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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2017
Mar. 31, 2016
INTEREST INCOME    
Interest and fees on loans $ 11,050 $ 9,987
Interest on investment securities:    
Taxable 754 938
Nontaxable 157 143
Federal funds sold and other overnight interest-bearing deposits 48 32
Dividends on other securities 90 76
Total interest income 12,099 11,176
Interest on deposits:    
Savings, interest checking and money market 389 295
Time deposit accounts $100,000 and over 254 209
Other time deposits 217 240
Interest on federal funds purchased and securities sold under agreements to repurchase 22 23
Interest on subordinated notes 408 354
Interest on Federal Home Loan Bank advances 322 207
Total interest expense 1,612 1,328
Net interest income 10,487 9,848
Provision for loan losses 350 250
Net interest income after provision for loan losses 10,137 9,598
NON-INTEREST INCOME    
Service charges and other fees 836 834
Bank card income and fees 614 634
Trust department income 274 218
Real estate servicing fees, net 453 54
Gain on sale of mortgage loans, net 155 165
Gain on sale of investment securities 0 472
Other 75 71
Total non-interest income 2,407 2,448
NON-INTEREST EXPENSE    
Salaries and employee benefits 5,454 5,350
Occupancy expense, net 619 634
Furniture and equipment expense 598 411
Processing, network, and bank card expense 1,045 772
Legal, examination, and professional fees 280 333
FDIC insurance assessment 101 176
Advertising and promotion 239 209
Postage, printing, and supplies 232 237
Real estate foreclosure expense (gains), net 27 141
Other 756 820
Total non-interest expense 9,351 9,083
Income before income taxes 3,193 2,963
Income tax expense 1,093 965
Net income $ 2,100 $ 1,998
Basic earnings per share (in dollars per share) $ 0.37 $ 0.35
Diluted earnings per share (in dollars per share) $ 0.37 $ 0.35