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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Interest Income      
Interest and fees on loans $ 29,932 $ 29,365 $ 30,446
Interest on interest-bearing deposits 791 532 254
Interest and dividends on securities – taxable 5,711 5,910 6,776
Interest on securities – nontaxable 4,826 5,123 5,438
Total interest income 41,260 40,930 42,914
Interest Expense      
Interest on deposits 4,125 4,166 4,183
Total interest expense 4,125 4,166 4,183
Net interest income 37,135 36,764 38,731
Provision for loan losses 157 1,650 2,009
Net interest income after provision for loan losses 36,978 35,114 36,722
Noninterest Income      
Service charges on deposit accounts 2,776 2,458 2,250
Other service charges and fees 205 212 215
Credit card fees 3,948 3,798 3,861
Trust income 1,530 1,346 1,229
BOLI income 758 597 603
Other income 1,148 1,289 1,295
Realized securities gains, net 14 232 33
Total noninterest income 10,379 9,932 9,486
Noninterest Expense      
Salaries and employee benefits 13,746 12,792 12,522
Occupancy, furniture and fixtures 1,820 1,849 1,743
Data processing and ATM 2,275 2,186 1,657
FDIC assessment 364 476 546
Credit card processing 2,748 2,782 2,692
Intangible assets amortization 68 257 999
Net costs of other real estate owned 205 472 608
Franchise taxes 1,315 1,296 1,288
Other operating expenses 4,431 4,042 3,580
Total noninterest expense 26,972 26,152 25,635
Income before income taxes 20,385 18,894 20,573
Income tax expense 6,293 3,952 4,740
Net income $ 14,092 $ 14,942 $ 15,833
Basic net income per common share (in dollars per share) $ 2.03 $ 2.15 $ 2.28
Fully diluted net income per common share (in dollars per share) $ 2.03 $ 2.15 $ 2.28