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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest and dividend income      
Loans $ 48,091 $ 50,753 $ 56,810
Securities 7,797 9,025 6,612
Federal funds sold & interest-bearing deposits with banks 6 6 11
Total interest and dividend income 55,894 59,784 63,433
Interest expense      
Deposits 4,059 6,544 9,293
Federal Home Loan Bank & Federal Reserve borrowings 1,584 1,894 2,325
Junior subordinated debentures 151 136 510
Federal funds purchased 24 41 44
Total interest expense 5,818 8,615 12,172
Net interest income 50,076 51,169 51,261
Provision for loan losses 1,900 12,900 15,000
Net interest income after provision for loan losses 48,176 38,269 36,261
Noninterest income      
Service charges on deposit accounts 1,827 1,816 1,711
Other fee income, principally bankcard 1,595 1,576 1,505
Net gain on sale of investment securities   884 45
Mortgage banking income 72 191 270
Loan servicing fees 75 106 94
Bank-owned life insurance income 583 38  
Impairment losses on investment securities (OTTI)   (10) (226)
Other noninterest income 1,589 1,265 1,250
Total noninterest income 5,741 5,866 4,649
Noninterest expense      
Salaries and employee benefits 19,576 18,875 17,657
Premises and equipment 3,373 3,444 3,462
Other real estate expense 1,494 3,307 1,316
FDIC insurance assessment 1,085 1,692 2,143
Business development 1,682 1,521 1,273
Bankcard processing 580 618 594
Merger related expense 203    
Other noninterest expense 7,112 7,619 6,649
Total noninterest expense 35,105 37,076 33,094
Income before income tax provision 18,812 7,059 7,816
Income tax provision 6,159 1,718 2,724
Net income $ 12,653 $ 5,341 $ 5,092
Earnings per share      
Basic $ 0.70 $ 0.29 $ 0.28
Diluted $ 0.69 $ 0.29 $ 0.28