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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest Income    
Interest and fees on loans $ 5,400 $ 6,121
Interest and dividends on securities available for sale:    
Taxable interest income 195 266
Interest income exempt from federal income taxes 61 61
Dividends 21 22
Interest on deposits in other banks 44 37
Total interest income 5,721 6,507
Interest Expense    
Interest on deposits 584 815
Interest on Federal Home Loan Bank advances 245 247
Distribution on capital securities of subsidiary trusts 49 50
Total interest expense 878 1,112
Net interest income 4,843 5,395
Provision for loan losses 167 500
Net interest income after provision for loan losses 4,676 4,895
Other Income    
Trust and estate income 338 342
Brokerage income 133 82
Service charges on deposit accounts 584 692
Other service charges, commissions and income 385 366
Gain on sale of securities 0 1
Total other income 1,440 1,483
Other Expenses    
Salaries and benefits 2,395 2,703
Occupancy expense of premises 485 472
Furniture and equipment 267 276
Marketing expense 140 165
Legal, audit and consulting expense 305 257
Data processing expense 321 312
Federal Deposit Insurance Corporation expense 136 117
Loss on sale or impairment and expense of other real estate owned, net 1 5
Other operating expenses 791 804
Total other expenses 4,841 5,111
Income before income taxes 1,275 1,267
Income tax expense 313 313
Net Income $ 962 $ 954
Earnings per Share, basic (in dollars per share) $ 0.26 $ 0.26
Earnings per Share, assuming dilution (in dollars per share) $ 0.26 $ 0.26
Dividends per Share (in dollars per share) $ 0.12 $ 0.12