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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 related fees $ 53,109 $ 55,468 $ 57,752
Securities      
Taxable 5,008 5,440 5,507
Tax exempt 1,458 1,282 1,167
Other 337 334 372
Interest and Dividend Income, Operating, Total 59,912 62,524 64,798
Interest expense      
Deposits 3,664 5,280 8,238
Borrowings 994 1,059 1,022
Total interest expense 4,658 6,339 9,260
Net interest income 55,254 56,185 55,538
Provision for loan losses 4,700 7,000 10,750
Net interest income after provision for loan losses 50,554 49,185 44,788
Non-interest income      
Service charges and fees 10,323 9,089 9,441
Mortgage banking income 1,658 2,786 1,789
Trust fee income 3,402 2,842 2,641
Bankcard transaction revenue 4,021 3,767 3,382
Company owned life insurance earnings 1,172 1,185 1,151
Net securities gains 274 206 231
Other 3,161 2,546 2,089
Total non-interest income 24,011 22,421 20,724
Non-interest expense      
Salaries and employee benefits 23,561 22,953 20,194
Occupancy and equipment 5,317 5,249 4,897
Data processing 2,171 2,191 1,983
Advertising 1,325 1,503 1,509
Electronic banking processing fees 1,607 1,525 1,332
Outside service fees 1,027 1,026 1,037
State bank taxes 2,389 2,219 2,051
Amortization of intangible assets 615 766 858
FDIC insurance 1,323 1,163 1,541
Other 7,410 7,743 6,712
Total non-interest expense 46,745 46,338 42,114
Income before income taxes 27,820 25,268 23,398
Federal income taxes 8,055 7,123 6,909
Net income 19,765 18,145 16,489
Preferred stock dividend and discount accretion 0 0 972
Net income available to common shareholders $ 19,765 $ 18,145 $ 15,517
Per share data      
Earnings per share $ 2.63 $ 2.43 $ 2.09
Earnings per share, assuming dilution $ 2.61 $ 2.41 $ 2.07