Financial Information

6 Months Ended

Jun. 30, 2011

Condensed Financial Information of Parent Company Only Disclosure [Text Block]

	At or for the Quarter Ended
	6/30/2011			3/31/2011			12/31/2010			9/30/2010			6/30/2010
	(dollars in thousands except per share data)
Consolidated Balance Sheet Data:
Total assets	$	784,538		$	791,154		$	797,246		$	811,912		$	812,771
Loans receivable (net):
Mortgage	$	56,564		$	53,925		$	55,450		$	53,995		$	49,470
Commercial		428,141			445,930			463,155			496,489			502,425
Consumer		76,459			79,517			79,469			83,801			83,550
Leases		7,825			7,829			8,000			8,095			9,413
Total loans (net)	$	568,989		$	587,201		$	606,074		$	642,380		$	644,858
Deposits:
Savings	$	26,999		$	26,251		$	24,499		$	24,946		$	25,155
Checking		240,048			237,605			234,501			237,677			224,950
Certificates		416,855			429,772			430,465			433,432			444,435
Total deposits	$	683,902		$	693,628		$	689,465		$	696,055		$	694,540
Stockholders' equity		80,894			79,648			79,513			87,293			87,110
Operating Data:
Interest income	$	10,188		$	9,891		$	9,928		$	10,963		$	10,829
Interest expense		2,010			2,086			2,166			2,222			2,258
Net interest income		8,178			7,805			7,762			8,741			8,571
Provision for credit losses		3,080			2,450			13,700			3,962			2,070
Noninterest income		2,498			1,982			1,919			3,400			2,830
Noninterest expense		6,988			6,786			6,738			6,745			6,741
Income tax expense (benefit)		226			225			(4,260	)		424			1,032
Net income (loss)	$	382		$	326		$	(6,497	)	$	1,010		$	1,558
Per Share Data:
Basic earnings (loss) per share	$	0.04		$	0.03		$	(0.67	)	$	0.10		$	0.16
Diluted earnings (loss) per share	$	0.04		$	0.03		$	(0.67	)	$	0.10		$	0.16
Book value per share	$	8.30		$	8.17		$	8.15		$	8.96		$	8.94
Average basic shares		9,751,271			9,751,271			9,748,948			9,743,971			9,743,971
Average diluted shares		9,751,271			9,751,271			9,748,948			9,743,971			9,744,679
Selected Performance ratios:
Yield on average earning assets		5.78	%		5.59	%		5.51	%		5.92	%		5.86	%
Cost of funds		1.14	%		1.18	%		1.24	%		1.24	%		1.26	%
Net interest spread		4.64	%		4.41	%		4.30	%		4.68	%		4.60	%
Net interest margin/average earning assets		4.64	%		4.41	%		4.31	%		4.72	%		4.64	%
Earning assets to total assets		88.61	%		89.85	%		89.94	%		90.96	%		91.13	%
Return on average assets (annualized)		0.19	%		0.16	%		-3.21	%		0.50	%		0.77	%
Return on average equity (annualized)		1.90	%		1.63	%		-30.31	%		4.60	%		7.17	%
Efficiency ratio		65.38	%		69.25	%		69.52	%		55.50	%		59.05	%
Equity/Assets		10.31	%		10.07	%		9.97	%		10.75	%		10.72	%
Tangible Equity/Assets		9.76	%		9.52	%		9.43	%		10.22	%		10.18	%
Asset Quality Data and Ratios:
Loans on nonaccrual status:
Nonaccrual loans	$	19,510		$	16,723		$	14,293		$	14,073		$	12,308
Nonaccrual restructured loans
Past Due TDRs		11,228			15,024			12,407			1,624			639
Current TDRs		10,421			8,780			14,566			3,532			5,008
Total TDRs		21,649			23,804			26,973			5,156			5,647
Total loans on nonaccrual status		41,159			40,527			41,266			19,229			17,955
Other real estate owned		11,387			12,069			11,616			8,599			8,452
Total nonperforming assets	$	52,546		$	52,596		$	52,882		$	27,828		$	26,407
Nonaccrual loans to loans		7.23	%		6.90	%		6.81	%		2.99	%		2.78	%
Nonperforming assets to assets		6.70	%		6.65	%		6.63	%		3.43	%		3.25	%
Allowance for credit losses	$	18,918		$	19,551		$	19,067		$	8,774		$	8,122
Allowance for credit losses to loans		3.21	%		3.22	%		3.04	%		1.35	%		1.24	%
Allowance for credit losses to nonaccrual loans		45.96	%		48.24	%		46.21	%		45.63	%		45.24	%
Net charge-offs	$	3,713		$	1,966		$	3,407		$	3,310		$	7,347
Net charge-offs to loans		0.65	%		0.32	%		0.54	%		0.51	%		1.12	%
Regulatory Capital Ratios:
Total Risk-Based Capital Ratio		14.15	%		13.68	%		13.41	%		13.80	%		13.62	%
Tier 1 Risk-Based Capital Ratio		12.87	%		12.41	%		12.14	%		12.55	%		12.37	%
Tier 1 Leverage Ratio		9.46	%		9.36	%		9.07	%		9.91	%		9.99	%