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Consolidated Statements of Income Unaudited (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest income:    
Interest and fees on loans $ 13,284 $ 14,568
Securities:    
Taxable 962 1,221
Exempt from federal income tax 371 283
Short term investments 55 54
Total interest income 14,672 16,126
Interest expense:    
Deposits 1,350 1,892
FHLB advances and other borrowing 145 191
Subordinated Debt 165 276
Total Interest Expense 1,660 2,359
Net Interest Income 13,012 13,767
Provision for loan losses 1,278 2,494
Net interest income after provision for loan losses 11,734 11,273
Non-interest income:    
Service charges on deposit accounts 1,020 1,058
Gain on sale of mortgage loans 1,561 1,695
Mortgage servicing, net of amortization (136) (94)
Gain on trading account securities 0 1
Gain on available for sale securities 50 13
Other 400 541
Total non-interest income 2,895 3,214
Non-interest expense:    
Salaries and employee benefits 5,918 5,670
Occupancy and equipment 1,359 1,361
FDIC insurance premium 259 374
Amortization of intangibles 102 145
Outside professional services 293 303
Advertising and promotions 311 364
Other real estate owned costs 163 417
Other 2,196 2,413
Total non-interest expense 10,601 11,047
Income before federal income taxes 4,028 3,440
Federal income taxes 1,165 1,023
Net Income 2,863 2,417
Preferred stock dividends and accretion of discount on preferred stock 209 420
Net income available to common shareholders $ 2,654 $ 1,997
Basic earnings per share (in Dollars per share) $ 0.33 $ 0.25
Diluted earnings per share (in Dollars per share) $ 0.33 $ 0.25
Dividends per share (in Dollars per share) $ 0.06 $ 0.06