21. Quarterly Results of Operations (Unaudited)

The following table presents a summary of the quarterly results of operations for 2012 and 2011:

	2012								2011
	First		Second		Third		Fourth		First		Second		Third		Fourth
Interest income	$	22,965	$	22,797	$	22,636	$	22,549	$	24,860	$	25,645	$	24,386	$	23,481
Interest expense		4,594		4,431		4,189		3,988		6,301		6,082		5,739		5,031
Net interest income		18,371		18,366		18,447		18,561		18,559		19,563		18,647		18,450
Provision for credit losses		1,005		835		868		1,108		1,119		970		1,182		1,464
Non-interest income		5,228		5,754		5,038		7,392		5,118		5,006		5,825		7,104
Non-interest expense		12,919		13,979		13,370		18,763		13,285		13,272		13,307		15,715
Income before income taxes		9,675		9,306		9,247		6,082		9,273		10,327		9,983		8,375
Income tax expense		3,092		2,894		2,992		1,904		2,934		3,257		3,054		2,536
Net income	$	6,583	$	6,412	$	6,255	$	4,178	$	6,339	$	7,070	$	6,929	$	5,839
Per common share:
Basic	$	0.86	$	0.83	$	0.82	$	0.55	$	0.83	$	0.92	$	0.90	$	0.76
Diluted	$	0.86	$	0.83	$	0.82	$	0.55	$	0.83	$	0.92	$	0.90	$	0.76

- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

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