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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest income:      
Interest and fees on loans $ 26,519 $ 23,913 $ 26,098
Interest on deposits in other banks 164 108 187
Interest on Federal funds sold 0 2 2
Interest and dividends on investment securities:      
Taxable 2,375 3,289 4,548
Exempt from Federal income taxes 5,778 4,508 3,464
Total interest income 34,836 31,820 34,299
Interest expense:      
Interest on deposits 1,270 1,630 2,662
Interest on junior subordinated deferrable interest debentures 98 107 100
Other 17 146 180
Total interest expense 1,385 1,883 2,942
Net interest income before provision for credit losses 33,451 29,937 31,357
Provision for credit losses 0 700 1,050
Net interest income after provision for credit losses 33,451 29,237 30,307
Non-interest income:      
Service charges 3,156 2,774 2,903
Appreciation in cash surrender value of bank owned life insurance 495 391 382
Interchange fees 962 767 758
Loan placement fees 677 631 274
Gain on disposal of other real estate owned 0 12 615
Net realized gain (loss) on sale of assets 1 4 (5)
Net realized gains on sales and calls of investment securities 1,265 1,639 298
Other-than-temporary impairment loss:      
Total impairment loss 0 0 (31)
Loss recognized in other comprehensive income 0 0 0
Net impairment loss recognized in earnings 0 0 (31)
Federal Home Loan Bank dividends 177 36 9
Other income 1,100 992 1,063
Total non-interest income 7,832 7,242 6,271
Non-interest expenses:      
Salaries and employee benefits 17,427 15,597 15,762
Occupancy and equipment 4,109 3,578 3,795
Regulatory assessments 696 652 845
Data processing expense 1,383 1,125 1,178
ATM/Debit card expenses 527 369 369
License and maintenance contracts 472 362 324
Consulting fees 461 162 340
Advertising 476 558 735
Audit and accounting fees 511 514 491
Legal fees 116 185 335
Acquisition and integration 976 284 0
Amortization of core deposit intangibles 268 200 414
Other expense 4,264 3,688 3,652
Total non-interest expenses 31,686 27,274 28,240
Income before provision for income taxes 9,597 9,205 8,338
Provision for income taxes 1,347 1,685 1,861
Net income 8,250 7,520 6,477
Net income 8,250 7,520 6,477
Preferred stock dividends and accretion 350 350 486
Net income available to common shareholders $ 7,900 $ 7,170 $ 5,991
Net income per common share:      
Basic earnings per common share $ 0.77 $ 0.75 $ 0.63
Diluted earnings per common share $ 0.77 $ 0.75 $ 0.63
Cash dividends per common share $ 0.20 $ 0.05 $ 0