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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 $ 46,596 $ 41,854 $ 41,267
Interest on investment securities:      
Taxable 3,025 3,238 3,554
Nontaxable 657 521 681
Federal funds sold, other interest-bearing deposits, and certificates of deposit 267 80 38
Dividends on other securities 390 317 216
Total interest income 50,935 46,010 45,756
Interest on deposits:      
Savings, interest checking and money market 2,329 1,159 970
Time deposits 2,224 1,907 1,957
Interest on federal funds purchased and securities sold under agreements to repurchase 113 64 56
Interest on Federal Home Loan Bank advances 1,590 1,038 723
Interest on subordinated notes 1,751 1,495 1,293
Total interest expense 8,007 5,663 4,999
Net interest income 42,928 40,347 40,757
Provision for loan losses 1,765 1,425 250
Net interest income after provision for loan losses 41,163 38,922 40,507
NON-INTEREST INCOME      
Service charges and other fees 3,437 3,400 3,477
Bank card income and fees 2,614 2,547 2,455
Trust department income 1,137 952 929
Real estate servicing fees, net 740 325 573
Gain on sale of mortgage loans, net 770 851 1,386
Gain on sale of investment securities 5 602 8
Other 252 240 338
Total non-interest income 8,955 8,917 9,166
NON-INTEREST EXPENSE      
Salaries and employee benefits 21,779 20,850 20,792
Occupancy expense, net 2,782 2,751 2,792
Furniture and equipment expense 2,683 1,783 1,844
Processing, network, and bank card expense 3,643 3,309 3,363
Legal, examination, and professional fees 1,308 1,301 1,321
FDIC insurance assessment 478 567 867
Advertising and promotion 1,255 1,083 1,111
Postage, printing, and supplies 991 1,054 1,120
Real estate foreclosure expense (gains), net 402 370 (223)
Other 3,481 3,739 3,507
Total non-interest expense 38,802 36,807 36,494
Income before income taxes 11,316 11,032 13,179
Income tax expense 7,902 3,750 4,580
Net income $ 3,414 $ 7,282 $ 8,599
Basic earnings per share (in dollars per share) $ 0.59 $ 1.24 $ 1.46
Diluted earnings per share (in dollars per share) $ 0.59 $ 1.24 $ 1.46