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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, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Interest Income        
Interest and fees on loans $ 7,766 $ 8,196 $ 23,520 $ 24,707
Interest on interest-bearing deposits 64 45 193 161
Interest on securities – taxable 1,718 1,722 5,068 4,928
Interest on securities – nontaxable 1,436 1,581 4,410 4,847
Total interest income 10,984 11,544 33,191 34,643
Interest Expense        
Interest on time deposits of $100 or more 139 196 437 694
Interest on other deposits 1,008 1,192 3,320 3,921
Total interest expense 1,147 1,388 3,757 4,615
Net interest income 9,837 10,156 29,434 30,028
Provision for loan losses 356 303 1,160 1,329
Net interest income after provision for loan losses 9,481 9,853 28,274 28,699
Noninterest Income        
Service charges on deposit accounts 634 709 1,833 1,922
Other service charges and fees 42 37 145 139
Credit card fees 929 834 2,687 2,427
Trust income 296 267 921 867
BOLI income 174 182 526 546
Other income 163 183 669 687
Realized securities gains (losses), net 4 (62) 5 (44)
Total noninterest income 2,242 2,150 6,786 6,544
Noninterest Expense        
Salaries and employee benefits 2,948 3,031 8,954 8,963
Occupancy and furniture and fixtures 408 394 1,265 1,230
Data processing and ATM 426 477 1,183 1,288
FDIC assessment 147 136 411 408
Credit card processing 673 656 1,887 1,854
Intangible assets amortization 269 269 807 809
Net costs of other real estate owned 98 52 259 192
Franchise taxes 308 280 874 803
Other operating expenses 859 848 2,738 2,697
Total noninterest expense 6,136 6,143 18,378 18,244
Income before income taxes 5,587 5,860 16,682 16,999
Income tax expense 1,324 1,343 3,906 3,831
Net Income $ 4,263 $ 4,517 $ 12,776 $ 13,168
Basic net income per common share (in Dollars per share) $ 0.61 $ 0.65 $ 1.84 $ 1.90
Fully diluted net income per common share (in Dollars per share) $ 0.61 $ 0.65 $ 1.84 $ 1.89
Weighted average number of common shares outstanding – basic (in Shares) 6,948,681 6,947,974 6,948,212 6,947,974
Weighted average number of common shares outstanding – diluted (in Shares) 6,956,777 6,972,769 6,960,444 6,970,063
Dividends declared per common share (in Dollars per share)     $ 0.55 $ 0.54