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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 $ 35,354 $ 36,514 $ 36,919
Interest on interest-bearing deposits 240 155 128
Interest on securities - taxable 6,613 6,745 5,588
Interest on securities - nontaxable 6,463 6,532 6,504
Total interest income 48,670 49,946 49,139
Interest Expense      
Interest on time deposits of $100,000 or more 1,491 2,019 3,439
Interest on other deposits 6,396 7,165 7,719
Total interest expense 7,887 9,184 11,158
Net interest income 40,783 40,762 37,981
Provision for loan losses 3,134 2,949 3,409
Net interest income after provision for loan losses 37,649 37,813 34,572
Noninterest Income      
Service charges on deposit accounts 2,594 2,617 2,858
Other service charges and fees 243 287 317
Credit card fees 3,278 3,197 2,954
Trust income 1,313 1,087 1,118
BOLI income 814 762 760
Other income 472 449 354
Realized securities gains (losses), net 25 11 (14)
Total noninterest income 8,739 8,410 8,347
Noninterest Expense      
Salaries and employee benefits 12,005 11,357 10,963
Occupancy, furniture and fixtures 1,589 1,599 1,875
Data processing and ATM 1,593 1,701 1,499
FDIC assessment 475 677 1,080
Credit card processing 2,442 2,485 2,300
Intangible assets amortization 1,083 1,083 1,083
Net costs of other real estate owned 208 518 214
Franchise taxes 901 780 963
Other operating expenses 3,100 3,138 3,150
Total noninterest expense 23,396 23,338 23,127
Income before income taxes 22,992 22,885 19,792
Income tax expense 5,245 5,247 4,223
Net income $ 17,747 $ 17,638 $ 15,569
Basic net income per common share (in dollars per share) $ 2.56 $ 2.54 $ 2.25
Fully diluted net income per common share (in dollars per share) $ 2.55 $ 2.54 $ 2.24