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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest income      
Loans, including fees $ 42,186 $ 43,117 $ 44,363
Securities available for sale      
Taxable 5,972 6,963 7,771
Tax-exempt 155 208 237
Federal funds sold and other 157 147 164
Total interest income 48,470 50,435 52,535
Interest expense      
Deposits 4,088 5,553 7,127
Repurchase agreements and other 37 88 158
FHLB advances and other borrowings 650 795 1,042
Total interest expense 4,775 6,436 8,327
Net interest income 43,695 43,999 44,208
Provision for loan losses (375) 4,260 3,630
Net interest income after provision for loan losses 44,070 39,739 40,578
Non-interest income      
Service charges on deposit accounts 3,357 3,543 3,825
Electronic banking income 2,018 2,017 1,843
Secondary market mortgage income 256 311 314
Gain on disposition of securities 1,413 545 18
Gain on sale of loan 0 2,463 0
Other 688 650 911
Total non-interest income 7,732 9,529 6,911
Non-interest expenses      
Salaries and employee benefits 15,046 15,122 16,237
Occupancy and equipment expenses 4,338 4,553 4,900
Outside data processing 3,372 3,379 4,458
Professional fees 900 1,181 966
Taxes, other than payroll, property and income 686 667 663
Write-downs, expenses, losses on, sales of other real estate owned, net of gains 1,853 2,514 405
Loan collection expenses 413 1,182 1,172
FDIC insurance 835 809 1,223
Amortization of intangibles 600 672 792
Conversion expenses 25 25 1,720
Other expenses 3,101 3,168 3,985
Total non-interest expenses 31,169 33,272 36,521
Income before income taxes 20,633 15,996 10,968
Provision for income taxes 7,404 5,673 3,800
Net income 13,229 10,323 7,168
Discount on redemption of preferred stock 0 905 0
Preferred stock dividends and accretion (659) (1,073) (1,221)
Net income available to common stockholders $ 12,570 $ 10,155 $ 5,947
Earnings per share:      
Basic (in dollars per share) $ 1.57 $ 1.28 $ 0.75
Diluted (in dollars per share) $ 1.49 $ 1.24 $ 0.74