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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST AND DIVIDEND INCOME    
Interest and Fees on Loans $ 12,783 $ 13,958
Interest on Deposits at Banks 27 21
Interest and Dividends on Investment Securities:    
Fully Taxable 1,796 2,638
Exempt from Federal Taxes 1,390 1,321
Total Interest and Dividend Income 15,996 17,938
INTEREST EXPENSE    
NOW Accounts 778 1,059
Savings Deposits 268 357
Time Deposits of $100,000 or More 319 608
Other Time Deposits 554 1,146
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 3 6
Federal Home Loan Bank Advances 173 197
Junior Subordinated Obligations Issued to Unconsolidated Subsidary Trusts 144 159
Total Interest Expense 2,239 3,532
NET INTEREST INCOME 13,757 14,406
Provision for Loan Losses 100 280
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 13,657 14,126
NONINTEREST INCOME    
Income from Fiduciary Activities 1,574 1,622
Fees for Other Services to Customers 2,282 1,960
Insurance Commissions 2,028 1,889
Gain on Securities Transactions 527 502
Net Gains on Sale of Loans 607 357
Other Operating Income 156 229
Total Noninterest Income 7,174 6,559
NONINTEREST EXPENSE    
Salaries and Employee Benefits 7,621 7,903
Occupancy Expense, Net 2,276 2,024
FDIC Assessments 264 255
Other Operating Expense 3,250 2,964
Total Noninterest Expense 13,411 13,146
INCOME BEFORE PROVISION FOR INCOME TAXES 7,420 7,539
Provision for Income Taxes 2,239 2,251
Net Income $ 5,181 $ 5,288
Average Shares Outstanding:    
Basic, in shares 12,031 [1] 12,005 [1]
Diluted, in shares 12,049 [1] 12,030 [1]
Per Common Share:    
Basic Earnings, in dollars per share $ 0.43 [1] $ 0.44 [1]
Diluted Earnings, in dollars per share $ 0.43 [1] $ 0.44 [1]
[1] Share and Per Share Amounts have been restated for the September 2012 2% stock dividend.