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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest and dividend income:        
Loans $ 6,466 $ 6,211 $ 18,671 $ 18,245
Due from banks interest bearing accounts 103 77 315 251
Investment securities        
Taxable 621 756 1,961 2,334
Non-taxable 99 103 298 310
Other earning assets 46 5 106 17
Total interest and dividend income 7,335 7,152 21,351 21,157
Interest expense:        
Deposits 306 375 952 1,305
Other borrowings 0 0 0 141
Total interest expense 306 375 952 1,446
Net interest income 7,029 6,777 20,399 19,711
Provision for loan losses 0 825 800 2,051
Net interest income after provision for loan losses 7,029 5,952 19,599 17,660
Other operating income:        
Service charges on deposit accounts 606 697 1,876 2,023
Gains on sales of other real estate owned 0 0 1 17
Gains on sales of loans held-for-sale 129 510 1,121 1,410
Investment and brokerage services income 295 258 958 761
Mortgage brokerage income 28 28 63 74
Loan servicing income 490 67 1,203 351
Fiduciary activities income 136 133 465 361
ATM fees 67 107 219 365
Signature based transaction fees 337 283 966 797
Gains on calls of available-for-sale securities 0 0 4 1
Other income 185 223 567 612
Total other operating income 2,273 2,306 7,443 6,772
Other operating expenses:        
Salaries and employee benefits 4,422 3,901 12,630 11,625
Occupancy and equipment 757 665 2,289 2,149
Data processing 414 400 1,258 1,220
Stationery and supplies 92 92 281 263
Advertising 76 69 263 273
Directors' fees 54 56 161 166
Other real estate owned (income) expense and impairment (10) 3 11 63
Other expense 1,120 1,284 3,637 3,729
Total other operating expenses 6,925 6,470 20,530 19,488
Income before income tax expense 2,377 1,788 6,512 4,944
Income tax expense 1,004 584 2,334 1,441
Net income 1,373 1,204 4,178 3,503
Preferred stock dividends (162) (286) (534) (857)
Net income available to common shareholders $ 1,211 $ 918 $ 3,644 $ 2,646
Basic income per share (in dollars per share) $ 0.13 $ 0.10 $ 0.39 $ 0.28
Diluted income per share (in dollars per share) $ 0.13 $ 0.10 $ 0.39 $ 0.28