XML 19 R4.htm IDEA: XBRL DOCUMENT v3.7.0.1
Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Interest Income      
Interest and fees on loans $ 29,365 $ 30,446 $ 31,058
Interest on interest-bearing deposits 532 254 262
Interest and dividends on securities – taxable 5,910 6,776 6,798
Interest on securities – nontaxable 5,123 5,438 5,826
Total interest income 40,930 42,914 43,944
Interest Expense      
Interest on deposits 4,166 4,183 4,899
Total interest expense 4,166 4,183 4,899
Net interest income 36,764 38,731 39,045
Provision for loan losses 1,650 2,009 1,641
Net interest income after provision for loan losses 35,114 36,722 37,404
Noninterest Income      
Service charges on deposit accounts 2,458 2,250 2,434
Other service charges and fees 212 215 187
Credit card fees 3,798 3,861 3,631
Trust income 1,346 1,229 1,213
BOLI income 597 603 616
Other income 1,289 1,295 1,037
Realized securities gains, net 232 33 2
Total noninterest income 9,932 9,486 9,120
Noninterest Expense      
Salaries and employee benefits 12,792 12,522 11,606
Occupancy, furniture and fixtures 1,849 1,743 1,703
Data processing and ATM 2,186 1,657 1,650
FDIC assessment 476 546 533
Credit card processing 2,782 2,692 2,593
Intangible assets amortization 257 999 1,075
Net costs of other real estate owned 472 608 369
Franchise taxes 1,296 1,288 1,182
Other operating expenses 4,042 3,580 3,721
Total noninterest expense 26,152 25,635 24,432
Income before income taxes 18,894 20,573 22,092
Income tax expense 3,952 4,740 5,178
Net income $ 14,942 $ 15,833 $ 16,914
Basic net income per common share (in dollars per share) $ 2.15 $ 2.28 $ 2.43
Fully diluted net income per common share (in dollars per share) $ 2.15 $ 2.28 $ 2.43