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Consolidated Statements of Income & Comprehensive Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
Interest Income      
Loans, including fees $ 33,703 $ 29,293 $ 28,070
Debt securities:      
U.S. Treasury and government agencies 2,373 2,434 3,171
Municipalities 1,437 1,739 2,037
Dividends 149 148 156
Federal funds sold 22 8 7
Other 43 28 12
Total interest income 37,727 33,650 33,453
Interest Expense      
Deposits 3,617 3,269 3,458
Federal funds purchased and securities sold under agreements to repurchase 458 317 254
Borrowed funds 148 1 4
Total interest expense 4,223 3,587 3,716
Net Interest Income - Before provision for loan losses 33,504 30,063 29,737
Provision for Loan Losses 1,121 625 1,191
Net Interest Income After Provision For Loan Losses 32,383 29,438 28,546
Noninterest Income      
Customer service fees 6,118 5,847 5,224
Other service charges and fees 3,774 3,790 3,819
Net gain on sale of loans 888 700 647
Net gain on sale of available for sale securities 588 451 494
Total noninterest income 11,368 10,788 10,184
Noninterest Expense      
Salaries and Wages 11,620 10,907 10,186
Employee benefits 3,323 3,555 3,324
Net occupancy expense 1,459 1,352 1,107
Furniture and equipment 1,724 1,629 1,541
Data processing 1,409 1,300 1,250
Franchise taxes 878 746 781
Net loss on sale of other assets owned 81 47 157
FDIC Assessment 407 485 503
Mortgage servicing rights amortization 419 374 344
Other general and administrative 6,111 5,672 6,020
Total other operating expenses 27,431 26,067 25,213
Income Before Income Taxes 16,320 14,159 13,517
Income Taxes 4,656 3,819 3,871
Net Income 11,664 10,340 9,646
Other Comprehensive Income (Loss) (Net of Tax):      
Net unrealized gain (loss) on available for sale securities (2,721) 100 1,158
Reclassification adjustment for gain on sale of available for sale securities (588) (451) (494)
Net unrealized gain (loss) on available for sale securities (3,309) (351) 664
Tax expense (benefit) (1,125) (119) 226
Other comprehensive income (loss) (2,184) (232) 438
Comprehensive Income $ 9,480 $ 10,108 $ 10,084
Earnings Per Share - Basic and Diluted $ 2.53 $ 2.24 $ 2.08