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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
INTEREST INCOME      
Interest and fees on loans $ 116,865 $ 84,281 $ 74,157
Interest on securities      
Taxable 10,874 10,928 9,921
Tax-exempt 1,743 2,000 1,250
Other investments 1,291 1,100 1,195
Total Interest Income 130,773 98,309 86,523
INTEREST EXPENSE      
Deposits 14,478 6,775 4,941
Other borrowings and subordinated debentures 3,013 2,348 1,941
Total Interest Expense 17,491 9,123 6,882
Net Interest Income 113,282 89,186 79,641
Provision for loan losses 1,503 1,199 (1,309)
Net Interest Income After Provision for Loan Losses 111,779 87,987 80,950
NON-INTEREST INCOME      
Service charges on deposit accounts 12,258 12,673 12,406
Interchange income 9,905 8,023 7,938
Net gains on assets      
Mortgage loans 10,597 11,762 10,566
Securities 138 260 563
Mortgage loan servicing, net 3,157 1,647 2,222
Other 8,760 8,168 8,603
Total Non-Interest Income 44,815 42,533 42,298
NON-INTEREST EXPENSE      
Compensation and employee benefits 62,078 55,089 49,579
Occupancy, net 8,912 8,102 8,023
Data processing 8,262 7,657 7,952
Furniture, fixtures and equipment 4,080 3,870 3,912
Merger related expenses 3,465 284 0
Communications 2,848 2,684 3,142
Interchange expense 2,702 1,156 1,111
Loan and collection 2,682 2,230 2,512
Advertising 2,155 1,905 1,856
Legal and professional 1,839 1,892 1,742
FDIC deposit insurance 1,081 894 1,049
Credit card and bank service fees 414 529 791
Net (gains) losses on other real estate and repossessed assets (672) (606) 250
Litigation settlement expense 0 0 2,300
Loss on sale of payment plan business 0 0 320
Other 7,615 6,396 5,808
Total Non-interest Expense 107,461 92,082 90,347
Income Before Income Tax 49,133 38,438 32,901
Income tax expense 9,294 17,963 10,135
Net Income $ 39,839 $ 20,475 $ 22,766
Net income per common share      
Basic (in dollars per share) [1] $ 1.70 $ 0.96 $ 1.06
Diluted (in dollars per share) $ 1.68 $ 0.95 $ 1.05
[1] Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.