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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
INTEREST INCOME    
Interest and Fees on Loans $ 15,785 $ 16,241
Interest on Federal Funds Sold and Other Short-term Investments 33 65
Interest and Dividends on Securities:    
Taxable 3,326 2,844
Non-taxable 583 369
TOTAL INTEREST INCOME 19,727 19,519
INTEREST EXPENSE    
Interest on Deposits 2,046 3,393
Interest on FHLB Advances and Other Borrowings 1,069 1,019
TOTAL INTEREST EXPENSE 3,115 4,412
NET INTEREST INCOME 16,612 15,107
Provision for Loan Losses 690 1,300
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 15,922 13,807
NON-INTEREST INCOME    
Trust and Investment Product Fees 696 464
Service Charges on Deposit Accounts 935 941
Insurance Revenues 1,391 2,049
Company Owned Life Insurance 244 353
Interchange Fee Income 431 353
Other Operating Income 373 400
Net Gains on Sales of Loans 713 409
Net Gain on Securities 18 1,045
TOTAL NON-INTEREST INCOME 4,801 6,014
NON-INTEREST EXPENSE    
Salaries and Employee Benefits 7,320 7,401
Occupancy Expense 1,092 1,050
Furniture and Equipment Expense 680 805
FDIC Premiums 297 514
Data Processing Fees 114 1,105
Professional Fees 605 605
Advertising and Promotion 373 303
Intangible Amortization 442 517
Other Operating Expenses 1,670 1,570
TOTAL NON-INTEREST EXPENSE 12,593 13,870
Income before Income Taxes 8,130 5,951
Income Tax Expense 2,528 1,306
NET INCOME 5,602 4,645
Other Comprehensive Income:    
Changes in Unrealized Gain on Securities Available-for-Sale, Net 475 188
Total Other Comprehensive Income 475 188
COMPREHENSIVE INCOME $ 6,077 $ 4,833
Basic Earnings Per Share and Diluted Earnings Per Share $ 0.44 $ 0.37
Dividends Per Share $ 0.14 $ 0.14