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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Interest Income      
Interest and fees on loans $ 30,446 $ 31,058 $ 32,484
Interest on interest-bearing deposits 254 262 213
Interest on securities – taxable 6,776 6,798 6,585
Interest on securities – nontaxable 5,438 5,826 6,388
Total interest income 42,914 43,944 45,670
Interest Expense      
Interest on deposits 4,183 4,899 5,955
Total interest expense 4,183 4,899 5,955
Net interest income 38,731 39,045 39,715
Provision for loan losses 2,009 1,641 1,531
Net interest income after provision for loan losses 36,722 37,404 38,184
Noninterest Income      
Service charges on deposit accounts 2,250 2,434 2,563
Other service charges and fees 215 187 225
Credit card fees 3,861 3,631 3,330
Trust income 1,229 1,213 1,150
BOLI income 603 616 658
Other income 1,295 1,037 1,342
Realized securities gains (losses), net 33 2 (46)
Total noninterest income 9,486 9,120 9,222
Noninterest Expense      
Salaries and employee benefits 12,522 11,606 11,907
Occupancy, furniture and fixtures 1,728 1,703 1,616
Data processing and ATM 1,657 1,650 1,700
FDIC assessment 546 533 554
Credit card processing 2,692 2,593 2,546
Intangible assets amortization 999 1,075 1,078
Net costs of other real estate owned 608 369 296
Franchise taxes 1,288 1,182 1,083
Other operating expenses 3,595 3,721 3,519
Total noninterest expense 25,635 24,432 24,299
Income before income taxes 20,573 22,092 23,107
Income tax expense 4,740 5,178 5,317
Net income $ 15,833 $ 16,914 $ 17,790
Basic net income per common share (in Dollars per share) $ 2.28 $ 2.43 $ 2.56
Fully diluted net income per common share (in Dollars per share) $ 2.28 $ 2.43 $ 2.55