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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
INTEREST INCOME    
Interest and fees on loans $ 9,987 $ 10,074
Interest on investment securities:    
Taxable 938 902
Nontaxable 143 183
Federal funds sold and other overnight interest-bearing deposits 32 13
Dividends on other securities 76 26
Total interest income 11,176 11,198
Interest on deposits:    
Savings, interest checking and money market 295 250
Time deposit accounts $100,000 and over 209 209
Other time deposits 240 293
Interest on federal funds purchased and securities sold under agreements to repurchase 23 8
Interest on subordinated notes 354 313
Interest on Federal Home Loan Bank advances 207 147
Total interest expense 1,328 1,220
Net interest income 9,848 9,978
Provision for loan losses 250 0
Net interest income after provision for loan losses 9,598 9,978
NON-INTEREST INCOME    
Service charges and other fees 834 831
Bank card income and fees 634 587
Trust department income 218 204
Real estate servicing fees, net 54 (5)
Gain on sale of mortgage loans, net 165 346
Gain on sale of investment securities 472 0
Other 71 24
Total non-interest income 2,448 1,987
NON-INTEREST EXPENSE    
Salaries and employee benefits 5,350 5,304
Occupancy expense, net 634 663
Furniture and equipment expense 411 431
Processing, network, and ban card expense 772 789
Legal, examination, and professional fees 333 272
FDIC insurance assessment 176 240
Advertising and promotion 209 237
Postage, printing, and supplies 237 271
Real estate foreclosure expense (gains), net 141 (181)
Other 820 682
Total non-interest expense 9,083 8,708
Income before income taxes 2,963 3,257
Income tax expense 965 1,119
Net income $ 1,998 $ 2,138
Basic earnings per share (in dollars per share) $ 0.37 $ 0.39
Diluted earnings per share (in dollars per share) $ 0.37 $ 0.39