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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
INTEREST INCOME      
Interest and fees on loans $ 41,267 $ 40,274 $ 41,110
Interest on investment securities:      
Taxable 3,554 3,394 3,592
Nontaxable 681 722 844
Federal funds sold and other overnight interest-bearing deposits 38 28 37
Dividends on other securities 216 80 82
Total interest income 45,756 44,498 45,665
Interest on deposits:      
Savings, interest checking and money market 970 968 974
Time deposit accounts $100,000 and over 867 940 1,142
Other time deposits 1,090 1,384 2,498
Interest on federal funds purchased and securities sold under agreements to repurchase 56 21 24
Interest on subordinated notes 1,293 1,264 1,284
Interest on Federal Home Loan Bank advances 723 467 420
Total interest expense 4,999 5,044 6,342
Net interest income 40,757 39,454 39,323
Provision for loan losses 250 0 2,030
Net interest income after provision for loan losses 40,507 39,454 37,293
NON-INTEREST INCOME      
Service charges and other fees 3,477 3,743 4,165
Bank card income and fees 2,455 2,368 2,200
Trust department income 929 844 796
Real estate servicing fees, net 573 319 876
Gain on sale of mortgage loans, net 1,386 1,093 1,944
Gain on sale of investment securities 8 20 778
Other 338 362 107
Total non-interest income 9,166 8,749 10,866
NON-INTEREST EXPENSE      
Salaries and employee benefits 20,792 20,377 19,542
Occupancy expense, net 2,792 2,660 2,630
Furniture and equipment expense 1,844 1,823 2,007
Processing , network, and bank card expense 3,363 3,203 3,668
Legal, examination, and professional fees 1,321 1,159 982
FDIC insurance assessment 867 933 992
Advertising and promotion 1,111 1,274 1,301
Postage, printing, and supplies 1,120 1,117 1,210
Real estate foreclosure (gains) expense, net (223) 845 4,924
Other 3,507 3,116 3,507
Total non-interest expense 36,494 36,507 40,763
Income before income taxes 13,179 11,696 7,396
Income tax expense 4,580 4,042 2,422
Net income 8,599 7,654 4,974
Preferred stock dividends and accretion of discount 0 0 615
Net income available to common shareholders $ 8,599 $ 7,654 $ 4,359
Basic earnings per share $ 1.58 $ 1.41 $ 0.80
Diluted earnings per share $ 1.58 $ 1.41 $ 0.80