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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
Sep. 30, 2011
ASSETS      
Cash and due from banks $ 17,027 $ 17,688 $ 15,965
Federal funds sold and interest-bearing deposits 55,536 64,886 74,125
Cash and cash equivalents 72,563 82,574 90,090
Securities:      
Securities available for sale 90,852 88,765 88,083
Securities held to maturity (fair value of $18,301, $19,879, and $13,855, respectively) 15,585 18,771 12,669
Total securities 106,437 107,536 100,752
Loans:      
SBA loans held for sale 7,708 7,668 9,284
SBA loans held to maturity 59,299 64,175 66,363
SBA 504 loans 41,771 55,108 55,520
Commercial loans 306,569 283,104 284,046
Residential mortgage loans 137,192 134,090 136,942
Consumer loans 44,371 48,447 51,478
Total loans 596,910 592,592 603,633
Less: Allowance for loan losses (15,294) (16,348) (16,447)
Net loans 581,616 576,244 587,186
Premises and equipment, net 12,016 11,350 10,648
Bank owned life insurance ("BOLI") 9,327 9,107 9,033
Deferred tax assets 6,221 6,878 6,889
Federal Home Loan Bank stock 3,989 4,088 4,088
Accrued interest receivable 3,478 3,703 3,519
Other real estate owned ("OREO") 1,456 3,032 3,555
Prepaid FDIC insurance 2,079 2,545 2,653
Goodwill and other intangibles 1,518 1,530 1,533
Other assets 1,975 2,259 706
Total assets 802,675 810,846 820,652
Liabilities:      
Deposits: Noninterest-bearing demand deposits 105,529 101,193 93,706
Deposits: Interest-bearing demand deposits 104,469 104,749 100,807
Deposits: Savings deposits 295,567 278,603 296,571
Deposits: Time deposits, under $100,000 78,104 102,809 105,840
Deposits: Time deposits, $100,000 and over 49,457 56,617 57,247
Total deposits 633,126 643,971 654,171
Borrowed funds 75,000 75,000 75,000
Subordinated debentures 15,465 15,465 15,465
Accrued interest payable 464 523 533
Accrued expenses and other liabilities 2,233 2,329 2,347
Total liabilities 726,288 737,288 747,516
Commitments and contingencies         
Shareholders' equity:      
Cumulative perpetual preferred stock 19,968 19,545 19,409
Common stock 54,176 53,746 53,663
Retained earnings (deficit) 1,028 (854) (1,056)
Accumulated other comprehensive income 1,215 1,121 1,120
Total shareholders' equity 76,387 73,558 73,136
Total liabilities and shareholders' equity $ 802,675 $ 810,846 $ 820,652
Preferred shares 21 21 21
Issued common shares 7,503 7,459 7,413
Outstanding common shares 7,503 7,459 7,413