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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Interest and fees on loans:      
Taxable $ 37,923 $ 36,285 $ 35,063
Tax exempt 72 57 57
Interest bearing deposits 8 5 6
Short-term investments in money market funds 14 7 8
Investment securities:      
Available for sale 3,250 3,528 3,701
Held to maturity 614 559 508
Total Interest Income 41,881 40,441 39,343
INTEREST EXPENSE      
Deposits 4,752 4,889 5,164
Short-term borrowings 86 55 46
Advances from Federal Home Loan Bank 558 333 152
Guaranteed junior subordinated deferrable interest debentures 1,120 1,120 1,120
Subordinated debt 4 0 0
Total Interest Expense 6,520 6,397 6,482
Net Interest Income 35,361 34,044 32,861
Provision (credit) for loan losses 1,250 375 (1,100)
Net Interest Income after Provision (credit) for Loan Losses 34,111 33,669 33,961
NON-INTEREST INCOME      
Trust and investment advisory fees 8,344 7,765 7,812
Service charges on deposit accounts 1,750 1,957 2,173
Net gains on loans held for sale 767 748 1,089
Mortgage related fees 391 590 773
Net realized gains on investment securities 71 177 204
Bank owned life insurance 1,617 748 998
Other income 2,327 2,338 2,695
Total Non-Interest Income 15,267 14,323 15,744
NON-INTEREST EXPENSE      
Salaries and employee benefits 24,042 24,960 25,115
Net occupancy expense 2,941 2,964 2,937
Equipment expense 1,773 1,892 1,851
Professional fees 5,003 5,409 4,327
Supplies, postage, and freight 726 761 810
Miscellaneous taxes and insurance 1,157 1,174 1,467
Federal deposit insurance expense 669 636 611
Goodwill impairment charge 0 669 0
Other expense 4,727 4,906 5,105
Total Non-Interest Expense 41,038 43,371 42,223
PRETAX INCOME 8,340 4,621 7,482
Provision for income taxes 2,343 1,598 2,289
NET INCOME 5,997 3,023 5,193
Preferred stock dividends 210 210 209
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 5,787 $ 2,813 $ 4,984
Basic:      
Net income $ 0.31 $ 0.15 $ 0.26
Average number of shares outstanding 18,863 18,793 18,942
Diluted:      
Net income $ 0.31 $ 0.15 $ 0.26
Average number of shares outstanding 18,933 18,908 19,034
Cash dividends declared $ 0.04 $ 0.04 $ 0.03