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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest Income        
Interest and fees on loans $ 8,196 $ 8,923 $ 24,707 $ 26,554
Interest on interest-bearing deposits 45 60 161 187
Interest on securities – taxable 1,743 1,620 5,007 4,991
Interest on securities – nontaxable 1,581 1,634 4,847 4,801
Total interest income 11,565 12,237 34,722 36,533
Interest Expense        
Interest on time deposits of $100 or more 196 355 694 1,171
Interest on other deposits 1,192 1,581 3,921 4,900
Total interest expense 1,388 1,936 4,615 6,071
Net interest income 10,177 10,301 30,107 30,462
Provision for loan losses 303 778 1,329 2,554
Net interest income after provision for loan losses 9,874 9,523 28,778 27,908
Noninterest Income        
Service charges on deposit accounts 709 674 1,922 1,956
Other service charges and fees 37 40 139 130
Credit card fees 834 807 2,427 2,441
Trust income 267 271 867 1,037
BOLI income 182 205 546 605
Other income 162 130 502 341
Realized securities gains (losses), net (includes accumulated other comprehensive income reclassification adjustments for unrealized net losses in available-for-sale securities of ($88) and ($18) for three-month periods ended September 30, 2013 and 2012, and ($4) and $20 for nine-month periods ended September 30, 2013 and 2012, respectively ) (82) (19) 2 33
Total noninterest income 2,109 2,108 6,405 6,543
Noninterest Expense        
Salaries and employee benefits 3,031 3,104 8,963 9,014
Occupancy and furniture and fixtures 394 387 1,230 1,181
Data processing and ATM 477 390 1,288 1,206
FDIC assessment 136 133 408 343
Credit card processing 656 607 1,854 1,817
Intangible assets amortization 269 270 809 812
Net costs of other real estate owned 52 58 192 209
Franchise taxes 280 258 803 646
Other operating expenses 828 881 2,637 2,302
Total noninterest expense 6,123 6,088 18,184 17,530
Income before income taxes 5,860 5,543 16,999 16,921
Income tax expense (includes income tax expense (benefit) from reclassification items of ($31) and ($6) for three-month periods ended September 30, 2013 and 2012, and ($1) and $7 for nine-month periods ended September 30, 2013 and 2012, respectively) 1,343 1,250 3,831 3,859
Net Income $ 4,517 $ 4,293 $ 13,168 $ 13,062
Basic net income per common share (in Dollars per share) $ 0.65 $ 0.62 $ 1.90 $ 1.88
Fully diluted net income per common share (in Dollars per share) $ 0.65 $ 0.62 $ 1.89 $ 1.88
Weighted average number of common shares outstanding – basic (in Shares) 6,947,974 6,941,757 6,947,974 6,940,573
Weighted average number of common shares outstanding – diluted (in Shares) 6,972,769 6,962,852 6,970,063 6,958,316
Dividends declared per common share (in Dollars per share)     $ 0.54 $ 0.53