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Consolidated Statements of Earnings (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest income:    
Loans, including fees $ 5,328 $ 5,265
Securities 1,616 1,969
Federal funds sold and interest bearing bank deposits 31 14
Total interest income 6,975 7,248
Interest expense:    
Deposits 1,404 1,725
Short-term borrowings 4 4
Long-term debt interest expense 426 518
Total interest expense 1,834 2,247
Net interest income 5,141 5,001
Provision for loan losses 400 600
Net interest income after provision for loan losses 4,741 4,401
Noninterest income:    
Service charges on deposit accounts 249 291
Mortgage lending 810 669
Bank-owned life insurance gain 95 99
Gain on sale of affordable housing investments 0 3,268
Other noninterest income 340 358
Securities gains, net:    
Realized gains, net 161 309
Total other-than-temporary impairments 0 (130)
Total securities gains (losses), net 161 179
Total noninterest income 1,655 4,864
Noninterest expense:    
Salaries and benefits 2,250 2,143
Net occupancy and equipment 331 338
Professional fees 176 187
FDIC and other regulatory assessments 194 183
Other real estate owned, net 23 69
Prepayment penalty on long-term debt 425 3,708
Other noninterest expense 827 914
Total noninterest expense 4,226 7,542
Earnings before income taxes 2,170 1,723
Income tax expense 481 258
Net earnings $ 1,689 $ 1,465
Net earnings per share:    
Earnings per share basic and diluted $ 0.46 $ 0.40
Weighted average shares outstanding:    
Basic and diluted weighted average shares outstanding 3,642,918 3,642,738