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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
INTEREST INCOME    
Interest and fees on loans $ 8,961 $ 8,491
Interest and dividends on investment securities:    
Taxable 870 924
Tax-exempt 2 3
Interest on federal funds sold 3 1
Interest on deposits with other banks 72 26
Total interest income 9,908 9,445
INTEREST EXPENSE    
Interest on deposits 661 901
Interest on short-term borrowings 4 5
Total interest expense 665 906
NET INTEREST INCOME 9,243 8,539
Provision for credit losses 450 650
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 8,793 7,889
NONINTEREST INCOME    
Service charges on deposit accounts 813 634
Trust and investment fee income 351 469
Insurance agency commissions 2,759 2,475
Other noninterest income 618 507
Total noninterest income 4,541 4,085
NONINTEREST EXPENSE    
Salaries and wages 4,477 4,313
Employee benefits 1,114 1,156
Occupancy expense 613 626
Furniture and equipment expense 235 255
Data processing 809 783
Directors’ fees 104 123
Amortization of other intangible assets 33 33
FDIC insurance premium expense 282 384
Write-downs of other real estate owned 7 27
Legal and professional fees 385 725
Other noninterest expenses 1,280 1,279
Total noninterest expense 9,339 9,704
INCOME BEFORE INCOME TAXES 3,995 2,270
Income tax expense 1,535 861
NET INCOME $ 2,460 $ 1,409
Basic net income per common share (in dollars per share) $ 0.19 $ 0.11
Diluted net income per common share (in dollars per share) 0.19 0.11
Dividends paid per common share (in dollars per share) $ 0.03 $ 0