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Consolidated Statements Of Operations (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST AND DIVIDEND INCOME    
Loans including fees $ 7,253 $ 8,748
Federal funds sold 1  
Interest-earning deposits with banks 50 47
Investments 197 201
Dividends on equity securities (restricted) 28 26
Total Interest and Dividend Income 7,529 9,022
INTEREST EXPENSE    
Demand 30 26
Savings 68 62
Time deposits below $100,000 582 875
Time deposits above $100,000 406 587
FHLB Advances 64 181
Other borrowings   44
Trust Preferred Securities 113 122
Total Interest Expense 1,263 1,897
NET INTEREST INCOME 6,266 7,125
PROVISION FOR LOAN LOSSES 550 1,950
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 5,716 5,175
NONINTEREST INCOME    
Service charges 533 557
Fees, commissions and other income 721 615
Insurance and investment fees 77 109
Net realized gains on sale of investment securities 99 72
Life insurance investment income 39 114
Total Noninterest Income 1,469 1,467
NONINTEREST EXPENSES    
Salaries and employee benefits 3,446 3,598
Occupancy and equipment expense 1,081 1,099
Advertising and public relations 73 90
Data processing and telecommunications 411 439
FDIC insurance premiums 376 431
Other real estate owned and repossessed vehicles, net 377 1,974
Other operating expenses 1,255 1,356
Total Noninterest Expenses 7,019 8,987
INCOME (LOSS) BEFORE INCOME TAXES 166 (2,345)
INCOME TAX EXPENSE 19 190
NET INCOME (LOSS) $ 147 $ (2,535)
Income (Loss) Per Share    
Basic $ 0.01 $ (0.25)
Fully Diluted $ 0.01 $ (0.25)
Average Weighted Shares of Common Stock    
Basic 21,868,458 10,010,178
Fully Diluted 21,868,458 10,010,178