Quarterly report pursuant to Section 13 or 15(d)

CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (Unaudited)

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CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
INTEREST INCOME        
Interest and Fees on Loans $ 19,264 $ 21,274 $ 59,127 $ 64,638
Investment Securities:        
Taxable 571 692 1,739 2,216
Tax Exempt 146 106 392 316
Funds Sold 269 254 818 723
Total Interest Income 20,250 22,326 62,076 67,893
INTEREST EXPENSE        
Deposits 335 480 1,117 1,679
Short-Term Borrowings 46 71 189 127
Subordinated Notes Payable 339 372 1,020 1,126
Other Long-Term Borrowings 330 372 1,010 1,204
Total Interest Expense 1,050 1,295 3,336 4,136
NET INTEREST INCOME 19,200 21,031 58,740 63,757
Provision for Loan Losses 555 2,864 3,075 13,400
Net Interest Income After Provision for Loan Losses 18,645 18,167 55,665 50,357
NONINTEREST INCOME        
Deposit Fees 6,474 6,406 18,856 19,028
Bank Card Fees 2,715 2,616 8,130 8,171
Wealth Management Fees 2,130 1,686 5,946 5,363
Mortgage Banking Fees 869 978 2,880 2,690
Data Processing Fees 662 687 1,985 2,042
Other 1,456 1,202 3,946 3,773
Total Noninterest Income 14,306 13,575 41,743 41,067
NONINTEREST EXPENSE        
Compensation 16,158 15,510 49,544 48,470
Occupancy, Net 4,403 4,590 12,982 13,626
Intangible Amortization 46 108 162 323
Other Real Estate 2,148 2,603 7,440 9,528
Other 7,678 7,390 22,087 23,144
Total Noninterest Expense 30,433 30,201 92,215 95,091
INCOME (LOSS) BEFORE INCOME TAXES 2,518 1,541 5,193 (3,667)
Income Tax Expense (Benefit) 927 420 1,920 (1,900)
NET INCOME (LOSS) $ 1,591 $ 1,121 $ 3,273 $ (1,767)
BASIC NET INCOME (LOSS) PER SHARE $ 0.09 $ 0.07 $ 0.19 $ (0.10)
DILUTED NET INCOME (LOSS) PER SHARE $ 0.09 $ 0.07 $ 0.19 $ (0.10)
Average Basic Shares Outstanding 17,336 17,215 17,319 17,196
Average Diluted Shares Outstanding 17,396 17,228 17,381 17,196