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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
INTEREST INCOME      
Interest and fees on loans $ 13,989 $ 15,176 $ 17,418
Interest and dividends on securities:      
Taxable 2,708 2,877 2,101
Tax-exempt 1,827 1,635 1,414
Other 101 97 134
Total interest income 18,625 19,785 21,067
INTEREST EXPENSE      
Interest on time deposits of $100,000 or more 657 1,118 1,323
Interest on other deposits 1,395 2,064 2,793
Interest on borrowed funds 1,021 1,094 1,257
Total interest expense 3,073 4,276 5,373
Net interest income 15,552 15,509 15,694
Provision for loan losses 2,848 2,325 3,911
Net interest income after provision for loan lossed 12,704 13,184 11,783
OTHER INCOME      
Service charges on deposit accounts 4,133 4,354 4,826
Other service charges and fees 682 635 649
Trust Department income 866 837 814
Securities gains 348 11 20
Gains (losses) on sale of other assets, net 98 81 (97)
Income from other real estate 366 103 141
Other 384 334 271
Total other income 6,877 6,355 6,624
OTHER EXPENSE      
Salaries and employee benefits 10,322 9,559 10,456
Net occupancy expense 1,185 1,246 1,242
Furniture and equipment expense 1,129 1,159 1,205
Printing, stationery and supplies 213 242 248
Data processing 275 276 283
FDIC expense 726 988 1,021
Professional fees 627 654 939
Expenses from other real estate 907 743 539
Other 1,989 3,626 2,204
Total other expense 17,373 18,493 18,137
Income before income taxes 2,208 1,046 270
Income tax benefit (8) (256) (528)
Net income 2,216 1,302 798
Preferred dividends and accretion 540 1,014 585
Net income applicable to common shareholders $ 1,676 $ 288 $ 213
Basic net income per common share (in dollars per share) $ 0.58 $ 0.10 $ 0.07