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Consolidated Statements of Income (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:      
Interest and fees on loans $ 24,400 $ 25,402 $ 27,110
Due from banks interest bearing accounts 359 339 380
Investment securities:      
Taxable 3,042 2,610 1,744
Non-taxable 413 430 684
Other earning assets 45 9 9
Total interest and dividend income 28,259 28,790 29,927
Interest expense:      
Time deposits $100,000 and over 465 687 1,183
Other deposits 1,196 1,462 2,024
Other borrowings 141 327 399
Total interest expense 1,802 2,476 3,606
Net interest income 26,457 26,314 26,321
Provision for loan losses 3,276 5,138 4,914
Net interest income after provision for loan losses 23,181 21,176 21,407
Other operating income:      
Service charges on deposit accounts 2,698 2,815 3,327
Net gain on sales of available-for-sale securities 8 930 663
Net gain on sales of loans held-for-sale 2,337 855 1,113
Net gain on sale of other real estate owned 17 241 52
Other income 4,382 4,541 3,999
Total other operating income 9,442 9,382 9,154
Other operating expenses:      
Salaries and employee benefits 15,606 14,923 14,847
Occupancy and equipment 2,839 3,031 3,281
Data processing 1,644 1,684 1,691
Stationery and supplies 355 319 296
Advertising 373 576 543
Directors fees 222 241 213
Other real estate owned expense and impairment 155 775 811
Other expense 5,060 5,213 6,207
Total other operating expenses 26,254 26,762 27,889
Income before provision for income tax 6,369 3,796 2,672
Provision for income tax 1,723 1,132 7
Net income 4,646 2,664 2,665
Preferred stock dividends and accretion (1,139) (1,399) (992)
Net income available to common shareholders $ 3,507 $ 1,265 $ 1,673
Basic income per share (in dollars per share) $ 0.37 $ 0.14 $ 0.18
Diluted income per share (in dollars per share) $ 0.37 $ 0.14 $ 0.18