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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Interest and fees on loans $ 43,957 $ 47,361 $ 53,089
Interest on debt securities:      
Taxable 4,100 4,864 4,214
Nontaxable 909 1,029 1,174
Interest on federal funds sold and securities purchased under agreements to resell 0 1 0
Interest on interest-bearing deposits 46 58 86
Dividends on other securities 102 156 176
Total interest income 49,114 53,469 58,739
Interest on deposits:      
Savings, interest checking and money market 1,146 1,645 2,171
Time deposit accounts $100,000 and over 1,111 1,663 2,485
Other time deposits 3,715 5,123 7,211
Interest on federal funds purchased and securities sold under agreements to repurchase 21 47 75
Interest on subordinated notes 1,381 1,301 1,526
Interest on Federal Home Loan Bank advances 531 1,074 2,285
Total interest expense 7,905 10,853 15,753
Net interest income 41,209 42,616 42,986
Provision for loan losses 8,900 11,523 15,255
Net interest income after provision for loan losses 32,309 31,093 27,731
NON-INTEREST INCOME      
Service charges on deposit accounts 5,439 5,566 5,554
Trust department income 893 898 803
Gain on sale of mortgage loans, net 2,669 1,649 2,493
Gain on sale of investment securities 26 0 0
Other 699 1,087 1,631
Total non-interest income 9,726 9,200 10,481
NON-INTEREST EXPENSE      
Salaries and employee benefits 19,165 17,982 17,899
Occupancy expense, net 2,598 2,701 2,532
Furniture and equipment expense 1,840 2,019 1,997
FDIC insurance assessment 993 1,107 1,651
Legal, examination, and professional fees 1,189 1,332 1,441
Advertising and promotion 1,083 1,103 1,256
Postage, printing, and supplies 1,144 1,158 1,201
Processing expense 3,593 3,193 3,353
Other real estate expense, net 2,937 2,736 9,804
Other 4,125 3,514 3,717
Total non-interest expense 38,667 36,845 44,851
Income (loss) before income taxes 3,368 3,448 (6,639)
Income tax expense (benefit) 546 591 (3,087)
Net income (loss) 2,822 2,857 (3,552)
Preferred stock dividends 1,125 1,513 1,513
Accretion of discount on preferred stock 659 476 476
Net income (loss) available to common shareholders $ 1,038 $ 868 $ (5,541)
Basic earnings (loss) per share $ 0.21 $ 0.18 $ (1.15)
Diluted earnings (loss) per share $ 0.21 $ 0.18 $ (1.15)