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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
INTEREST INCOME        
Interest and fees on loans $ 10,634 $ 10,713 $ 30,929 $ 30,891
Interest on investment securities:        
Taxable 754 872 2,523 2,663
Nontaxable 119 169 381 524
Federal funds sold and other overnight interest-bearing deposits 19 3 69 24
Dividends on other securities 80 72 231 139
Total interest income 11,606 11,829 34,133 34,241
Interest on deposits:        
Savings, interest checking and money market 291 241 874 738
Time deposit accounts $100,000 and over 267 222 708 653
Other time deposits 231 269 707 831
Interest on federal funds purchased and securities sold under agreements to repurchase 13 12 51 28
Interest on subordinated notes 375 325 1,095 958
Interest on Federal Home Loan Bank advances 282 202 732 513
Total interest expense 1,459 1,271 4,167 3,721
Net interest income 10,147 10,558 29,966 30,520
Provision for loan losses 300 0 975 250
Net interest income after provision for loan losses 9,847 10,558 28,991 30,270
NON-INTEREST INCOME        
Service charges and other fees 882 903 2,544 2,597
Bank card income and fees 593 632 1,875 1,849
Trust department income 216 235 699 714
Real estate servicing fees, net (4) 177 (36) 357
Gain on sale of mortgage loans, net 266 322 653 1,103
Gain on sale of investment securities 111 0 602 8
Other 61 67 185 157
Total non-interest income 2,125 2,336 6,522 6,785
NON-INTEREST EXPENSE        
Salaries and employee benefits 5,063 5,320 15,718 15,798
Occupancy expense, net 730 685 2,037 2,064
Furniture and equipment expense 438 464 1,288 1,379
Processing, network, and bank card expense 878 806 2,490 2,402
Legal, examination, and professional fees 277 332 939 943
FDIC insurance assessment 196 175 560 673
Advertising and promotion 283 273 734 780
Postage, printing, and supplies 244 250 771 794
Real estate foreclosure expense (gains), net 49 (329) 232 (352)
Other 927 1,001 2,753 2,472
Total non-interest expense 9,085 8,977 27,522 26,953
Income before income taxes 2,887 3,917 7,991 10,102
Income tax expense 1,003 1,378 2,697 3,497
Net income $ 1,884 $ 2,539 $ 5,294 $ 6,605
Basic earnings per share (in dollars per share) $ 0.33 $ 0.45 $ 0.94 $ 1.17
Diluted earnings per share (in dollars per share) $ 0.33 $ 0.45 $ 0.94 $ 1.17