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Consolidated Statements of Income (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Interest and Dividend Income:      
Interest and fees on loans $ 32,105 $ 37,081 $ 38,103
Interest on due from banks 22 3 2
Interest on federal funds sold 21 75 54
Interest on securities:      
Taxable 3,884 3,419 2,566
Tax-exempt 157 268 538
Dividends and interest on all other securities 62 44 419
Total interest and dividend income 36,251 40,890 41,682
Interest Expense:      
Interest on savings deposits 408 413 361
Interest on time deposits 4,496 6,624 9,951
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings 106 545 566
Interest on Federal Home Loan Bank advances 1,705 2,400 3,445
Total interest expense 6,715 9,982 14,323
Net interest income 29,536 30,908 27,359
Provision for loan losses 3,700 8,800 6,875
Net interest income, after provision for loan losses 25,836 22,108 20,484
Noninterest Income:      
Income from fiduciary activities 3,002 3,074 2,987
Service charges on deposit accounts 4,256 4,760 5,473
Other service charges, commissions and fees 3,003 2,846 2,511
Income from bank owned life insurance 823 972 956
Gain on sale of available-for-sale securities, net 787 541 290
Other operating income 325 449 401
Total noninterest income 12,196 12,642 12,618
Noninterest Expense:      
Salaries and employee benefits 19,139 18,296 17,781
Occupancy and equipment 4,292 4,254 4,128
FDIC insurance 1,222 1,365 1,630
Data processing 1,386 1,248 1,089
Customer development 908 839 798
Advertising 448 654 619
Foreclosed assets expense 505 416 474
Other outside service fees 612 621 354
Employee professional development 579 491 500
Postage and courier expense 488 511 550
Legal and audit expense 696 874 479
Loss on write-down/sale of foreclosed assets 1,413 1,442 680
Other operating expenses 1,991 2,043 2,127
Total noninterest expense 33,679 33,054 31,209
Income before income taxes 4,353 1,696 1,893
Income tax expense 1,063 149 211
Net income $ 3,290 $ 1,547 $ 1,682
Basic Earnings per Share:      
Average shares outstanding (in shares) 4,952 4,928 4,908
Net income per share of common stock (in dollars per share) $ 0.66 $ 0.31 $ 0.34
Diluted Earnings per Share:      
Average shares outstanding (in shares) 4,952 4,932 4,935
Net income per share of common stock (in dollars per share) $ 0.66 $ 0.31 $ 0.34