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Consolidated Statements of Operations (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
INTEREST INCOME:        
Interest and fees on loans $ 7,350 $ 7,487 $ 21,632 $ 22,486
Interest on securities 998 1,031 3,223 3,120
Interest on tax-exempt securities 629 673 1,916 1,952
Interest on interest bearing deposits 125 130 393 402
Total interest income 9,102 9,321 27,164 27,960
INTEREST EXPENSE:        
Interest on demand deposits 123 113 362 364
Interest on savings deposits 59 61 173 194
Interest on certificates of deposit 650 639 1,985 1,990
Interest on securities sold under repurchase agreements       6
Interest on other borrowings 322 12 333 117
Total interest expense 1,154 825 2,853 2,671
Net interest income 7,948 8,496 24,311 25,289
Provision for loan losses 1,050 300 2,500 2,750
Net interest income after provision for loan losses 6,898 8,196 21,811 22,539
NONINTEREST INCOME:        
Service charges on deposit accounts 50 46 135 146
Payroll and benefit processing fees 127 113 371 355
BOLI income 171 133 459 401
Gain (loss) on investment securities, net 32 336 (252) 931
Merchant credit card service income, net 25 33 80 98
Other income 266 313 2,378 892
Total noninterest income 671 974 3,171 2,823
NONINTEREST EXPENSE:        
Salaries and related benefits 3,474 2,865 10,513 8,863
Occupancy and equipment expense 749 549 2,069 1,651
Write down of other real estate owned     290  
FDIC assessments 204 202 584 535
Data processing fees 217 127 629 397
Professional service fees 309 364 911 926
Deferred compensation expense 115 58 345 58
Other expenses 964 1,772 4,586 4,118
Total noninterest expense 6,032 5,937 19,927 16,548
Income before provision for income taxes 1,537 3,233 5,055 8,814
Provision for income taxes 264 1,431 1,011 2,966
Net income 1,273 1,802 4,044 5,848
Less: Preferred dividends on preferred stock 50 50 150 150
INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,223 $ 1,752 $ 3,894 $ 5,698
Basic earnings per share (in Dollars per share) $ 0.09 $ 0.12 $ 0.29 $ 0.37
Average basic shares (in Shares) 13,294 14,829 13,536 15,208
Diluted earnings per share (in Dollars per share) $ 0.09 $ 0.12 $ 0.29 $ 0.37
Average diluted shares (in Shares) 13,339 14,853 13,582 15,230