furniture, fixtures and equipment 984 952
Communications 888 736
Loan and collection 825 1,155
Advertising 477 484
Legal and professional 413 380
FDIC deposit insurance 334 343
Interchange expense 266 291
Credit card and bank service fees 187 202
Vehicle service contract counterparty contingencies 30 29
Costs related to unfunded lending commitments 13 16
Net gains on other real estate and repossessed assets (6) (39)
Provision for loss reimbursement on sold loans (15) (69)
Other 1,460 1,537
Total Non-interest Expense 22,045 22,151
Income Before Income Tax 6,057 5,561
Income tax expense 1,957 1,780
Net Income $ 4,100 $ 3,781
Net Income Per Common Share    
Basic (in dollars per share) [1] $ 0.19 $ 0.16
Diluted (in dollars per share) 0.19 0.16
Dividends Per Common Share    
Declared (in dollars per share) 0.08 0.06
Paid (in dollars per share) $ 0.08 $ 0.06
[1] Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.