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Consolidated Statements of Operations - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Interest and dividend income      
Loans, including fees $ 44,784 $ 40,032 $ 38,776
Taxable securities 3,232 3,443 3,763
Tax-exempt securities 2,583 2,356 2,211
Federal funds sold and other 102 139 131
Total interest and dividend income 50,701 45,970 44,881
Interest expense      
Deposits 2,087 2,292 2,788
Federal Home Loan Bank advances 442 1,015 1,358
Subordinated debentures 760 777 740
Securities sold under agreements to repurchase 20 20 21
Total interest expense 3,309 4,104 4,907
Net interest income 47,392 41,866 39,974
Provision for loan losses 1,200 1,500 1,100
Net interest income after provision for loan losses 46,192 40,366 38,874
Noninterest income      
Service charges 4,708 4,257 4,457
Net gain (loss) on sale of securities (18) 113 204
Net gain on sale of loans 1,106 659 753
ATM fees 1,986 1,850 1,740
Trust fees 2,823 3,130 2,627
Bank owned life insurance 467 492 555
Tax refund processing fees 2,000 2,324 430
Computer center item processing fees 267 260 248
Net gain on sale of other real estate owned 199 44 120
Other 740 745 928
Total noninterest income 14,278 13,874 12,062
Noninterest expense      
Salaries, wages and benefits 23,630 22,293 24,758
Net occupancy expense 2,416 2,256 2,209
Equipment expense 1,503 1,421 1,273
Contracted data processing 1,821 1,560 1,327
FDIC Assessment 864 905 1,008
State franchise tax 847 888 1,130
Professional services 2,461 1,855 1,677
Amortization of intangible assets 711 769 846
ATM expense 674 806 650
Marketing expense 1,039 1,604 1,055
Repossession expense 508 673 964
Other operating expenses 6,470 6,520 6,487
Total noninterest expense 42,944 41,550 43,384
Income before income taxes 17,526 12,690 7,552
Income taxes 4,781 3,162 1,373
Net income 12,745 9,528 6,179
Preferred stock dividends 1,577 1,873 1,159
Net income available to common shareholders $ 11,168 $ 7,655 $ 5,020
Earnings per common share, basic $ 1.43 $ 0.99 $ 0.65
Earnings per common share, diluted $ 1.17 $ 0.85 $ 0.64