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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      
Loans, including fees $ 43,117 $ 44,363 $ 45,278
Securities available for sale      
Taxable 6,963 7,771 7,817
Tax-exempt 208 237 259
Federal funds sold and other 147 164 169
Total interest income 50,435 52,535 53,523
Interest expense      
Deposits 5,553 7,127 8,605
Repurchase agreements and other 88 158 170
FHLB advances and other borrowings 795 1,042 1,004
Total interest expense 6,436 8,327 9,779
Net interest income 43,999 44,208 43,744
Provision for loan losses 4,260 3,630 3,297
Net interest income after provision for loan losses 39,739 40,578 40,447
Non-interest income      
Service charges on deposit accounts 3,543 3,825 4,054
Electronic banking income 2,017 1,843 1,525
Secondary market mortgage income 311 314 445
Gain on disposition of securities 545 18 0
Gain on sale of loan 2,463 0 0
Other 650 911 737
Total non-interest income 9,529 6,911 6,761
Non-interest expenses      
Salaries and employee benefits 15,122 16,237 15,971
Occupancy and equipment expenses 4,553 4,900 4,907
Outside data processing 3,379 4,458 4,190
Professional fees 1,181 966 939
Taxes, other than payroll, property and income 667 663 873
Write-downs, expenses, sales of other real estate owned, net of gains 2,514 405 157
Loan collection expenses 1,182 1,172 499
FDIC insurance 809 1,223 1,894
Amortization of intangibles 672 792 618
Conversion expenses 25 1,720 143
Other expenses 3,168 3,985 4,028
Total non-interest expenses 33,272 36,521 34,219
Income before income taxes 15,996 10,968 12,989
Provision for income taxes 5,673 3,800 3,817
Net income 10,323 7,168 9,172
Discount on redemption of preferred stock 905 0 0
Preferred stock dividends and accretion (1,073) (1,221) (1,249)
Net income available to common stockholders $ 10,155 $ 5,947 $ 7,923
Earnings per share:      
Basic (in dollars per share) $ 1.28 $ 0.75 $ 1.00
Diluted (in dollars per share) $ 1.24 $ 0.74 $ 0.98