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Consolidated Statements of Income (unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Interest income:        
Interest and fees on loans $ 4,339 $ 4,510 $ 8,778 $ 9,152
Interest and dividends on securities:        
U.S. Treasuries 108 114 291 169
U.S. Government agencies 748 1,199 1,479 2,240
Mortgage-backed securities 139 71 230 151
States and political subdivisions 382 376 756 740
Other investments 3 1 6 5
Interest on federal funds sold 31 2 64 9
Total interest income 5,750 6,273 11,604 12,466
Interest expense:        
Deposits 315 409 635 844
Borrowings from Federal Home Loan Bank 40 69 81 119
Federal funds purchased and securities sold under agreements to repurchase 43 98 89 217
Total interest expense 398 576 805 1,180
Net interest income 5,352 5,697 10,799 11,286
Provision for allowance for loan losses 3,538 1,290 4,077 1,830
Net interest income after provision for allowance for loan losses 1,814 4,407 6,722 9,456
Non-interest income:        
Trust department income and fees 336 328 694 672
Service charges on deposit accounts 1,523 1,427 3,031 2,884
Gain on sales and calls of securities 255 860 255 964
Gain (loss) on other investments 31 18 9 (37)
Increase in cash surrender value of life insurance 122 125 243 247
Other income 144 140 300 286
Total non-interest income 2,411 2,898 4,532 5,016
Non-interest expense:        
Salaries and employee benefits 2,850 3,048 5,991 6,319
Net occupancy 662 655 1,236 1,274
Equipment rentals, depreciation and maintenance 762 877 1,442 1,654
FDIC assessments 154 443 445 884
Data processing 300 365 620 737
ATM expense 613 495 1,191 974
Other expense 873 917 1,701 1,710
Total non-interest expense 6,214 6,800 12,626 13,552
Income (loss) before income tax benefit (1,989) 505 (1,372) 920
Income tax benefit (842) (57) (831) (147)
Net income (loss) $ (1,147) $ 562 $ (541) $ 1,067
Basic and diluted earnings (loss) per share $ (0.23) $ 0.11 $ (0.11) $ 0.21
Dividends declared per share