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Consolidated Statements of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest Income:        
Interest and fees on loans and leases $ 4,700 $ 5,654 $ 14,399 $ 16,714
Interest and dividends on investment securities: Taxable 713 798 2,114 2,382
Interest and dividends on investment securities: Exempt from federal taxes 284 168 816 411
Interest on cash and cash equivalents 26 6 55 26
Total interest and dividend income 5,723 6,626 17,384 19,533
Interest Expense:        
Interest on NOW, money market and savings 184 226 566 681
Interest on time deposits 256 366 824 1,203
Interest on FHLB advances 150 213 504 635
Interest on repurchase agreements 11 15 36 56
Interest on junior subordinated debentures 75 81 227 244
Interest on other borrowings 19 20 57 60
Total interest expense 695 921 2,214 2,879
Net interest income 5,028 5,705 15,170 16,654
Provision for credit losses 1,600 375 2,155 1,275
Net interest income after provision for credit losses 3,428 5,330 13,015 15,379
Non-interest Income:        
Service charges 329 341 989 1,010
Wealth management 345 223 937 690
Increase in cash surrender value of BOLI 60 60 176 178
Gains on sale of investment securities, net 281 161 495 240
Gain on sale of loans     162 158
Other fees 308 306 922 895
Total non-interest income 1,323 1,091 3,681 3,171
Non-interest Expense:        
Salaries and employee benefits 2,405 2,268 7,020 6,755
Furniture and equipment 280 300 844 935
Occupancy 485 469 1,496 1,408
Professional and consulting 306 318 886 936
Advertising and marketing 143 117 470 432
Printing and supplies 27 30 115 131
FDIC insurance 112 119 375 352
PA shares tax 153 141 460 424
Telecommunications 56 42 171 147
Postage 18 26 59 64
Loss on sale or write down of OREO   212 28 229
Other expenses 469 409 1,190 1,230
Total non-interest expense 4,454 4,451 13,114 13,043
Income before income tax expense 297 1,970 3,582 5,507
Income tax (benefit) expense (36) 554 824 1,589
Net income 333 1,416 2,758 3,918
Preferred stock dividends and accretion of discount 38 37 111 295
Net income available to Common Shareholders $ 295 $ 1,379 $ 2,647 $ 3,623
Earnings per common share:        
Basic $ 0.11 $ 0.51 $ 0.97 $ 1.34
Diluted $ 0.10 $ 0.50 $ 0.95 $ 1.32
Cash dividends per common share $ 0.07 $ 0.05 $ 0.21 $ 0.15
Weighted average common shares outstanding:        
Basic 2,749,748 2,714,427 2,738,629 2,708,006
Diluted 2,788,489 2,744,819 2,774,754 2,735,471